PSE High Dividend Yield Stocks

Data as of: 13-Apr-2026 Mon 3:30 PM / (Last Trading)
Explore high-yield dividend stocks in the Philippine Stock Exchange with top picks & full list ranked by yield.

Best High Dividend Yield Stocks

Stock Stock Name Annual Dividend Yield Annual Dividend Amount Latest Dividend Amount Latest Dividend Ex-Date Payout Consistency Stock Price Market Cap
1
DDMP REIT, Inc.
(Property)
8.89% ₱0.0934 ₱0.0240 2026-Jan-29 5 Years ₱1.05 ₱18.72 Billion full details
2
OceanaGold (Philippines), Inc.
(Mining)
8.68% US$0.0492 US$0.0167 2026-Mar-04 2 Years ₱34.00 ₱77.52 Billion full details
3
LT Group, Inc.
(Holding Firms)
8.48% ₱1.25 ₱0.300 2026-Mar-05 15 Years ₱14.74 ₱159.51 Billion full details
4
Filinvest REIT Corp.
(Property)
8.34% ₱0.241 ₱0.0600 2026-Mar-06 5 Years ₱2.89 ₱14.14 Billion full details
5
Metropolitan Bank & Trust Company
(Banks)
7.43% ₱5.00 ₱3.50 2026-Mar-06 24 Years ₱67.30 ₱302.68 Billion full details
6
PLDT Inc.
(Telecommunications)
7.32% ₱94.00 ₱46.00 2026-Mar-25 21 Years ₱1,284.00 ₱277.42 Billion full details
7
MREIT, Inc.
(Property)
7.27% ₱1.00 ₱0.251 2026-Mar-13 5 Years ₱13.78 ₱51.29 Billion full details
8
Universal Robina Corporation
(Food, Beverage & Tobacco)
7.17% ₱4.30 ₱2.10 2026-Apr-08 31 Years ₱60.00 ₱129.36 Billion full details
9
RL Commercial REIT, Inc.
(Property)
6.19% ₱0.427 ₱0.111 2026-Feb-19 5 Years ₱6.90 ₱108.43 Billion full details
10
Globe Telecom, Inc.
(Telecommunications)
6.13% ₱100.00 ₱25.00 2026-Feb-16 23 Years ₱1,630.00 ₱235.34 Billion full details
11
AREIT, Inc.
(Property)
6.10% ₱2.41 ₱0.620 2026-Mar-04 6 Years ₱39.50 ₱126.79 Billion full details
List Resumes After Advertisment
12
Ginebra San Miguel, Inc.
(Food, Beverage & Tobacco)
5.99% ₱16.00 ₱4.00 2026-Mar-19 7 Years ₱267.20 ₱76.51 Billion full details
13
San Miguel Food and Beverage, Inc.
(Food, Beverage & Tobacco)
5.87% ₱3.05 ₱0.500 2026-Feb-19 15 Years ₱52.00 ₱307.28 Billion full details
14
D&L Industries, Inc.
(Food, Beverage & Tobacco)
5.76% ₱0.213 ₱0.213 2025-Jun-17 13 Years ₱3.70 ₱26.43 Billion full details
15
Citicore Energy REIT Corp.
(Property)
5.69% ₱0.202 ₱0.0560 2026-Apr-23 4 Years ₱3.55 ₱23.24 Billion full details
16
Wilcon Depot, Inc.
(Retail)
5.63% ₱0.360 ₱0.400 2026-Apr-16 8 Years ₱6.40 ₱26.24 Billion full details
17
Cosco Capital, Inc.
(Holding Firms)
5.58% ₱0.396 ₱0.133 2026-Aug-19 5 Years ₱7.10 ₱50.20 Billion full details
18
The Keepers Holdings, Inc.
(Food, Beverage & Tobacco)
5.45% ₱0.120 ₱0.120 2026-Apr-16 4 Years ₱2.20 ₱31.92 Billion full details
19
Maynilad Water Services, Inc.
(Elec., Energy, Power & Water)
5.38% ₱1.14 ₱1.14 2026-Mar-06 0 Year ₱21.20 ₱159.99 Billion full details
20
Aboitiz Power Corporation
(Elec., Energy, Power & Water)
5.04% ₱2.28 ₱2.28 2026-Mar-18 18 Years ₱45.20 ₱325.70 Billion full details
21
DigiPlus Interactive Corp.
(Casinos & Gaming)
4.97% ₱0.830 ₱0.830 2026-Mar-31 2 Years ₱16.70 ₱73.61 Billion full details
22
Aboitiz Equity Ventures, Inc.
(Holding Firms)
4.94% ₱1.53 ₱1.53 2026-Mar-18 27 Years ₱31.00 ₱172.17 Billion full details
23
DMCI Holdings, Inc.
(Holding Firms)
4.80% ₱0.480 ₱0.480 2025-Nov-04 20 Years ₱10.00 ₱132.77 Billion full details
24
Monde Nissin Corporation
(Food, Beverage & Tobacco)
4.74% ₱0.310 ₱0.240 2026-Apr-23 4 Years ₱6.54 ₱117.51 Billion full details
25
Manila Electric Company
(Elec., Energy, Power & Water)
4.61% ₱28.00 ₱16.67 2026-Mar-25 18 Years ₱608.00 ₱685.27 Billion full details
26
Bank of the Philippine Islands
(Banks)
4.40% ₱4.36 ₱2.28 2025-Dec-02 32 Years ₱99.00 ₱521.94 Billion full details
27
Puregold Price Club, Inc.
(Retail)
4.36% ₱1.81 ₱0.790 2026-Aug-14 5 Years ₱41.50 ₱119.53 Billion full details
28
Semirara Mining and Power Corporation
(Elec., Energy, Power & Water)
4.17% ₱1.25 ₱1.25 2025-Nov-03 20 Years ₱29.95 ₱127.30 Billion full details
29
China Banking Corporation
(Banks)
4.03% ₱2.50 ₱2.50 2025-May-08 25 Years ₱62.00 ₱166.86 Billion full details

