Licensed Financial Advisor · Sun Life
I am the advisor who will talk you out of a sale.
Five years in, hundreds of consultations, and a working rule that costs me money on a regular basis: nothing gets recommended until the survey is done, and if the survey says you should build an emergency fund before you buy a policy, then that is what I am going to tell you.
WHY I WORK BACKWARDS
Insurance should never be sold with pressure or fear.
You have met the other kind of advisor. He has a product in mind before he has your name. He opens with a story about a man who died young, and he needs a signature tonight because the offer closes tonight.
That is not advice. It is a sale wearing advice’s clothes, and it is the reason so many Filipinos own a policy they cannot explain. They were sold something before anybody bothered to find out what they already had.
So I run the meeting backwards. Before I recommend anything, I want to know what you earn, who leans on it, what your employer already covers, what you owe, and what you actually want in ten years. Then I show you your own numbers back, and we plan from there.
It costs me sales. It is meant to. If the honest answer is that you should build an emergency fund and come back next year, that is the answer you will get, and I will still take the meeting.
Recognition
- Top 5 Advisor of the YearSun Life, January 2025
- Top 2 AdvisorCameron Awards, October 2023
- Bronze Medallion, Advisor LevelPresident’s Month 2023
- 15 Lives SecuredPresident’s Month 2023
- 6 Families SecuredSummer Campaign 2022
These measure how much I sold. They are a fact about me, not a fact about you, which is exactly why they are at the bottom of the page rather than the top of it.
HOW WE WORK
Survey, then design, then build.
The order is not a stylistic preference. It is the only thing that separates advice from a pitch.
Step 01
Survey
Ten short sheets, about 5 minutes. What you earn, who leans on it, what your employer already covers, what you owe, and the thing that actually keeps you up. Most people have never been asked half of these.
Step 02
Design
We meet, on Zoom or across a table, and I read your own numbers back to you. What you already hold, what it genuinely covers, where the holes are, and which holes are not worth filling. The drawing comes before the product.
Step 03
Build
Only now does anything get recommended, and it is sized to a monthly figure you set rather than one I would prefer. If the honest answer is that something else should be fixed first, that is the answer you get.
I answer my own messages, usually inside a day. What you tell me does not go anywhere else.
BEGIN
Start with what you already have.
Rodel Hermogenes reads every answer himself before you speak. It is free, it takes about 5 minutes, and it ends with a session booked at a time you pick.
- Free, and free of any obligation to buy
- Private. Your answers are not shared or sold
- Ends with a plan, even when it ends without a policy