Licensed Financial Advisor Philippines

Kashflow was created and is managed by Bryan, a financial advisor, digital freelancer for 12 years, licensed real estate advisor, and law student.

He writes what he’s learned from years of experience about money, work, and worldviews.

Bryan has been featured in:


Sun Maxilink 100

Sun MaxiLink 100

Sun MaxiLink is the latest VUL or investment-linked insurance plan of Sun Life. Its distinct feature is that it can cover you until age 100.

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Sun Fit and Well

Variants, Benefits, Sample Proposal, Coverage and Recommended Sample Life is better when are in our best of health! But no matter how we take good

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Group Life Insurance

What does a group life insurance cover? Death of the employee regardless of cause except suicide during the first year or sometimes the first two

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Settlement and Claims

Cash Value – is the savings element that builds up in permanent insurance plans Cash Surrender Value – the sum of money an insurance company pays to

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Revocable primary beneficiary vs. Irrevocable primary beneficiary vs. Contingent In general, beneficiaries can only receive the policy proceeds if he is alive at the time

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Standard vs. Sub-standard rates

“Substandard rate” – refers to premiums charged to persons who are considered higher-than-average risk categories or applicants with moderate physical impairments. Increased rates. Applicants with

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Traditional Life Insurance

What is Traditional Life Insurance? Policyholders do not have investment options but may savings or guaranteed cash components Premiums, cash values and death benefits are

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Variable Universal Life (VUL)

What is VUL? Also called Variable Universal Life, Variable Unit-Linked, or non-traditional life insurance. VUL is an investment-linked life insurance plan that provides life insurance

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