Eric John Alicoben, CPATake the free checkLicensed Financial Wealth Planner | Financial Risk Management Specialist
Know exactly how much protection you and your family needs!
A free 2-minute check that shows you the real numbers — no jargon, no pressure, and nothing to buy.
- 2 minutes
- 100% free
- No obligations
About
Why I do this work
I'm Eric John R. Alicoben, CPA, Financial Wealth Branch Manager, and Financial Risk Specialist.
I help Filipinos make smarter financial decisions through practical financial education and proper financial planning.
From protecting your income and preparing for retirement to building your family's legacy, my goal is to help you understand your options and take action before life's uncertainties become financial burdens.
I talk about income protection, critical illness planning, retirement, education funding, estate planning, legacy planning, and business continuity. These are real financial responsibilities that deserve attention long before they become urgent.
My approach is simple: educate first, understand your needs, and recommend solutions that fit your financial goals and circumstances.
Two paths
Where this goes from here
Without a plan..
- Your family may be left guessing. They may not know how to manage expenses if your income suddenly stops.
- Your savings may fall short. Unexpected expenses can take money away from your long-term goals.
- Retirement remains uncertain. You may reach retirement age without knowing whether your resources will be enough.
- You may pay more for waiting. Delaying certain protection and savings decisions can limit your options later.
With a plan...
- Your family has a clearer direction. You identify how to protect their financial needs.
- Your money has a purpose. You set priorities for emergencies, major goals, and long-term savings.
- Your retirement has a target. You estimate your future needs and build a strategy around them.
- You prepare for life's uncertainties. You evaluate appropriate protection and contingency options.
Services
How I can help
Life & income protection
If your income stopped tomorrow, your family’s plans should not stop with it.
Health & critical illness funding
Cover that pays out on diagnosis, so treatment stays a medical decision and not a financial one.
Education funding
A funded plan for the year they turn eighteen, started in the year you can afford.
Retirement & savings
Turn what you already set aside into something that keeps paying you later.
Estate and Legacy Planning
Your wealth goes where you want it to — with the right people, the right amount, at the right time.
Business Continuity Planning
Your business keeps moving forward — even when you can no longer lead it.
Questions
Before you start
How much does this usually cost?
It depends on your age, your health and how much cover you need — but the honest answer is that it is usually less than people expect. We start from what your family would actually need, then work backwards to a monthly figure you are comfortable with. If that number does not fit your budget, I will tell you, instead of selling you something you cannot sustain.
Do I have to buy anything?
No. The check is free and there is no obligation at any point. Plenty of the people I talk to leave with a clearer picture and nothing else, and that is a perfectly good outcome.
I already have coverage through work. Is that not enough?
It is a good start, and for some people it is enough. The catch is that it usually ends when the job does, and the amount was set by your employer rather than by your family’s actual needs. Worth ten minutes to check what yours covers.
How long does this take?
The online check takes about two minutes. If you want to go deeper after that, we talk for 30–45 minutes — over coffee or on a video call, whichever suits you.
What if I am not ready yet?
Then you are not ready, and that is fine. Knowing your numbers costs you nothing today, and it makes the decision easier whenever you do get there.
Know exactly how much protection you and your family needs!
Free Clarity Call · 2 minutes · no obligations
I'm building a team
Looking for extra income, your own business, or work with purpose? Part-time or full-time, see if a financial-advisor career fits you.
Book a session
Pick a time: 45 minutes, free
- A real conversation, not a pitch
- Online or in person, your call
- Leave with clear next steps
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