Trusted by 1,247+ Filipino Business Owners
Every month na 'di mo inaasikaso 'to, lumalaki ang liability mo — tahimik pero totoo.
Know exactly what to prepare so you don't get blindsided by the law.
₱2.8M average surprise liability
for a 20-employee company after 5 years
Walang nagsasabi sa'yo nito, pero every regular employee mo na naka-5 years na sa'yo... may utang ka na. Hindi emotional debt — legal debt. Retirement Pay. At kung di mo 'to planuhin ngayon, one day, sabay-sabay 'yan magma-mature. Boom. Multi-million payout.
The 5-Minute RPay Plan — Your Shortcut to Compliance Clarity
It's a direct, tactical system built for business owners na ayaw ng drama, gusto lang ng clarity. In just 5 minutes, malalaman mo kung saan ka liable, magkano, at anong next step mo.
Check if you're liable
Calculate how much you owe
Learn how to prepare without breaking cash flow
Created by a Business Protection Specialist Who's Helped 100+ SMEs Stay Compliant
100+
SMEs Protected
₱47M+
Penalties Avoided
7 Years
Experience
Ako si Reyduard Gelera, Business Protection Specialist for 7 years.
I've seen both sides — yung mga natamaan ng retirement pay law nang walang warning, at yung mga maagang kumilos at ngayon tahimik na secure ang operations nila.
That's why I built this plan: so you don't have to learn the hard way.
"One client waited too long — 15 employees, all hit 5 years at once. ₱4.2M surprise payout. Almost closed the business. Don't let this be you."
Here's What You'll Discover Inside the RPay Plan
Check If You're Liable
Regular employee + 5 years = required by law.
Calculate Your Liability
₱ formula with visual example.
Spot the Risks
DOLE complaints, resignations, and multiple retirements — explained clearly.
Prepare Without Hurting Cash Flow
2–3% monthly fund strategy.
Future-Proof Your System
Policy, HR, accounting alignment.
Most Businesses Fail Because They Ignore This Law
Maraming SMEs ang nasisira hindi dahil sa sales, kundi dahil sa compliance shocks.
The RPay Plan gives you full visibility and control — para hindi ka na mabigla.
⚠️ Reality Check:
Your liability grows silently every month. By year 5, it's not just one employee — it could be 10, 15, or 20 employees all hitting retirement pay eligibility at once.
Most Businesses Fail Because They Ignore This Law
Maraming SMEs ang nasisira hindi dahil sa sales, kundi dahil sa compliance shocks.
The RPay Plan gives you full visibility and control — para hindi ka na mabigla.
⚠️ Reality Check:
Your liability grows silently every month. By year 5, it's not just one employee — it could be 10, 15, or 20 employees all hitting retirement pay eligibility at once.
Is This For You?
✅ For You
First-gen entrepreneurs (20–100 employees)
SMEs earning ₱300K–₱2M/month
Leaders who want to protect both their team and company
You've hired your 5th+ employee
You wake up worried about compliance
You want to sleep better at night
❌ Not For You
Those ignoring labor laws
Those who always prepare at the last minute
Business owners who prefer surprises
Real Business Owners, Real Results
"Akala ko okay lang kami. Turns out, we had ₱1.8M in hidden liability. The RPay Plan saved us from a massive cash flow crisis."
Maria Santos
Tech Startup (35 employees)
Before: ₱0 prepared | After: ₱1.8M secured
"Hindi ko naisip na ganito kalaki ang impact. Now I sleep better knowing we're compliant and prepared."
Jun Reyes
Manufacturing (52 employees)
Before: ₱0 prepared | After: ₱1.8M secured
"The clarity call was worth every peso. We got a clear roadmap and actual numbers. No more guessing."
Lisa Chen
Retail Chain (28 employees)
Built ₱950K fund in 18 months
Book Your RPay Clarity Call
₱1,500
No Fee (For Now)
for a 1-on-1 tactical session
We'll check your data
Review your current employee structure
Compute liabilities
Get exact numbers for each employee
Map out your plan
Step-by-step compliance roadmap
🎁 Bonus:RPay Liability Worksheet — ready-to-use Excel file
100% RISK-FREE
My No-BS Guarantee
"You'll walk away with a clear retirement pay plan, or you don't pay."
Kung walang clarity, refund agad. Walang tanong-tanong.
Your peace of mind is my priority. That's why I stand behind every consultation with this guarantee.
Common Questions
What if I'm already behind on retirement pay?
Don't panic. The RPay Plan will help you calculate exactly where you stand and create a catch-up strategy that won't destroy your cash flow. Many of our clients were already behind when they started.
Do I need an accountant first?
No. The 5-Minute RPay Plan is designed to give you clarity first. You can then work with your accountant using the exact numbers and framework we provide. Many clients say this makes their accountant conversations much more productive.
What if I have contractors, not employees?
If they're truly contractors, retirement pay doesn't apply. But if DOLE classifies them as employees (regularization), you could be liable. The RPay Plan includes a classification guide to help you understand your actual exposure.
Is this only for large companies?
No. This is specifically for SMEs with 5-100 employees. Even with just 5 employees, you need to plan for retirement pay. The earlier you start, the easier it is to manage.
What's included in the Clarity Call?
A 1-on-1 session where we review your employee data, calculate exact liabilities, identify risks, and map out a step-by-step compliance plan. You'll also get a ready-to-use RPay Liability Worksheet in Excel format.
Ready to Protect Your Business from Surprise Liabilities?
Take control of your retirement pay obligations in just two simple steps
Download The 5-Minute RPay Plan
Get instant access to the free guide
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