Marko Alejandro, CPA, CMA

Marko Alejandro, CPA, CMA CEO of Global Insurance agency group in the Philippines. The #1 insurance agency and asset management in the Philippines.

Specializing in asset management and long-term wealth for individuals, families and corporations

My wife rarely asks for anything.She earns really well.She owns her own agency too.She works. She builds.She has her own...
26/08/2026

My wife rarely asks for anything.

She earns really well.
She owns her own agency too.
She works. She builds.
She has her own career and her own income.

Her own income can sustain our family comfortably 🤣 sugar mommy yarn.

Pero hindi siya materialistic.
Actually, bihira talaga siyang humingi.

And over time, that started to mean more to me.

Because as men, there is something we are aware of: We have a financial clock.

May season tayo where our energy is high.
Our opportunities are growing.
Our capacity to work is strong.
Our network is expanding.
Our earning potential can continue to rise.

But we also know, hindi habang buhay pareho ang energy natin.

Having a wife who rarely asks for anything also made me more conscious about giving in the peak of my financial clock.

Ang gusto niya lang naman maglakad kame gabi gabi 🤣

Because when someone is not demanding mas gusto nating maging intentional.

A peaceful marriage is not built by always having more.

Sometimes it is built by wanting less.
Less pressure. Less comparison.
Less need to impress. Less chasing.

And more gratitude.

That is one of the best lessons marriage can teach us, the right partner does not only help us build wealth.

They can also help us protect it.
Not just financially, but emotionally.

By reminding us that peace is not found in having everything.

It is found in knowing what is already enough.

The person we admire of may have paid a price we are not willing to pay.Nakita natin ang fit na katawan.Hindi natin naki...
25/08/2026

The person we admire of may have paid a price we are not willing to pay.

Nakita natin ang fit na katawan.
Hindi natin nakita ang thousands of ordinary meals and workouts.

Nakikita natin ang strong marriage.
Hindi natin nakita ang difficult conversations, forgiveness, patience, at intentional time.

Nakikita natin ang successful business.
Hindi natin nakita ang years of uncertainty.

Nakikita natin ang malaking income.
Hindi natin nakita ang rejection, pressure, risk, at sleepless nights.

We say: “I want that.”

Pero ang mas honest na tanong ay:
“Do we want it enough to pay what it costs?”

Because wanting the result without accepting the cost is not really ambition. It is fantasy shopping.

Parang nagbabrowse tayo ng buhay ng ibang tao, “Add to cart.”

Success. Freedom. Wealth. Influence. Healthy body. Perfect family life.

Then pagdating sa checkout:

“Ay may sacrifice pala? Cancel order.” 😂

We keep wanting something but we refuse the price attached to it.

So we stay in the middle. Hindi natin binabayaran ang cost.

Pero hindi rin natin binibitawan ang desire.

That gap becomes frustration.
Comparison.
Resentment.
Bitterness.

May dalawang honest choices lang tayo:

Pay the price.
or
release the desire.

Both can bring peace.

If we truly want the business, then accept the work.

If we truly want the health, accept the discipline.

If we truly want the wealth, accept the patience.

If we truly want the leadership role, accept the responsibility.

This is maturity.

Not simply knowing what we want.

But knowing what we are willing to pay for and what we are willing to peacefully leave behind.

We don’t only ask:
“What do they have?”

We also ask:
“What did it require?”

And sometimes, after seeing the whole picture we become less jealous.

We become more respectful.

“Okay. Deserve nga.” 🤣🙌

How do we defeat someone who can look at failure and still say, “God is good”?That thought stayed with me.Because normal...
19/08/2026

How do we defeat someone who can look at failure and still say, “God is good”?

That thought stayed with me.

Because normally we think the strongest people are those who keep winning.

Yung sunod-sunod ang success.
Business is growing.
Plans are working.
Prayers are being answered exactly the way they hoped.

Madaling magkaroon ng faith kapag ganito ang season.

Madaling sabihin:

“God is good!”
kapag maganda ang nangyayari. 😅

Pero ibang klase ang faith kapag hindi maganda ang nangyayari. Kapag may rejection. Kapag hindi natuloy ang plano. Kapag may nawala. Kapag pinaghirapan natin pero hindi nag-work. Kapag ipinagdasal natin pero ibang sagot ang dumating.

That is when faith becomes more than a statement. It becomes a decision.

Not every blessing arrives looking like a blessing.

How do we stop someone who can lose an opportunity and learn from it, pray, adjust and come back wiser?

