Dave Espanto
A quieter way to plan ahead.
Conversations for families who want clarity—without the hard sell.
Independent advisor affiliated with Sun Life Philippines. This is Dave’s practice page—not the official Sun Life website.
What a consultation can cover
One conversation. Pick the need that is loudest right now.
- Life protection Keep income and dependents covered if life changes suddenly.
- Health backup Plan for hospital costs before they become a crisis.
- Education funding Map tuition milestones so school seasons feel less abrupt.
- Retirement runway Build a longer view for the years you want to slow down.
Advice that starts with your situation—not a product sheet.
Dave Espanto works with families and professionals across Naga and nearby Bicol communities. The goal is simple: you leave understanding what you need, what you don’t, and what to do next.
- Book Choose a time that fits. You’ll get a confirmation.
- Talk Share goals, dependents, budget, and what already exists.
- Decide Get a clear recommendation you can accept, adjust, or decline.
“No pressure to buy in the first meeting. Clarity first—then choices.”
What you leave with
A consultation is a conversation. You decide what happens after.
You leave knowing what you need, what you can skip, and what to do next.
The first meeting is for clarity. Nothing is bought unless you choose it.
Plans are explained in plain language, including what a policy does not cover.
Book a consultation
Choose a time that fits. You’ll get a confirmation, then a conversation—in Naga, nearby in Bicol, or on a call.
No policy is sold on this page. You decide if and when to proceed.
Before you book
Is this Sun Life’s official site?
No. This is Dave Espanto’s advisor page. He is affiliated with Sun Life Philippines; official product terms live in Sun Life policy documents.
Do I have to buy after we talk?
No. A consultation is a conversation. You decide if and when to proceed.
Where does Dave meet clients?
Naga City and nearby Bicol communities, plus remote calls when that is easier for you.