These stocks are selected for their combination of high dividend yields and quality traits. Inclusions cover PSEi constituents, Dividend Yield Index members, MidCap Index names, REITs, large-cap stocks, and others with strong volume, solid liquidity, or generally recognized market quality.

Each stock undergoes additional screening based on dividend yield thresholds tailored to its category, ensuring income potential remains sustainable relative to market conditions. While higher-yielding opportunities are favored, reasonable limits are applied in select groups to avoid exposure to unstable returns or short-term market distortions.

 

All High Dividend Yield Stocks

Stock Stock Name Annual Dividend Yield Annual Dividend Amount Latest Dividend Amount Latest Dividend Ex-Date Payout Consistency Stock Price Market Cap
1
Cirtek Holdings Philippines Corporation Preferred B-2 Subseries C Shares
(Electrical Components & Equip.)
53.03% ₱5.30 ₱1.77 2025-Nov-27 3 Years ₱10.00 ₱169.36 Million full details
2
Cirtek Holdings Philippines Corporation Preferred B-2 Subseries D Shares
(Electrical Components & Equip.)
39.28% ₱2.91 ₱0.969 2025-Nov-27 3 Years ₱7.40 ₱211.83 Million full details
3
Cebu Air, Inc. Convertible Preferred Shares
(Transportation Services)
28.50% ₱9.12 ₱9.12 2025-Sep-04 1 Year ₱32.00 ₱9.90 Billion full details
4
Marcventures Holdings, Inc.
(Mining)
19.51% ₱0.133 ₱0.133 2026-Feb-13 0 Year ₱0.680 ₱2.05 Billion full details
5
Liberty Flour Mills, Inc.
(Food, Beverage & Tobacco)
17.70% ₱5.40 ₱0.600 2026-Jan-14 22 Years ₱30.50 ₱4.58 Billion full details
6
VistaREIT, Inc.
(Property)
13.94% ₱0.198 ₱0.0492 2025-Dec-11 4 Years ₱1.42 ₱10.65 Billion full details
7
Premiere Island Power REIT Corporation
(Property)
12.30% ₱0.148 ₱0.0265 2025-Dec-12 3 Years ₱1.20 ₱3.95 Billion full details
8
SPC Power Corporation
(Elec., Energy, Power & Water)
11.88% ₱1.20 ₱0.800 2025-Dec-23 11 Years ₱10.10 ₱15.12 Billion full details
9
F&J Prince Holdings Corporation "A"
(Holding Firms)
11.11% ₱0.300 ₱0.100 2026-Apr-08 16 Years ₱2.70 ₱790.05 Million full details
10
Vista Land & Lifescapes, Inc.
(Property)
11.09% ₱0.118 ₱0.118 2026-Jan-15 0 Year ₱1.06 ₱13.46 Billion full details
11
Metro Retail Stores Group, Inc.
(Retail)
10.81% ₱0.120 ₱0.0600 2026-Apr-07 3 Years ₱1.11 ₱3.60 Billion full details
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12
DoubleDragon Properties Corp. Preferred Shares
(Property)
10.39% ₱9.69 ₱2.42 2026-Mar-27 3 Years ₱93.20 ₱9.32 Billion full details
13
Vista Land & Lifescapes, Inc. Series 2A Preferred Shares
(Property)
9.40% ₱7.99 ₱2.00 2026-Sep-11 2 Years ₱85.00 ₱1.22 Billion full details
14
Vista Land & Lifescapes, Inc. Series 2B Preferred Shares
(Property)
9.33% ₱8.40 ₱2.10 2026-Sep-11 2 Years ₱90.00 ₱1.41 Billion full details
15
Phinma Corporation
(Construction, Infr. & Allied)
8.97% ₱1.20 ₱0.600 2026-Mar-30 17 Years ₱13.38 ₱4.50 Billion full details
16
DDMP REIT, Inc.
(Property)
8.89% ₱0.0934 ₱0.0240 2026-Jan-29 5 Years ₱1.05 ₱18.72 Billion full details
17
OceanaGold (Philippines), Inc.
(Mining)
8.68% US$0.0492 US$0.0167 2026-Mar-04 2 Years ₱34.00 ₱77.52 Billion full details