Give them success? They become grateful.
Give them failure? They become wiser.
Give them delay? They develop patience.
Give them rejection? They learn.

Joseph experienced betrayal before leadership.

David spent years running before becoming king.

Peter experienced failure before becoming a stronger leader.

Their painful chapters were not pleasant.
But they were not wasted either.

Our greatest prayers shouldn’t only be:

“Lord, make us successful.”

Should be:

“Lord, whatever season comes, don’t let it be wasted.”

If what we do can change lives, it is our job to talk about it.Minsan kasi nahihiya tayong magshare.Baka isipin nila nag...
17/08/2026

If what we do can change lives, it is our job to talk about it.

Minsan kasi nahihiya tayong magshare.
Baka isipin nila nagbebenta lang tayo.
Baka mareject.

Baka sabihin nila, “Ah, negosyo lang pala.”

Kahit alam natin may value ang ginagawa natin, nahihiya ishare.

But over time, I’ve learned something

Good work deserves to be talked about.

Hindi para mang pressure.
Hindi para pilitin ang lahat.

Pero para malaman ng tamang tao na may solution na available.

Not aggressively.
Not dishonestly.
No pressure.

But clearly.
Confidently.
Ethically.

And the need to say:
“This may not be for you”

Lalo na kapag hindi talaga fit, hindi pa ready or hindi pa priority.

Kung may produkto tayong nakakaprotekta from life’s uncertainty, we should talk about it.

Kung may service tayong nakakatipid ng oras, pera, o stress, we should talk about it.

Kung may trabaho tayong nakakatulong sa tao na gumawa ng mas magandang decision, we should talk about it.

Sharing is not the same as forcing.

We can be confident without being aggressive.

We can be persuasive without being manipulative.

We can talk about value without making people feel pressured.

When the intention is service, the conversation feels different.

Mas nakikinig tayo.
Mas nagtatanong tayo.
Mas honest tayo.

At mas nirerespeto natin ang decision ng tao.

A good product deserves a good messenger.

That is one of our responsibilities as professionals

Not simply to sell more. But to sell better.

Because if something can genuinely improve or protect a life, we should have the courage to talk about it.

And the character to talk about it the right way. ❤️

WHERE IS THE MONEY GOING NOW?(US data)Look at what has become cheaper over the last 25 years.TVs. Computers. Cellphone s...
14/08/2026

WHERE IS THE MONEY GOING NOW?
(US data)

Look at what has become cheaper over the last 25 years.

TVs. Computers. Cellphone services. Toys. Clothing.

Now look at what has become significantly more expensive:

Healthcare. Education. Childcare. Housing.

Money follows what people value, need, and are increasingly willing to pay for.

Four areas deserve our attention: supplements, sports & wellness, insurance, and endowment or guaranteed long-term financial products.

1. HEALTH IS BECOMING AN EXPENSIVE PRIORITY — Supplements & Wellness

As healthcare becomes more expensive, people have an even greater incentive to invest in prevention.

This helps explain the growing interest in supplements, fitness, healthy food, recovery, longevity, and wellness.

People are not only asking:
“How do I treat sickness?”

More are asking:
“How do I stay healthy longer?”

Magnesium Glycinate, Omega 3, Creatine, 🤣🤣

2. EXPERIENCES AND HEALTHY LIFESTYLES ARE BECOMING MORE VALUABLE — Sports

There is another shift happening.

People can buy cheaper televisions and technology, but many are increasingly willing to spend on experiences and self-improvement.

Running. Pickleball. Padel. Cycling. Gyms. Marathons. Fitness communities. 🤣

We used to spend money primarily to own things.

Increasingly, we also spend money to feel better, perform better, belong to communities, and experience life.

3. AS ESSENTIAL COSTS RISE, FINANCIAL PROTECTION BECOMES MORE IMPORTANT — Insurance & Endowment

This may be the most important part of the chart.

The fastest-rising expenses are some of the expenses families cannot easily avoid.

We can postpone buying a new TV.

We cannot always postpone hospitalization.

We can keep an old phone.

Our children cannot stay young while we wait another 10 years to prepare for their education.

That’s why insurance and long-term savings or endowment products have an increasingly important role.

Insurance helps transfer financial risks that could wipe out years of savings

Endowment and long-term savings plans help families prepare for predictable future obligations such as education, retirement.

They don’t make hospitals or universities cheaper.

They help make those future expenses more financially manageable because we prepared before we needed the money.

Follow Where People Will Spend

When looking for opportunities, don’t only ask:

“What is popular today?”

