Pre-selling condos for sale in Metro Manila refer to condominium units that are still under construction and are being sold before they are completed. These units are often sold at a lower price than those that are already built and ready for occupancy. This is because developers offer special discounts and payment terms to encourage buyers to purchase the units before completion.
One of the advantages of purchasing a pre-selling condo is that you can usually get it at a lower price compared to a completed unit. This is because developers offer special discounts and flexible payment terms to attract buyers during the pre-selling stage. This means that you can save a significant amount of money if you decide to purchase a pre-selling unit.
Another advantage of buying a pre-selling condo is that you have more options to choose from. Since the unit is not yet built, you have the opportunity to choose the location, floor plan, and other specifications that you prefer. You can also work with the developer to customize the unit according to your needs and preferences.
However, there are also some risks associated with purchasing a pre-selling condo. One of the biggest risks is that the actual unit may not turn out as expected. This is because the finished product may differ from the initial design and specifications presented during the pre-selling stage. Additionally, the construction of the building may be delayed, which means that you may have to wait longer before you can move in.
If you decide to purchase a pre-selling condo, it is important to do your research and choose a reputable developer. Make sure that the developer has a good track record in completing projects on time and delivering high-quality units. You should also read and understand the terms and conditions of the contract before signing it to avoid any potential issues in the future.
Overall, pre-selling condos for sale in Metro Manila can be a great investment opportunity for those who are willing to take the risk. With careful research and planning, you can find a unit that meets your needs and preferences while also providing a good return on investment in the long run.
Experience the epitome of luxurious living with the top pre-selling condo projects in Metro Manila. Discover the future of the real estate and indulge in the best modern amenities, prime locations, and stunning designs that these upcoming developments have to offer.
I. Haraya Residences
Haraya Residences is a luxury residential project in Pasig City, Metro Manila, Philippines, developed by Shang Robinsons Properties, Inc. The project features two towers with a total of 558 units, including 1BR, 2BR, 3BR, and penthouse units. Haraya Residences offers a unique vision of the home, bringing together the finest architects, designers, and artisans to deliver an uncompromising new perspective on cosmopolitan living. The project covers a site area of 8440 square meters, and the South Tower has 57 residential floors with a height of 224.74 meters.
The project is designed to inspire imagination and new possibilities, with an emphasis on spatial ways to experience comfort, privacy, and the sense of freedom in your homes. The project features over 2,270 square meters of indoor amenities spaces and 2,500 square meters of outdoor amenities space, including a tropical pool, kiddie pool, jacuzzi, children’s play area, and garden areas.
A. Location
Haraya Residences is located in the Bridgetowne Estate, Pasig City, Metro Manila, Philippines. The estate is situated in a highly accessible location, with close proximity to major business and commercial districts such as Ortigas Center, Bonifacio Global City, and Quezon City. It is also conveniently located near essential establishments such as hospitals, schools, shopping centers, and dining options. The development can be easily accessed via various modes of transportation, making it an ideal location for those who desire a convenient and accessible lifestyle.
B. Developer and Designer
Haraya Residences is developed by Shang Robinsons Properties, Inc., a joint venture between Shang Properties, Inc. and Robinsons Land Corporation. Shang Properties is a leading developer of high-end residential and commercial properties in the Philippines, while Robinsons Land Corporation is one of the largest real estate developers in the country, with a diverse portfolio that includes residential, commercial, and industrial properties.
The architect of record for Haraya Residences is P&T Architects and Engineers Ltd., a Hong Kong-based architecture and engineering firm that has worked on numerous large-scale projects in Asia and around the world. P&T Architects is known for their innovative designs that blend form and function, and for their commitment to sustainability and environmental responsibility.
Haraya Residences is also designed in collaboration with FM Architettura, an Italian design firm that specializes in luxury residential and commercial projects. FM Architettura is known for their attention to detail, and for their ability to create spaces that are both functional and aesthetically pleasing.
Together, Shang Robinsons Properties, P&T Architects, and FM Architettura have created a unique vision for Haraya Residences that redefines cosmopolitan living and sets a new standard for luxury residential developments in the Philippines.
C. Features and Amenities
Haraya Residences offers a range of features and amenities designed to provide residents with a luxurious and comfortable living experience.
