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About me

Hi, I am Kiko!

Francis "Kiko Torcs" Torculas, RFP, MBA

A passionate financial advisor with a mission to help every Filipino secure their financial future. My journey began in the seminary, where I dedicated myself to serving others. Now, I’m still driven by that same purpose—protecting families from unexpected financial setbacks. I believe that every Filipino deserves peace of mind and a financially secure life, and I’m committed to making that happen.

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What's New?

Here are the latest updates we have this month of August

What do I do?

Explore the services I offer below.

The Last of us

Financial Planner

I offer personalized financial planning at no cost, helping you build a secure future with expert guidance tailored to your goals and dreams.

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Speaker

As an inspiring public speaker, I bring financial empowerment and practical insights to life, motivating audiences to take control of their financial journey with confidence.

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Author

As an author, I craft insightful books that simplify financial concepts, turning complex topics into actionable strategies for anyone aiming to achieve financial freedom.

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What is your financial goal right now? Let's connect!

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Our Mission

Empower Filipino families with financial security and peace of mind by providing reliable insurance solutions that prepare them for life’s uncertainties.

Financial Planning

One-on-One Free Consultation

Financial Literacy Campaign

One thing that we were not taught at school

Career Opportunity

The mission needs to continue

Business Growth and Collaboration

Your business is the extension of your soul

Valued Client's Experience

Your testimonial about securing insurance can inspire others to take that crucial step toward protecting their loved ones and achieving peace of mind.

Sun Life Updates

Featured Plans

Insurance Plan for BPO Workers

For just PHP 2,000 a month, you can secure PHP 500,000 for critical illness coverage, PHP 1M in hospital income, and an additional PHP 400,000 for accidental death. That’s a total of PHP 2.7M in protection, and the best part? It’s transferable across four generations, ensuring your family's peace of mind for years to come.

Insurance Plan for Healthcare Workers

For only PHP 3,333 a month, you can enjoy comprehensive coverage with PHP 1M for death benefit, PHP 1M for critical illness, PHP 2M in hospital income, and PHP 500,000 for accidental death. That’s a guaranteed total of PHP 4.7M in protection, all transferrable to future generations, ensuring lasting security for your loved ones.

Insurance Plan for Single Parents

For just PHP 2,000 a month, as a single parent, you can secure PHP 500,000 for critical illness coverage, PHP 1M in hospital income, and an additional PHP 400,000 for accidental death. That’s a total of PHP 2.7M in protection, giving you peace of mind that your child’s future is well cared for. And the best part? It’s accessible to future generations, ensuring lasting security for your family across the years to come.

Advisor Fact

Let me share a bit about myself and how we can be the perfect partners in achieving your goals.

Height is average

I am 5"3

Long rides

I love discovering places in the Philippines

Bookworm

I read a book 1 hour per day

Memories

I like deep connections with my clients, that is why I am just one call away from any celebrations