Ask:

“What problems are becoming more expensive to solve?”

That’s why I believe supplements, sports & wellness, insurance, and endowment solutions are interesting spaces to watch.

When we think about discipline, parang ang boring.Same routine. Same wake-up time.Same work. Same follow-up.Same exercis...
14/08/2026

When we think about discipline, parang ang boring.

Same routine. Same wake-up time.
Same work. Same follow-up.
Same exercise. Same responsibilities.

Again. Again. Again.

Minsan napapaisip tayo:
“Ito na ba talaga ang sikreto?” 🤣

Walang dramatic music. Walang applause.
Walang malaking breakthrough every week.

Disciplined life looks painfully ordinary.

Gigising. Magwowork. Magbebenta. Mag iimprove. Mag rerecruit. Magfo-follow up.

Mag-aaral. Magpapahinga. Ulitin kinabukasan.

That is exactly why discipline is hard.

Kapag disciplined tayo, parang walang exciting na nangyayari. But something is happening quietly.

Skills are improving. Relationships are deepening. Health is getting better. Money is compounding. Character is being built. Business is getting stronger.

Hindi lang agad nakikita.

Meanwhile, indiscipline feels easier.

Skip muna today. Party muna tayo
Bukas na. Bahala na si batman
Next week na, pag motivated na.
Pag less busy na. Pag okay na ang schedule.
Kapag masaya na ako. Uy exciting to ah.

That’s the trap.

Then one year passes.

Same problems. Same excuses.
Same debt. Same unhealthy habits.
Same unfinished plans.

Same “next year na talaga.” 😅

Discipline makes our days look repetitive but eventually makes our years look completely different.

Indiscipline makes our days feel flexible but eventually makes our years look painfully the same.

We need to realize, we don’t need every day to feel exciting.

Boring can be beautiful.
Boring means the system is working.
Boring means we’re not constantly starting over.
Boring means we already know what matters.

and we’re simply doing it again today.

Yes, every day may look the same.

But if those days are filled with the right actions, one day we will look back and realize our life is already different

Because the curse of discipline is repetition.
But the reward of discipline is transformation.

Isang rejection lang, parang gusto na nating umatras.Isang bad week, parang mali na agad ang direction.Isang inconvenien...
12/08/2026

Isang rejection lang, parang gusto na nating umatras.

Isang bad week, parang mali na agad ang direction.

Isang inconvenience parang hindi na worth it.

Sino nakakarelate? 🤣👋

Minsan hindi naman talaga mabigat ang ginagawa natin.

Mahina lang ang dahilan natin kung bakit natin ito ginagawa.

Iba ang usapan kapag ang WHY natin ay deeply connected sa pamilya, pangarap, purpose, responsibility at sa future na gusto natin.

Sacrifice starts to make sense.
Pagod still feels like pagod.
Rejection still hurts.
Setbacks are still frustrating.

Hindi ibig sabihin na magically magiging madali ang lahat.

Hindi mawawala ang pressure.
Hindi mawawala ang uncertainty.
Hindi mawawala ang failures.

Pero iba na ang tolerance natin sa hirap.

Parang gym lang.
Kapag pinilit lang tayo pumunta, lahat nakakainis. 🤣

Traffic. Pawis. Bigat. Pagod.

Pero kapag malinaw sa atin kung bakit mahalaga ang health, same workout, different meaning.

Ganito rin sa business.

Kapag pera lang ang dahilan, madaling mawalan ng gana kapag mahina ang income.

Kapag recognition lang, madaling ma-frustrate kapag walang pumapansin.

Pero kapag may mas malalim na dahilan; building something meaningful, providing for family, creating opportunities, becoming better.

Mas mahaba ang pasensya natin!

We don’t always need more motivation.
Sometimes we need a stronger reason.

A strong WHY does not guarantee an easy path. It gives us a reason to stay on the path.

Sometimes, that is enough.

Because when the reason is strong enough, we become willing to learn the HOW, endure the WHEN, and survive the HARD PARTS.

Weak WHY, everything feels heavy.

Strong WHY, even hard things become worth carrying.

I’ve noticed this many times.May mga season na gusto nating maging consistent.Gusto nating mag-exercise.Gusto nating mag...
11/08/2026

I’ve noticed this many times.

May mga season na gusto nating maging consistent.

Gusto nating mag-exercise.
Gusto nating magbasa.
Gusto nating mag-build ng business.
Gusto nating mag-benta.
Gusto nating mag-save.
Gusto nating gumawa ng content.

For the first few days, ganado.