The development has two towers, the South Tower, which features 558 residences, and the forthcoming North Tower. The South Tower is 57 stories high, has a floor-to-ceiling height of 2.85 meters, and covers a site area of 8,440 square meters.
Haraya Residences is designed to inspire imagination and new possibilities, with an emphasis on spatial ways to experience comfort, privacy, and the sense of freedom in your homes. The name Haraya comes from an old Filipino word meaning “imagination,” which captures the spirit of the development.
The amenities at Haraya Residences are the heart of the project, offering a balance of privacy, community, and vibrant landscaping. The development has over 2,270 square meters of indoor amenities spaces, including The Veranda (Indoor and Alfresco), The Tea Room, The Studio, The Playroom, The Library, The Lounge, The Chef’s Kitchen, The Lobby Lounge, The Game Room, The Viewing Room, The Gym, Changing Rooms, and Sauna.
The outdoor amenities cover 2,500 square meters of thoughtfully designed space, including a tropical pool, kiddie pool, jacuzzi, children’s play area, and garden areas. The lush private landscapes and world-class amenities provide a sense of freedom and vibrancy, offering residents a chance to unwind and take in the soaring views.
The Veranda is a 170 square meter event space that extends into the stunning gardens outside, making it an ideal venue for celebrations. The Tea Room is a beautifully-appointed private room decorated with handcrafted furniture and artwork, perfect for more intimate gatherings or business meetings. The Chef’s Kitchen is a cozy dining room with a fully-integrated pantry, ideal for hosting unforgettable private parties. The Studio is a flexible and open creative space perfect for collaborative work or for hosting workshops and meetings.
Overall, Haraya Residences provides residents with an uncompromising new perspective on cosmopolitan living, featuring unique design elements, world-class amenities, and thoughtfully designed spaces that inspire imagination and new possibilities.
D. Unit Layouts and Prices
The development offers an array of unit layouts to cater to the diverse needs and preferences of its residents. Let’s take a closer look at the unit layouts and prices of Haraya Residences.
At the 61st floor, Haraya Residences offers a 3-bedroom unit with a size of 186.99 square meters. This unit is priced at PHP 61,126,240.00, making it one of the most expensive units in the development. The unit boasts breathtaking views of the city and comes with spacious bedrooms, a fully-equipped kitchen, and a luxurious living area.
On the 10th floor, Haraya Residences also offers a 3-bedroom unit with a size of 186.76 square meters. This unit is priced at PHP 53,165,280.00 and comes with similar features to the 61st-floor unit. However, since it is located on a lower floor, the view may not be as spectacular.
For those looking for a slightly smaller unit, Haraya Residences also offers 2-bedroom units. The 60th-floor unit has a size of 141.99 square meters and is priced at PHP 47,986,400.00. Meanwhile, the 10th-floor unit has a size of 140.15 square meters and is priced at PHP 40,853,120.00. Both units come with spacious bedrooms, a fully-equipped kitchen, and a comfortable living area.
Lastly, for those looking for a smaller yet equally luxurious option, Haraya Residences offers 1-bedroom units. The 61st-floor unit has a size of 63.63 square meters and is priced at PHP 20,610,240.00. Meanwhile, the 10th-floor unit has a size of 62.5 square meters and is priced at PHP 16,802,240.00. Both units come with a comfortable bedroom, a fully-equipped kitchen, and a cozy living area.
In conclusion, Haraya Residences offers an impressive selection of unit layouts and prices to cater to the diverse needs and preferences of its residents. Each unit is equipped with luxurious features and finishes, making it a highly desirable place to call home.
E. Investment Potential
Haraya Residences presents an excellent investment potential due to its prime location in Pasig City, one of the most vibrant and dynamic cities in Metro Manila, Philippines. As a luxury residential project developed by Shang Robinsons Properties, Inc., it offers a high-end lifestyle to its residents, making it a highly sought-after address for those who want to enjoy the best of what the city has to offer.
Investing in a unit at Haraya Residences presents an opportunity for potential investors to tap into the growing demand for luxury living in Pasig City, which is becoming a hub for high-end developments due to its strategic location and rapid economic growth. With its prime location, top-notch amenities, and luxurious finishes, Haraya Residences is expected to attract high-end buyers and renters, resulting in strong potential returns for investors.