18
RFM Corporation
(Food, Beverage & Tobacco)
8.63% ₱0.475 ₱0.0890 2026-Apr-22 18 Years ₱5.50 ₱18.53 Billion full details
19
Vantage Equities, Inc.
(Other Financial Institutions)
8.60% ₱0.0800 ₱0.0800 2025-Dec-19 1 Year ₱0.930 ₱3.91 Billion full details
20
LT Group, Inc.
(Holding Firms)
8.48% ₱1.25 ₱0.300 2026-Mar-05 15 Years ₱14.74 ₱159.51 Billion full details
21
Upson International Corp.
(Retail)
8.45% ₱0.0600 ₱0.0600 2025-Jun-09 3 Years ₱0.710 ₱2.22 Billion full details
22
GMA Network, Inc.
(Media)
8.39% ₱0.500 ₱0.400 2026-Apr-17 18 Years ₱5.96 ₱20.05 Billion full details
23
San Miguel Corporation Series "2" Preferred Shares - Subseries "2-M"
(Holding Firms)
8.38% ₱6.28 ₱1.57 2026-Mar-19 3 Years ₱75.00 ₱13.00 Billion full details
24
Filinvest REIT Corp.
(Property)
8.34% ₱0.241 ₱0.0600 2026-Mar-06 5 Years ₱2.89 ₱14.14 Billion full details
25
Centro Escolar University
(Education)
8.34% ₱1.40 ₱1.40 2025-Jul-09 5 Years ₱16.78 ₱6.25 Billion full details
26
A Brown Company, Inc. Series C Preferred Shares
(Property)
8.20% ₱8.75 ₱2.19 2026-Feb-06 2 Years ₱106.70 ₱740.60 Million full details
27
A Brown Company, Inc. Series B Preferred Shares
(Property)
8.04% ₱8.25 ₱2.06 2026-Feb-06 2 Years ₱102.60 ₱762.50 Million full details
28
Panasonic Manufacturing Philippines Corporation
(Electrical Components & Equip.)
7.87% ₱0.739 ₱0.739 2025-Jun-05 11 Years ₱9.39 ₱795.55 Million full details
29
San Miguel Corporation Series 2 Preferred Shares – Subseries "2O"
(Holding Firms)
7.86% ₱6.45 ₱1.61 2026-Mar-19 2 Years ₱82.00 ₱15.40 Billion full details
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30
Century Properties Group Inc.
(Property)
7.86% ₱0.0526 ₱0.0105 2025-Sep-25 3 Years ₱0.670 ₱7.77 Billion full details
31
Cebu Landmasters, Inc. Series A-2 Preferred Shares
(Property)
7.78% ₱82.50 ₱20.63 2026-Oct-01 2 Years ₱1,060.00 ₱2.35 Billion full details
32
Megawide Construction Corporation Non-Voting Perpetual Series 5 Preferred Shares
(Construction, Infr. & Allied)
7.75% ₱7.90 ₱1.98 2026-Mar-27 3 Years ₱102.00 ₱1.53 Billion full details
33
San Miguel Corporation Series 2 Preferred Shares – Subseries "2N"
(Holding Firms)
7.73% ₱6.26 ₱1.57 2026-Mar-19 2 Years ₱81.00 ₱8.11 Billion full details
34
Concepcion Industrial Corporation
(Electrical Components & Equip.)
7.65% ₱1.00 ₱1.00 2026-Apr-13 12 Years ₱13.08 ₱5.15 Billion full details
35
ACEN Corporation Perpetual Series B Preferred Shares
(Elec., Energy, Power & Water)
7.62% ₱80.00 ₱20.00 2026-Feb-13 3 Years ₱1,050.00 ₱17.49 Billion full details
36
Globe Telecom, Inc. Series A Voting Perpetual Preferred Shares
(Telecommunications)
7.60% ₱0.380 ₱0.380 2025-Nov-19 3 Years ₱5.00 ₱792.58 Million full details
37
Metropolitan Bank & Trust Company
(Banks)
7.43% ₱5.00 ₱3.50 2026-Mar-06 24 Years ₱67.30 ₱302.68 Billion full details
38
Solid Group, Inc.
(Holding Firms)
7.41% ₱0.100 ₱0.100 2025-Jul-14 4 Years ₱1.35 ₱2.46 Billion full details
39
San Miguel Corporation Series 2 Preferred Shares – Subseries "2L"
(Holding Firms)
7.39% ₱5.94 ₱1.48 2026-Mar-19 2 Years ₱80.35 ₱13.29 Billion full details
