01
Take the Provider Score
90 seconds
6 questions. You see your score right away, and I see which pillars to focus on.
The SPINER Framework
Six pillars. One protected provider.
Most insurance advice in the Philippines starts with a product. SPINER starts with a diagnosis of every area of your financial life, before a single recommendation is made.
Created by Harvey Spiner · Licensed Insurance Consultant
The 6 pillars
What it means to be a protected provider
Stability
Your emergency fund and monthly cash flow. Everything else is built on this, so without it every other pillar is at risk.
"If you lost your income today, how long could you survive?"
Protection
Your coverage and your gaps. This isn't where your money grows. It's where it doesn't disappear. We work out how much you need and what's missing.
"Who suffers financially if something happens to you?"
Income
Your income sources, how stable they are, and your replacement plan. One income stream is fragile.
"If this income disappeared tomorrow, what's your backup?"
Net Worth
What you own minus what you owe. Most people know their income but not this number. We work out the real figure.
"Are you building wealth or just managing debt?"
Expansion
Your long-term savings and growth plan. Protection keeps what you have. Expansion builds what your children inherit.
"Is your money growing, or just sitting there?"
Resilience
Your ability to absorb a job loss, a medical crisis or a bad year without everything collapsing.
"Could your finances survive a major setback?"
The diagnosis process
How a SPINEancial Diagnosis works
02
Meet for 30 minutes
free, online
Before we meet, I review your score. Then we go through all six pillars with your real numbers and name your exact gaps.
03
Build the plan together
your pace
Based on your diagnosis: specific next steps that fit your income and goals. No generic packages, no pressure.
Start here
Most providers don't know where they're exposed.
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