Licensed Financial Advisor
Hey
I’m Harold Villacrusis.
Know exactly how much protection your family needs
A free 2-minute check that shows you the real numbers — no jargon, no pressure, and nothing to buy.
A 2-minute check that gives you clarity — free, and no obligations.
10
years in practice
Hey, I'm Harold Villacrusis,Why I do this work
Im really good at this
Harold Villacrusis
hahahahahaha
If you keep putting it off
- Everything lands on your family — the bills, the decisions, the timing, all at once.
- You are guessing at the number — and the guess costs more the longer it stands.
- Premiums rise every birthday — the same cover gets more expensive each year you wait.
- One bad year undoes ten good ones — savings meant for the future get spent surviving the present.
Once your plan is in place
- Your family knows exactly what happens — the amount, the timing, who to call.
- You know your number — and you can defend it, because you worked it out yourself.
- You locked in today’s rate — the cost stops climbing the day you start.
- Your savings stay savings — for the future you planned, not the emergency you did not.
How I can help,and where we'd start.
Life & income protection
If your income stopped tomorrow, your family’s plans should not stop with it.
Health & critical illness
Cover that pays out on diagnosis, so treatment stays a medical decision and not a financial one.
Education funding
A funded plan for the year they turn eighteen, started in the year you can afford.
Retirement & savings
Turn what you already set aside into something that keeps paying you later.
Got questions.I've got answers.
How much does this usually cost?
It depends on your age, your health and how much cover you need — but the honest answer is that it is usually less than people expect. We start from what your family would actually need, then work backwards to a monthly figure you are comfortable with. If that number does not fit your budget, I will tell you, instead of selling you something you cannot sustain.
Do I have to buy anything?
No. The check is free and there is no obligation at any point. Plenty of the people I talk to leave with a clearer picture and nothing else, and that is a perfectly good outcome.
I already have coverage through work. Is that not enough?
It is a good start, and for some people it is enough. The catch is that it usually ends when the job does, and the amount was set by your employer rather than by your family’s actual needs. Worth ten minutes to check what yours covers.
How long does this take?
The online check takes about two minutes. If you want to go deeper after that, we talk for 30–45 minutes — over coffee or on a video call, whichever suits you.
What if I am not ready yet?
Then you are not ready, and that is fine. Knowing your numbers costs you nothing today, and it makes the decision easier whenever you do get there.
Free Clarity CallKnow exactly how much protection your family needs
A free 2-minute check that shows you the real numbers — no jargon, no pressure, and nothing to buy.
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