Emma is committed to providing physicians, dentists, business owners and individuals with life insurance and financial products that meet their protection and cash accumulation needs.

By keeping up with current trends and offering outstanding service, Emma has earned a reputation for integrity and for showing true concern for her clients.

Emma was born and raised in the Philippines. She is a graduate of De La Salle University in Manila, with a degree of Bachelor of Science in Commerce, major in Marketing Management.

Emma joined New York Life Insurance Company in 1986 and has a broad background in both personal and business insurance planning. An established agent from the San Francisco General Office, she operates her own practice in the commercial downtown area of Alamo. She resides in Alamo with her husband Jun.

Emma and Jun have three children. EJ, their eldest, is a Partner/Sales Manager with New York Life. Joel, their second, is a Financial Advisor/Certified Financial Planner, and a partner in the business. Jaclyn, their youngest, is a Sales Development Manager with New York Life’s San Francisco General Office.

In her free time, Emma loves spending time with their grandson Matteo and the family dog, Bodie.

"I want to assist you by providing the best possible professional service. I will strive to help you achieve your financial goals and accomplish the desired results. I also want to develop long-term relationships based upon these principles with personalized service. I will coordinate with your attorney and accountant to help meet the needs of your family and your business."

^*The Million Dollar Round Table is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Joel’s business efforts center around working with dentists, physicians, owners of closely held businesses and retirees in the areas of insurance and investment and estate and legacy planning. Always keeping risk management and asset protection in mind, Joel helps his clients focus on the accumulation, protection, distribution and transfer of their wealth and assets.

With this narrow focus on the dental/medical, business owner and retiree community, Joel is able to understand the issues, goals and concerns of his clients and help them determine what is it they would like to accomplish from both a business and personal financial planning perspective. Joel then helps his clients to take action, and ultimately takes responsibility to get the job done.

As a Financial Adviser^*, Joel holds several professional designations and licenses and is well versed in a number of financial disciplines. In order to stay on top of his field and provide the best possible advice, he continues to regularly attend industry training and certification programs. Joel's combined education and experience allows him to offer clients an impressive depth of expertise and services and positions him to be their trusted advisor.

Many clients of Magbitang Financial can remember Joel from his grade school days helping around the office. Clearly he had a passion for finance. Graduating from St. Mary's College with a Bachelor of Science in Economics and Business Administration and a minor in Philosophy, Joel formally joined the family practice as a Partner in 2003. Continuing to seek a greater level of competence in the insurance and investment arena, Joel completed his LUTCF (Life Underwriter Training Council Fellow) designation with The American College. Further distinguishing himself from others providing financial advice and striving to provide the best possible service to his clients, Joel completed San Francisco State University's Executive Certificate in Financial Planning and went on to pass the national Certified Financial Planner Board of Standards Board Exam, earning him the CFP^® (CERTIFIED FINANCIAL PLANNER^TM) designation.

In his free time, Joel enjoys many outdoor activities including cycling and skiing. Joel’s other passions include photography and travel, and of course spending lots of time with his best dog pal Bodie!

^* Julius Elmer "Joel" M. Magbitang, CFP®, LUTCF is a Financial Adviser offering investment advisory services through Eagle Strategies LLC, a Registered Investment Adviser.

^** MDRT is recognized throughtout the industry as the standard of excellence in life insurance sales performance.