Moreover, as a project developed by Shang Robinsons Properties, Inc., a reputable developer known for its high-quality projects, Haraya Residences is likely to retain its value and attract a steady stream of tenants, making it a wise long-term investment.
In summary, investing in a unit at Haraya Residences presents an excellent opportunity for investors looking to tap into the growing demand for luxury living in Pasig City. With its prime location, top-notch amenities, and reputable developer, Haraya Residences offers strong potential returns and is expected to retain its value over time. If you are looking for Pre Selling Condo For Sale in Haraya Residences Contact Us!
II. Aurelia Residences
Aurelia Residences is a prestigious collection of 285 bespoke residences situated in the heart of Bonifacio Global City, the fastest-growing central business district in the Philippines. The 55-story building boasts stunning views of the city skyline and Manila Golf Club, Manila Polo Club, and Forbes Park. The development offers convenient access to shopping and dining hotspots in the area, as well as easy connections to Makati, Forbes Park, Dasmariñas Village, EDSA, and the Manila International Airport. The lot size of Aurelia Residences is approximately 9,118 sqm, and there will be a total of 285 units with typical floors having six units in three wings. The residential tower will have three basement parking levels and one ground level parking. The amenities floor is located at Levels 1 and 2, and all residents will enjoy luxurious amenities such as a fitness center, swimming pool, landscaped gardens, and a sky deck lounge. The size of the units ranges from 240 to 339 sqm, and all units from level 3 and up will have balconies.
A. Location
Aurelia Residences is located in the heart of Bonifacio Global City, one of the most thriving and fastest-growing central business districts in the Philippines. The address of Aurelia Residences is 8th Avenue corner McKinley Parkway, Bonifacio Global City, Taguig, Metro Manila, Philippines. The location is characterized by its cosmopolitan skyline views and the lush greens of Manila Golf Club, Manila Polo Club, and Forbes Park. It offers easy access to top-notch restaurants, shopping malls, entertainment centers, and lifestyle destinations in the area, such as Central Square, The Fort Strip, Bonifacio High Street, Burgos Circle, and Uptown Mall. The location also provides effortless connections to Makati, Forbes Park, Dasmariñas Village, EDSA, as well as the Manila International Airport, international schools, and hospitals, making it a highly coveted address in the Philippines.
B. Developer and Designer
Aurelia Residences, an ambitious project by Shang Properties, promises to deliver an unparalleled living experience that surpasses all expectations. With a cutting-edge design that seamlessly blends form and function, the project is brought to life by the collaboration of two brilliant minds – the talented architects at H1 Architecture and the visionary developers at Shang Properties.
H1 Architecture, an acclaimed and award-winning architectural firm, brings their wealth of experience and expertise to the table, ensuring that Aurelia Residences stands out as a masterpiece of modern design. From the intricate details of the building’s façade to the layout of each living space, every aspect of the project has been carefully thought out and executed to perfection. The result is a stunningly beautiful building that effortlessly captures the essence of luxury living.
As a developer and designer, Shang Properties understands that a home is more than just a physical space. It’s a place where memories are made, where families grow, and where dreams come to life. With Aurelia Residences, Shang Properties has created a space that not only meets but exceeds the needs and expectations of the modern homeowner. By combining exceptional design, unparalleled functionality, and world-class amenities, Aurelia Residences is the epitome of luxury living at its finest.
C. Features and Amenities
Indulge in a lifestyle of luxury and convenience at Aurelia Residences, where all residents can enjoy a wide range of exceptional features and amenities. Take advantage of the indoor lounge areas and relax in style, or stay fit and healthy with our fully equipped gym. Cool off in the adult and children’s swimming pools, complete with lounge areas for the ultimate relaxation experience.
For those who love to entertain, our indoor function room with covered terrace and barbeque terrace provides the perfect setting for hosting events and gatherings. Children can play and explore in our indoor and outdoor play areas, while adults can unwind in the luxury home cinema or Jacuzzi and sauna room. Billiards and game room offer endless hours of entertainment, and the green lawn and jogging path provide a peaceful outdoor escape. Even your pets have their own designated garden to explore and play.
Aurelia Residences also boasts a range of exceptional building features, including a fireman’s lift, 100% backup power, and dedicated parking slots. Each wing also has a dedicated mail room and utility meters for gas, water, and electricity. Stay connected with provisions for telephone and data points, cable television, and a fiber optic backbone.