May bagong notebook pa.
Bagong ballpen.
May bagong routine.

Minsan may bagong sapatos pa para mas “committed.” 😅

Then after a few weeks… nawawala.

And naturally, we blame ourselves.

“Wala talaga akong discipline.”
“Hindi talaga ako consistent.”

But maybe that’s not always the real problem.

Sometimes, the problem starts much earlier.

Hindi malinaw kung ano talaga ang gusto natin.

We say:

“I want to be successful.”
Pero ano ang ibig sabihin ng successful?

“I want to grow my business.”
Grow para saan?

“I want to become healthier.”
How healthy? Timeline?

“I want to build wealth.”
How much? By when? And why?

Vague goals create vague effort.

Kapag malabo ang destination, natural lang na malabo rin ang kilos.

Imagine sumakay tayo ng Grab tapos tinanong tayo:

“Sir, saan po tayo?”

Tapos sagot natin:
“Basta somewhere successful.” 😂

Hindi driver ang problema.
Destination ang kulang.

Ganito rin sa buhay.

Kapag hindi malinaw ang gusto natin, every option looks equally important.

Every distraction looks reasonable.
Every invitation feels worth considering.
Every new idea becomes exciting.
At minsan, every Monday may bagong direction. 🤣

But something changes when we become clear.

When we know:
This is what we want.
This is why it matters.
This is what we need to do every day.

Suddenly, decisions become easier.

If our goal is vague:
“Mag-exercise sana ako today.”

Then 5PM comes. Medyo pagod. Umuulan. Masarap humiga.

Willpower na naman. 😂

But if we’ve already decided:

“Four times a week, this is part of our schedule because health matters to us.”

Less debate. We showup

Same with business.
Kung ang goal lang natin ay: “Gusto kong lumaki.”

Madaling ma-distract.

Pero kapag malinaw:
“This is the market we want to serve.”
“This is the number of people we need to reach.”
“These are the activities that actually move the business.”

Now we know what deserves our time.

When the WHY is weak, everything feels difficult.

Every rejection feels like a reason to stop.
Every inconvenience feels too expensive.
Every bad week makes us question the entire goal.

But when the reason becomes clear, the struggle doesn’t disappear.

It simply starts making sense.

Discipline is important.
Systems are important.
Habits are important.

But before all of those comes something more basic:

CLARITY

Because once we know exactly where we’re going and why we’re going there…

showing up stops feeling like a daily argument with ourselves.

Get clear first!

While doing business and leadership, napapansin ko na hindi na kakulangan sa intelligence ang pumipigil sa growth natin....
10/08/2026

While doing business and leadership, napapansin ko na hindi na kakulangan sa intelligence ang pumipigil sa growth natin.

Minsan, sobrang kapit lang natin sa old identity/idea/opinion natin.

May belief tayo sa sarili natin.
May belief tayo tungkol sa business.
May strategy tayo feeling natin tama.
May opinion tayo tungkol sa nangyari.

Then new information comes in.

Pero instead na pag-aralan natin, ang unang instinct minsan ay ipagtanggol ang dati nating position.

Kasi mahirap aminin:
“Mali pala ako.”

But here’s something I’ve learned:

The ability to change our mind quickly when presented with better information is one of the most valuable skills we can develop.

Rigid opinions look strong

But flexible thinking is strong!

Imagine nasa biyahe tayo.

Sabi ng navigation:
“Heavy traffic ahead. Faster route available.”

May dalawang choices.

First: “Ito ang route na pinili ko. Dito lang ako dadaan.”

Or:

“Okay. New information. Change route.”

Hindi naman weakness ang magpalit ng daan.

Ang importante, makarating tayo sa destination.

Ganito rin sa business.

May marketing strategy na dating gumagana.
Ngayon hindi na. Change it.

May system na effective noong maliit pa ang organization.

Lumaki na ang organization.
Improve it.

May taong una nating inakala na hindi capable.

Then they consistently prove otherwise.
Update our opinion.

May idea tayong convinced tayo na brilliant.
Then the market says: “Hindi.”

Makinig tayo.

And our job isn’t to prove that our first answer was correct.

Our job is to arrive at the best answer available now.

There is strength in saying:

“Ito ang alam ko noon. Pero may bago akong natutunan, kaya nagbago ang idea ko.”

That’s not weakness.
That’s growth.

Because wisdom isn’t proving that we’ve always been right.

Wisdom is being willing to become less wrong every day.

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BGC Highstreet Unit 4 And 5a Taguig City
Taguig
1658

Telephone

+639995890344

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