The Father Who Planned His Legacy — Even Beyond His Lifetime
(A story about love, fairness, and smart wealth transfer)
Meet Mang Ramon, a successful businessman in his 50s. He worked hard all his life — from selling in palengke, to running his own construction supply business.
After 30 years, he built a good life for his family. He had three houses, two vehicles, a few investments, and five children — four from his marriage, and one from a previous relationship.
He loved them all equally. ❤️
But deep inside, he worried…
“What if pag nawala na ako, mag-away pa sila dahil sa mana?”
He’s seen it happen to many families — siblings turning against each other, properties frozen because no one could agree, and wealth slowly wasted because of conflict and lack of planning.
The Father’s Smart Move
Instead of just writing a will, Mang Ramon talked to his financial wealth planner and learned something life-changing — that life insurance can be used as a wealth transfer tool.
With it, he can decide:
- ✅️ Sino ang makakatanggap,
- ✅️ Magkano ang makukuha ng bawat isa,
- ✅️ At paano nila ito matatanggap.
So he got an insurance policy — not just for protection, but to make sure his wealth goes exactly where his heart wants it to go.
He also made a wise decision:
Since one of his five children was an illegitimate child, he wanted to make sure that this child still receives his fair share — without legal complications or arguments from the other siblings.
Through his insurance, he named all his children as beneficiaries — including the one outside of marriage — and assigned a trustee to manage the money on behalf of all of them.
The Father’s Final Wish
He also told his wealth planner:
“Ayokong bigyan sila ng isang bagsak na pera. Gusto ko, buwan-buwan nilang maramdaman na andito pa rin ako.”
So, instead of giving them a lump sum,
he arranged the proceeds to be distributed as monthly allowances — just like how he used to provide for them when he was alive.
The trustee’s job?
To ensure that the money is used wisely — for education, livelihood, and family support.
18 Years Later
Mang Ramon passed away peacefully.
His children grieved, but they were not burdened by paperwork, taxes, or family conflict.
Because of his plan, there was no fighting, no “away sa mana.” Each child knew their father had already made the decision — and they respected it.
Now, 18 years after his passing, his children still receive their monthly allowance — money that keeps coming, like their father’s love that never stopped giving. 💛
“Si Papa, parang andito pa rin. Kahit wala na siya, iniisip pa rin kami.”
The Legacy of Mang Ramon
Mang Ramon’s story isn’t just about money.
It’s about love expressed through foresight — the kind that goes beyond the grave, ensuring peace, fairness, and security for the family he cherished most.
If you’re a parent who wants to make sure your wealth goes to the right people, and your family stays united even when you’re no longer around — start planning your legacy today.
📝 Sign-up for a FREE consultation
Let’s talk about how you can create your own “Mang Ramon Plan” — a legacy that gives, protects, and lasts for generations.
About the Author
Jonathan Ventula Mendoza
💼 Licensed FWD Financial Wealth Planner
Helping Filipinos build a secure and confident financial future — one plan at a time.
