Alvin ubaldo

Alvin Ubaldo talks about why ethical investing matters for long-term success. He believes that growing your money should also mean doing the right thing—by being responsible, honest, and planning for the future. With smart choices and a focus on doing good, Alvin shows how you can build wealth while also making a positive impact.  

Retirement planning is one of the most important financial goals many people strive to achieve, but it can also be one of the most challenging. One of the key concerns for retirees is ensuring a steady and reliable income stream that will last throughout their golden years. Alvin Ubaldo , a trusted name in personal finance and investment strategies, shares his expert insights on how to create a retirement income ladder—a powerful approach to generating consistent income in retirement while minimizing risks. What Is a Retirement Income Ladder? A retirement income ladder is a strategy that involves structuring your investments and assets in a way that ensures you receive a predictable income at regular intervals. It’s similar to how a ladder has rungs at different heights; your income sources are “laddered” so that as one investment matures or begins paying out, another is ready to take its place. This helps prevent the risk of running out of money too soon and reduces dependency on any ...

Alvin Ubaldo explains how interest rates impact both your loans and your savings. Whether you're borrowing money or putting it away in a savings account, understanding how interest works can help you make better financial decisions. This video breaks it down in simple terms so you can manage your money with more confidence and clarity.