Safety and security are top priorities at Aurelia Residences, with a gated perimeter and exclusive entrance and driveway, 24-hour security, and CCTV monitoring system throughout the lobby, lifts, and amenities floor. Residents also have access cards and RFID for vehicles, with a service entrance via access card. A centralized fire detection and fire alarm system and fire protection system ensure your safety at all times. Electronic vehicle charging points are also available for your convenience.
At Aurelia Residences, you’ll enjoy 24-hour management services by Shang Properties Management Services Inc. and a dedicated reception and concierge. Each wing has its own private lift lobby, with a maximum of 2 units per floor for ultimate privacy. Dedicated 2 high-speed lifts per wing ensure that getting around is quick and convenient. Come and experience the ultimate in luxury living at Aurelia Residences.
D. Unit Layouts and Prices
Discover luxurious living at Aurelia Residences, where you can choose from 285 bespoke residences in the heart of Bonifacio Global City, the fastest-growing central business district in the Philippines. The 55-story tower offers breathtaking views of the city skyline, Manila Golf Club, Manila Polo Club, and Forbes Park, and convenient access to shopping and dining hotspots in the area, as well as easy connections to Makati, Forbes Park, Dasmariñas Village, EDSA, and the Manila International Airport.
The development has a lot size of approximately 9,118 sqm, with typical floors having six units in three wings. The residential tower has three basement parking levels and one ground level parking, with the amenities floor located at Levels 1 and 2. All residents can enjoy luxurious amenities such as a fitness center, swimming pool, landscaped gardens, and a sky deck lounge.
Choose from a range of unit layouts, ranging in size from 240 to 339 sqm, with balconies available in all units from Level 3 and up. Experience the pinnacle of luxury living with our spacious 3BR Signature unit on the 16th floor, which comes with three parking slots and measures 338.15 sqm at PHP 183,962,240. Or consider the elegant 3BR Deluxe unit on the 3rd floor, with two parking slots and a size of 242.60 sqm, priced at PHP 111,483,680. The 3BR Premier unit on the 3rd floor is another great option, with two parking slots and a size of 283.03 sqm, priced at PHP 143,533,600.
Experience the ultimate in luxury living at Aurelia Residences, where every detail has been carefully considered to provide you with the best possible living experience.
E. Investment Potential
Aurelia Residences presents an excellent investment opportunity for those seeking to invest in luxury real estate in the Philippines. Located in the heart of Bonifacio Global City, one of the fastest-growing central business districts in the country, the development offers convenient access to shopping and dining hotspots in the area, as well as easy connections to Makati, Forbes Park, Dasmariñas Village, EDSA, and the Manila International Airport.
With a lot size of approximately 9,118 sqm, and 285 bespoke residences, Aurelia Residences offers a limited supply of luxurious living spaces. The development boasts stunning views of the city skyline and Manila Golf Club, Manila Polo Club, and Forbes Park, and is designed by award-winning architectural firm H1 Architecture, ensuring that every unit is visually stunning and functional.
Investing in Aurelia Residences not only provides you with a luxurious living space, but also a sound financial investment. The value of luxury real estate in Bonifacio Global City has been consistently increasing, making it a smart investment option. The convenience of the location and the limited supply of units make Aurelia Residences a valuable asset to own.
Additionally, the amenities and facilities provided in the development, such as the fitness center, swimming pool, landscaped gardens, and sky deck lounge, ensure that residents can enjoy a comfortable and luxurious lifestyle, making Aurelia Residences an attractive choice for both investors and end-users alike.
In summary, Aurelia Residences presents a unique opportunity to invest in a limited supply of luxury residences in one of the fastest-growing central business districts in the Philippines, making it a sound financial investment with the added benefit of a luxurious living experience. If you are looking for Pre Selling Condo For Sale in Aurelia Residences Contact Us!
III. Edades West at Rockwell Center Makati
Edades West is a luxury residential condominium located in Rockwell Center Makati, Philippines. Developed by Rockwell Land Corporation, the building features modern architecture and elegant design, providing residents with a luxurious and comfortable living experience. The units range from one to four-bedroom apartments, each with spacious and well-designed layouts, high ceilings, and expansive windows that offer breathtaking views of the city. The building boasts various amenities such as a swimming pool, fitness center, function room, and 24-hour security. Edades West is situated in a prime location within the vibrant Rockwell community, offering easy access to a wide range of dining, shopping, and entertainment options.
