Legacy First with Marilou

09/02/2026

09/01/2026

I’m truly grateful to be recognized for both highest production and highest number of lives protected this month.

This achievement is not just about numbers it represents families who chose to prepare, protect their loved ones, and trust me as their insurance advisor.

To all my clients, thank you for your trust and confidence. I will continue serving you with integrity, care, and a genuine heart. Your trust inspires me to help protect even more lives.

08/31/2026

Three lives were protected today not because they expect the worst, but because they openly chose to protect the people they love.
Life is unpredictable, but love takes action.
Today, three people gained greater peace of mind. Who will you protect today?


゚viralシ

08/31/2026

Hello everyone sensitive pero important ang topic natin: advisors na naninira ng ibang MGA, company, o kapwa advisor para lang makabenta.

Let me be clear this is not about attacking or naming anyone. This is about integrity and client trust.

Bilang advisors, puwede nating i-compare ang products, coverage, benefits, at limitations. That is education. Pero kapag personal attacks, pananakot, o paninira na ang ginagamit, hindi na iyon professionalism.

Remember: clients need clarity, not drama. They deserve honest guidance not fear or confusion.

Kung confident tayo sa value at knowledge natin, hindi natin kailangang ibaba ang iba para umangat. We can compete through education, service, professionalism, and genuine care.

You can sell without attacking. You can recommend without destroying someone’s reputation. At kung maganda naman ang existing policy ng client, be honest enough to say so.

If you want a free, no-pressure policy review, message me “REVIEW.”

Always remember: Protection starts with education, and trust starts with integrity.
゚viralシ

08/30/2026

Hi ! Please watch my first podcast. Thanks!

08/29/2026

Sa Pilipinas, madalas iniisip na ang life insurance ay pang-mayaman lang. Pero dito sa Canada, mas accessible ito sa ordinaryong manggagawa kahit minimum wage earner, bagong immigrant, o nagsisimula pa lang.

Pero bakit marami pa ring Pinoy immigrants ang ayaw kumuha?

Minsan inuuna natin ang padala, bills, sasakyan, at ibang gastusin. Naiintindihan ko mahirap talaga magsimula sa ibang bansa. Pero tandaan: habang mas bata at mas healthy ka, mas may pagkakataon kang makakuha ng coverage na pasok sa budget, subject to approval.

Dumating tayo sa Canada para mabigyan ng mas magandang buhay ang pamilya natin. Sana isama rin natin sa pagkakataong ito ang pagprotekta sa kanila—dahil ang life insurance ay hindi lamang para sa mayaman. Para ito sa mga taong may pamilyang umaasa sa kanila.

Message me for a free, no-obligation insurance assessment.

For general information only. Coverage and premiums depend on individual needs, age, health, and underwriting approval.

08/28/2026

12 Common Mistakes sa TFSA na Dapat Iwasan:

1. Naglalagay ng pera nang sobra sa contribution limit—may penalty na 1% bawat buwan sa sobrang amount.
2. Umaasa lang sa amount na nakikita sa CRA account dahil minsan hindi pa updated ang recent contributions.
3. Nakakalimutang bilangin ang contributions sa lahat ng TFSA accounts.
4. Nag-withdraw at ibinabalik agad ang pera sa parehong taon kahit wala nang available contribution room.
5. Nagwi-withdraw ng pera para ilipat sa ibang TFSA, sa halip na mag-request ng direct transfer.
6. Naglalagay pa rin ng pera sa TFSA kahit non-resident na ng Canada.
7. Iniisip na dahil “tax-free,” puwedeng ilagay ang kahit anong investment.
8. Masyadong madalas ang pagbili at pagbebenta ng investments. Kapag itinuring itong business trading, posibleng ma-tax ang earnings.
9. Iniisip na babalik ang contribution room kapag nalugi ang investment—hindi ito bumabalik.
10. Hinahayaang cash lang ang pera nang hindi inaalam kung may ibang option na mas bagay sa long-term goal.
11. Pumipili ng investment na hindi bagay sa goal, panahon, at kakayahang tanggapin ang risk.
12. Nakakalimutang maglagay o mag-update ng beneficiary o successor holder.

Magandang tool ang TFSA para mapalago ang pera nang tax-free, pero mahalagang maintindihan muna kung paano ito gamitin nang tama.

General information only. Kumonsulta sa qualified professional para sa iyong personal na sitwasyon.

08/28/2026

Don’t just earn, build income that keeps flowing.

08/27/2026

CPP can help you in retirement, but most people do not fully understand how it works.

And the one thing you need to know is this: CPP is not automatic financial freedom, it is only one part of your retirement plan.

Many immigrants work hard for years thinking the government pension will be enough when they retire.

But the problem is, CPP usually depends on how much you contributed and how long you contributed.

So if you came to Canada later in life, had gaps in work, or only recently started contributing, this directly affects you.

The mindset shift is simple: do not wait until retirement to understand your retirement income.

That is why learning about CPP now helps you make smarter money decisions before it is too late.

Follow for more!