40
Cebu Landmasters, Inc. Series A-1 Preferred Shares
(Property)
7.37% ₱75.85 ₱18.96 2026-Oct-01 2 Years ₱1,029.00 ₱2.12 Billion full details
41
PLDT Inc.
(Telecommunications)
7.32% ₱94.00 ₱46.00 2026-Mar-25 21 Years ₱1,284.00 ₱277.42 Billion full details
42
Century Properties Group, Inc. Preferred B Shares
(Property)
7.32% ₱7.54 ₱1.89 2026-Oct-26 2 Years ₱103.00 ₱2.06 Billion full details
43
MREIT, Inc.
(Property)
7.27% ₱1.00 ₱0.251 2026-Mar-13 5 Years ₱13.78 ₱51.29 Billion full details
44
Universal Robina Corporation
(Food, Beverage & Tobacco)
7.17% ₱4.30 ₱2.10 2026-Apr-08 31 Years ₱60.00 ₱129.36 Billion full details
45
Petron Corporation Non-Voting Perpetual Series 4E Preferred Shares
(Elec., Energy, Power & Water)
7.10% ₱71.03 ₱17.76 2026-Feb-27 2 Years ₱1,000.00 ₱8.33 Billion full details
46
Petron Corporation Perpetual Preferred Shares Series "3" -Subseries "3B"
(Elec., Energy, Power & Water)
7.10% ₱71.38 ₱17.85 2026-Mar-03 3 Years ₱1,005.00 ₱6.63 Billion full details
47
EEI Corporation Series B Preferred Shares
(Construction, Infr. & Allied)
7.10% ₱6.94 ₱1.73 2026-Mar-16 3 Years ₱97.80 ₱4.40 Billion full details
48
ACEN Corporation Perpetual Series A Preferred Shares
(Elec., Energy, Power & Water)
7.06% ₱71.33 ₱17.83 2026-Feb-13 3 Years ₱1,010.00 ₱8.42 Billion full details
49
Petron Corporation Non-Voting Perpetual Series 4C Preferred Shares
(Elec., Energy, Power & Water)
6.96% ₱70.86 ₱17.72 2026-Mar-13 3 Years ₱1,018.00 ₱6.11 Billion full details
50
Euro-Med Laboratories Phil., Inc.
(Chemicals)
6.93% ₱0.0700 ₱0.0700 2025-Nov-13 4 Years ₱1.01 ₱4.15 Billion full details
51
Petron Corporation Non-Voting Perpetual Series 4B Preferred Shares
(Elec., Energy, Power & Water)
6.80% ₱67.97 ₱16.99 2026-Mar-13 3 Years ₱1,000.00 ₱3.00 Billion full details
52
Petron Corporation Non-Voting Perpetual Series 4D Preferred Shares
(Elec., Energy, Power & Water)
6.77% ₱68.36 ₱17.09 2026-Feb-27 2 Years ₱1,010.00 ₱8.59 Billion full details
53
Cityland Development Corporation
(Property)
6.70% ₱0.0375 ₱0.0375 2025-May-23 30 Years ₱0.560 ₱2.79 Billion full details
54
Petron Corporation Non-Voting Perpetual Series 4A Preferred Shares
(Elec., Energy, Power & Water)
6.59% ₱67.08 ₱16.77 2026-Mar-13 3 Years ₱1,018.00 ₱5.09 Billion full details
55
Filinvest Land, Inc.
(Property)
6.58% ₱0.0500 ₱0.0500 2025-May-13 18 Years ₱0.760 ₱18.43 Billion full details
56
PTFC Redevelopment Corporation
(Property)
6.57% ₱2.50 ₱2.50 2026-Jan-08 6 Years ₱38.05 ₱1.33 Billion full details
57
SSI Group, Inc.
(Retail)
6.48% ₱0.153 ₱0.153 2025-May-06 4 Years ₱2.36 ₱7.77 Billion full details
58
Rockwell Land Corporation
(Property)
6.41% ₱0.121 ₱0.121 2025-Aug-06 13 Years ₱1.89 ₱11.56 Billion full details
59
Ayala Corporation Non-Voting Perpetual Preferred A Shares
(Holding Firms)
6.36% ₱158.97 ₱39.74 2026-Feb-11 3 Years ₱2,498.00 ₱13.10 Billion full details
List Resumes After Advertisment
60
Philippine Business Bank, Inc., A Savings Bank
(Banks)
6.31% ₱0.450 ₱0.450 2025-Jul-10 3 Years ₱7.13 ₱5.84 Billion full details
61
San Miguel Corporation Series "2" Preferred Shares - Subseries "2-I"
