Manulife Philippines
GAMA FLA Silver Awardee
Registered Financial Consultant, Registered Estate Planner
Michael Ray O. Espina
Manulife Powerful Delta Oasis Aquifer Unit Head
Take the first step to securing your financial future. Let’s create a financial plan and investment strategy that allows you to live the life of your dreams.
A Truly Unique Financial Planning Management Experience.
100% fee‐only financial services . IC Certified Financial Advisor to simplify and organize your finances.
Recognized as a Top Manulife Agency Leader.
Schedule Your Free Consultation With Michael.
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