A. Location
Edades West is located in Rockwell Center, a prestigious mixed-use development in Makati City, Philippines. The address is Hidalgo Drive cor. Plaza Drive, Rockwell Center, Makati City. The neighborhood is known for its upscale residential and commercial establishments, high-end shopping and dining options, and excellent accessibility to major business and entertainment districts in the metro. Rockwell Center is also known for its well-maintained and secure environment, making it a desirable location for those who prioritize safety and convenience.
B. Developer and Designer
Edades West at Rockwell Center Makati was developed by Rockwell Land Corporation, a leading real estate developer in the Philippines known for creating master-planned communities that offer an unparalleled lifestyle experience. The company has a proven track record of delivering high-quality developments that feature modern architecture, innovative design, and top-notch amenities.
The design of Edades West was led by a team of renowned architects and designers, including architect Jose Pedro C. Recio of Rchitects, Inc., and interior designer Arlen P. De Guzman of APDG. The building’s modern architecture and elegant interiors combine seamlessly to create a luxurious and sophisticated ambiance. The building’s design features clean lines, expansive windows, and open spaces that provide a seamless connection to the surrounding natural environment. The result is a building that is not only aesthetically pleasing but also functional and comfortable to live in.
C. Features and Amenities
Edades West at Rockwell Center Makati offers an array of features and amenities that provide residents with a luxurious and comfortable living experience. One of the key features of the building is its low-density design, with only 4 to 5 units per floor, ensuring a more exclusive and private lifestyle.
The building also boasts expansive balconies with double-panel sliding doors, providing a seamless indoor-outdoor experience, great ventilation, and generous natural lighting. Another exciting feature exclusive to Edades West is its floor-to-ceiling glass windows, which offer unobstructed views of the surrounding environment and reduce heat from the sun.
The flexibility of spaces is also a standout feature, allowing residents to customize each section of their homes as they wish, whether it is a home office or an indoor garden.
The amenity deck of Edades West features a heated swimming pool, kiddie pool, barbecue area, outdoor gazebo and lounge, children’s play area, rooftop view deck, private function room, library and lounge, exclusive gym, yoga/dance studio, and electronic vehicle charging stations.
The building also boasts high-speed elevators with access key cards, automatic fire alarm and sprinkler systems, 100% standby emergency power, and a security system complete with electronic access control and closed-circuit TV monitoring. There is also a basement parking equipped with a ventilation system.
Other features of Edades West include flexible unit layouts allowing for conversion of some spaces to be used for other functions such as work or study, movable wall systems, and customizable spaces by the tenant. The building also introduces entry foyer spaces as a transition space before entering the unit, which serves as a dedicated area for disinfection and storage.
D. Unit Layouts and Prices
Edades West at Rockwell Center Makati offers luxurious and spacious units for its residents. There are four different unit types available, including 2-bedroom and 3-bedroom units, with varying sizes and layouts.
The 2-bedroom unit (Unit D) has a total area of 123 sqm and features a foyer, living/dining area, kitchen, two bedrooms, two bathrooms, a master bedroom with its own balcony and bathroom, a utility room, an additional balcony, and an Accu room. The price for this unit is PHP 60,950,000.00.
The 3-bedroom units come in three different layouts. The first 3-bedroom unit (Unit A) has a total area of 212 sqm and features a foyer, living/dining area, hallway, powder room, kitchen, master bedroom with its own balcony, bathroom, and walk-in closet, two additional bedrooms, each with their own bathroom, a utility room, an Accu room, and an additional balcony. The price for this unit is PHP 142,000,000.00.
The second 3-bedroom unit (Unit D) has a total area of 248 sqm and features a foyer, living/dining area, hallway, powder room, den, show kitchen, wet kitchen, two bedrooms, each with their own bathroom, a master bedroom with its own balcony, bathroom, and walk-in closet, a utility room, an Accu room, and an additional balcony.
The third 3-bedroom unit (Unit C) has a total area of 260 sqm and features a foyer, den, living/dining area, hallway, show kitchen, wet kitchen, powder room, two bedrooms with a shared balcony, each with their own bathroom, a master bedroom with its own balcony, bathroom, and walk-in closet, a utility room, an Accu room, and an additional balcony. The price for this unit is PHP 160,000,000.00.