(Holding Firms)
6.31% ₱4.75 ₱1.19 2026-Mar-19 3 Years ₱75.25 ₱12.74 Billion full details
62
RL Commercial REIT, Inc.
(Property)
6.19% ₱0.427 ₱0.111 2026-Feb-19 5 Years ₱6.90 ₱108.43 Billion full details
63
Globe Telecom, Inc.
(Telecommunications)
6.13% ₱100.00 ₱25.00 2026-Feb-16 23 Years ₱1,630.00 ₱235.34 Billion full details
64
Shang Properties, Inc.
(Property)
6.12% ₱0.211 ₱0.119 2026-Apr-01 28 Years ₱3.45 ₱16.44 Billion full details
65
AREIT, Inc.
(Property)
6.10% ₱2.41 ₱0.620 2026-Mar-04 6 Years ₱39.50 ₱126.79 Billion full details
66
Ayala Corporation Class "B" Series 3 Preferred Shares
(Holding Firms)
6.05% ₱121.08 ₱30.27 2026-Mar-30 1 Year ₱2,000.00 ₱15.00 Billion full details
67
City & Land Developers, Incorporated
(Property)
6.00% ₱0.0300 ₱0.0300 2025-May-26 21 Years ₱0.500 ₱789.27 Million full details
68
Ginebra San Miguel, Inc.
(Food, Beverage & Tobacco)
5.99% ₱16.00 ₱4.00 2026-Mar-19 7 Years ₱267.20 ₱76.51 Billion full details
69
Raslag Corp.
(Elec., Energy, Power & Water)
5.95% ₱0.0500 ₱0.0500 2025-Nov-27 3 Years ₱0.840 ₱1.26 Billion full details
70
Crown Asia Chemicals Corporation
(Chemicals)
5.95% ₱0.100 ₱0.100 2026-Mar-24 10 Years ₱1.68 ₱1.03 Billion full details
71
Philippine Bank of Communications
(Banks)
5.90% ₱1.00 ₱1.00 2025-Jul-08 1 Year ₱16.94 ₱8.14 Billion full details
72
San Miguel Food and Beverage, Inc.
(Food, Beverage & Tobacco)
5.87% ₱3.05 ₱0.500 2026-Feb-19 15 Years ₱52.00 ₱307.28 Billion full details
73
Max`s Group, Inc.
(Food, Beverage & Tobacco)
5.83% ₱0.123 ₱0.123 2026-Apr-08 3 Years ₱2.10 ₱2.18 Billion full details
74
D&L Industries, Inc.
(Food, Beverage & Tobacco)
5.76% ₱0.213 ₱0.213 2025-Jun-17 13 Years ₱3.70 ₱26.43 Billion full details
75
Citicore Energy REIT Corp.
(Property)
5.69% ₱0.202 ₱0.0560 2026-Apr-23 4 Years ₱3.55 ₱23.24 Billion full details
76
Wilcon Depot, Inc.
(Retail)
5.63% ₱0.360 ₱0.400 2026-Apr-16 8 Years ₱6.40 ₱26.24 Billion full details
77
Cosco Capital, Inc.
(Holding Firms)
5.58% ₱0.396 ₱0.133 2026-Aug-19 5 Years ₱7.10 ₱50.20 Billion full details
78
The Keepers Holdings, Inc.
(Food, Beverage & Tobacco)
5.45% ₱0.120 ₱0.120 2026-Apr-16 4 Years ₱2.20 ₱31.92 Billion full details
79
Maynilad Water Services, Inc.
(Elec., Energy, Power & Water)
5.38% ₱1.14 ₱1.14 2026-Mar-06 0 Year ₱21.20 ₱159.99 Billion full details
80
Philippine Savings Bank
(Banks)
5.26% ₱3.00 ₱0.750 2026-Jan-29 24 Years ₱57.00 ₱24.33 Billion full details
81
Asian Terminals, Inc.
(Transportation Services)
5.19% ₱1.51 ₱1.51 2025-May-22 26 Years ₱29.00 ₱58.00 Billion full details
82
East West Banking Corporation
(Banks)
5.11% ₱0.680 ₱0.680 2025-May-09 4 Years ₱13.32 ₱29.97 Billion full details
83
Petron Corporation
(Elec., Energy, Power & Water)
5.10% ₱0.150 ₱0.150 2026-Mar-17 3 Years ₱2.94 ₱27.56 Billion full details
84
GT Capital Holdings, Inc. Non-Voting Perpetual Preferred Shares Series "B"
(Holding Firms)
5.09% ₱50.95 ₱12.74 2026-Oct-02 2 Years ₱1,000.00 ₱7.16 Billion full details
85
Aboitiz Power Corporation
(Elec., Energy, Power & Water)
5.04% ₱2.28 ₱2.28 2026-Mar-18 18 Years ₱45.20 ₱325.70 Billion full details

