FROM LEFT: UnionBank Chief Financial Officer Manuel Lozano, UnionBank Financial Services and Insurance Brokerage Inc. (UFSI) President and CEO Ramon Melchor Tejero, UnionBank Chief Marketing and Experience Officer Albert Raymond Cuadrante, UnionBank Head of Wealth Client Relationships Therese Chan, UnionBank President and CEO Ana Aboitiz-Delgado, UnionBank Head of Wealth Management Gauraw Srivastava, UnionBank Treasurer and Global Markets Head Johnson Sia, and UnionBank Retail Sales Network Head Gautam Sharma.
As investors navigate shifting global markets, rising healthcare costs, and the challenge of preserving wealth across generations, access to informed and diversified financial strategies has become increasingly important. Through its latest “Next in Wealth: Unlocked” market outlook series, UnionBank Wealth gave clients exclusive access to global and local investment insights on portfolio diversification, risk management, protection, and wealth succession planning to help them navigate an increasingly complex and evolving financial landscape.
Growing wealth through diversification
The investment discussions centered on a practical principle: portfolios intended to endure should not depend on a single market, asset class, or source of return. Investment experts from Lombard Odier, BlackRock, Fidelity International, and ATRAM Group shared how emerging global and local opportunities, diversified income sources and disciplined portfolio construction can help investors pursue growth while managing downside risk.
Among the perspectives shared were the potential role of income-generating assets, the need to
balance dividends and growth, and the importance of assessing opportunities through a long-term
framework rather than reacting to short-term market movements. Local market considerations were
also discussed to help clients place global themes alongside the country’s very own investment
landscape.
Group Phillip Frederick Hagedorn
Protecting wealth from unexpected risks
The conversations also emphasized that investment performance is only one part of wealth planning.
Health can also place pressure on accumulated assets, disrupt cash flow, and affect plans for the family
or business. Insurance experts from InLife discussed how appropriate local and international healthcare
coverage can support financial continuity.
For UnionBank Wealth clients, the broader takeaway was to consider risk protection alongside expected
returns. Building financial resilience also means identifying potential gaps early on and aligning
insurance and healthcare solutions with risks a family may face.
Preparing wealth for the next generation
Succession planning was also highlighted at the “Next in Wealth: Unlocked” series. Not limited to
transferring assets, it also involves preparing future wealth stewards to understand family goals,
financial responsibilities, and the decisions required to preserve or grow the family’s legacy. The
discussions highlighted the value of starting these conversations early, establishing a long-term
framework, and giving the next generation practical financial knowledge.
Supporting this objective is the next chapter of the UnionBank Private NextGen Academy, which will be
re-launched in partnership with the Asian Institute of Management (AIM), equipping successors with
practical insights on wealth stewardship, leadership, and long-term legacy planning.
“Clients increasingly need a wealth approach that connects investments, protection and day-to-day financial management rather than treating each need in isolation. When these elements work together, families are better equipped to preserve wealth, adapt to change and prepare future generations for long-term financial stewardship.”
— Gauraw Srivastava, Head of Wealth Management, UnionBank
The series also showcased how clients can manage their finances more efficiently across borders and
generations. Digital capabilities such as UnionBank Global Transfer and PayDirect were presented in the
context of simplifying everyday financial management. As UnionBank Chief Marketing and Experience
Officer Albert Cuadrante, noted during the series, making financial tasks simpler and more intuitive
allows clients to focus on the decisions that have the greatest impact on their long-term goals and
legacies.
Beyond the wealth-planning discussions, clients were treated to an engaging evening of exceptional
music from acclaimed Philippine musical icons . “Stellar Diva” Bituin Escalante performed throughout
the series, while InLife “Dreamweaver” and Brand Ambassador, the acknowledged “Megastar” Sharon
Cuneta, made a surprise appearance at the Quezon City leg.
A broader perspective on enduring wealth
Ana Aboitiz Delgado, UnionBank President and CEO, closed the night and brought the conversation
beyond markets and portfolios, underscoring that wealth is ultimately about the people, aspirations,
and legacies behind every financial decision.
“Behind every portfolio is a personal story shaped by family, aspirations, responsibilities and the legacy each client hopes to build. Enduring wealth therefore requires more than identifying opportunities. It calls for disciplined diversification, appropriate protection and thoughtful preparation of the next generation.”
— Ana Aboitiz Delgado, President and CEO, UnionBank
As markets, family priorities and financial risks evolve, enduring wealth will increasingly depend on
balancing growth, protection and preparation. Access to the right insights, tools and guidance can help
families make informed decisions today while creating a stronger foundation for the generations that
follow.
The “Next in Wealth: Unlocked” series was held in Cebu and Metro Manila last September 2026. To learn more about UnionBank Wealth, visit unionbankph.com/wealth or email
ubwealth@unionbankph.com.