Overall, the units at Edades West offer spacious and flexible living spaces with high-end features and amenities for a luxurious and comfortable lifestyle.
E. Investment Potential
Edades West at Rockwell Center Makati is a high-end development with luxurious features and amenities, which makes it a promising investment opportunity. The property is located in one of the most prime areas of Makati City, with a strong demand for residential properties.
Investing in a unit in Edades West could provide an excellent return on investment (ROI) over time. The development’s exclusivity, prime location, and world-class facilities and amenities could result in an increase in property value, making it a good option for long-term investments.
Furthermore, Rockwell Land Corporation is known for its quality and innovative real estate developments, which could help enhance the property’s value over time. The unique features of Edades West, such as expansive balconies and floor-to-ceiling glass windows, also add to its appeal and could attract high-end buyers and renters.
Overall, investing in a unit in Edades West at Rockwell Center Makati could be a sound investment decision, especially for those looking for a luxurious and exclusive property in a prime location with strong potential for appreciation over time. If you are looking for Pre Selling Condo For Sale in Edades West Contact Us!
IV. Velaris Residences
Velaris Residences is a high-end residential condominium development located in Bridgetowne, Quezon City. Developed by RHK Land Corporation, the project aims to provide a luxurious and comfortable living experience for its residents.
A. Location
Velaris Residences is located in Bridgetowne, a 31-hectare township development that is strategically situated at the boundary of Quezon City and Pasig City. It is easily accessible via major thoroughfares such as Ortigas Avenue, C5 Road, and EDSA, and is just a few minutes away from commercial centers, schools, hospitals, and other essential establishments.
B. Developer and Designer
Velaris Residences is developed by RHK Land Corporation, a subsidiary of Robinsons Land Corporation. The development is designed by architectural firm W.V. Coscolluela & Associates, known for their expertise in creating modern and innovative structures.
C. Features and Amenities
Velaris Residences boasts a wide range of features and amenities that cater to the needs and preferences of its residents. These include:
- Grand lobby and reception area
- Infinity pool with Jacuzzi
- Children’s pool
- Function rooms
- Fitness center
- Outdoor play area
- Outdoor lounge
- Sky garden
- 24-hour security and CCTV surveillance
The development offers various unit types, ranging from one-bedroom units to three-bedroom units, with sizes ranging from 31 to 105 square meters. Each unit is designed with the utmost attention to detail and is equipped with high-quality finishes and fixtures.
D. Investment Potential
Velaris Residences is an excellent investment opportunity, especially for those looking for a luxurious and comfortable living experience in a prime location. The development’s proximity to commercial centers, schools, hospitals, and other essential establishments makes it an attractive option for both end-users and investors.
The property’s location in Bridgetowne, a rapidly developing township, also offers strong potential for capital appreciation over time. The high demand for premium residential properties in the area, coupled with the quality of the development and its facilities, could result in a good return on investment for investors.
In summary, Velaris Residences offers a luxurious and comfortable living experience in a prime location, making it an attractive investment opportunity for those looking for a high-end residential property with a strong potential for capital appreciation. If you are looking for Pre Selling Condo For Sale in Velaris Residences Contact Us!
A. Recap of Top 4 Pre-Selling Projects:
In summary, the top 4 pre-selling projects in Metro Manila are:
- Aurelia Residences by Shang Properties, located in BGC
- Edades West by Rockwell Land, located in Makati City
- Velaris Residences by RHK Land Corporation, located in Quezon City
- Haraya Residences by Shang Properties, located in Quezon City
These projects offer luxurious living spaces, high-end amenities, and prime locations, making them highly desirable to potential buyers.
B. Factors to Consider When Choosing a Pre-Selling Project:
When choosing a pre-selling project, it is essential to consider several factors such as location, developer reputation, project features and amenities, and investment potential. Additionally, it is essential to research the financing options and payment terms offered by the developer and ensure that it is within your budget.
C. Final Thoughts:
Investing in pre-selling projects can be a sound financial decision, provided that the buyer has done their research and carefully considered all relevant factors. Each of the top 4 pre-selling projects offers unique advantages and features that cater to different preferences and lifestyles. Ultimately, the choice of which pre-selling project to invest in depends on the individual’s needs, goals, and financial capabilities.