This is a raw list of high-yield dividend stocks in the Philippine Stock Exchange, ranked by dividend percentage. It includes all types of stocks, whether part of a major index or not, without limiting by quality or market classification.

It presents an unfiltered view of the market, allowing investors to explore a broader set of dividend-paying stocks, including those that may offer high yields but come with varying levels of risk or sustainability.

 
High Dividend Yield Investing in PSE

In the Philippine stock market, stocks with dividend offer a practical strategy for generating returns beyond capital appreciation. High dividend yields, especially when sustained by strong earnings and reliable cash flow, can signal financial stability and shareholder-friendly policies. For Filipino investors, whether retail or institutional, this makes them an appealing part of a diversified Philippine stocks portfolio.

However, not all high yields are created equal. Some are driven by short-term price dips or unsustainable payout ratios. That is why this page separates stocks into curated quality picks and a full, unfiltered list. This approach helps users balance opportunity with risk awareness and plan their investments around the schedule of expected dividends

By combining strategic selection and raw data, this resource supports both seasoned investors and those starting to build a dividend-focused approach within the Philippine stock market.


Disclaimer:
This content does not constitute an offer, solicitation, or recommendation to buy or sell any securities. Dividend yield data for Philippine stocks is aggregated from official corporate disclosures and PSE records on a best-effort basis. While we strive to ensure accuracy, yields are subject to change due to market events. High-yield dividend stocks carry inherent risks, including potential capital loss. Verify critical information with your broker or official filings, and consider consulting a licensed financial advisor before making any investment decisions.