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Whether you’re planning your financial future, securing your family’s legacy, or preparing for a comfortable retirement, I’m here to help. Connect with me today to discuss your goals and explore personalized solutions for wealth management, estate planning, tax optimization, and more. Every great financial journey begins with a single conversation — let’s make yours happen now.
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RCBC Plaza
30th Floor Tower 1
Ayala Avenue
Makati City
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Monday – Friday: 9am – 8pm
Saturday: 10am – 4pm
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No two financial journeys are the same. Let’s talk through yours — with no pressure, just clear, CPA-led guidance.
Frequently Asked Questions
Sarah Songalia is a Philippine CPA, CTEP®-certified estate planner, RFC, FChFP, CMC, and MDRT Lifetime Member with over 25 years of experience. She is the Managing Director of SS & Associates, Program Director of the Entrepreneurs Accounting Academy, founder of Quenta Technologies, and currently serves as President of ACPAFSI.
CTEP® stands for Chartered Trust and Estate Planner. It is a professional designation for estate and trust planning requiring rigorous training in Philippine estate law, taxation, insurance, and succession structures — one of the rarest and most relevant credentials for this work in the Philippines.
Under the TRAIN Law (RA 10963), the estate tax rate is a flat 6% on the net taxable estate after allowable deductions, including a standard deduction of ₱5,000,000. Without proper planning, business owners can face significant liquidity challenges when heirs need to pay this tax.
Yes. Life insurance proceeds paid to a named irrevocable beneficiary are generally exempt from estate tax in the Philippines. They also provide immediate cash to pay the estate tax and maintain business operations while the estate is being settled.
