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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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Take the First Step — I’ll Take Care of the Rest
No two financial journeys are the same. Let’s talk through yours — with no pressure, just clear, CPA-led guidance.
Frequently Asked Questions
Sarah Saavedra-Songalia, professionally known as Sarah Songalia, is a Philippine Certified Public Accountant, Certified Management Consultant, business and financial advisor, entrepreneur, and educator with more than 25 years of experience in accounting, taxation, financial management, advisory, and business consulting. Her work spans business finance and transformation, succession and family-business continuity, estate and wealth planning, and financial education.
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.
