Your life
What does your ideal next chapter actually look like?
RETIREMENT CAN BE A NEW BEGINNING
WHAT IF YOU DIDN’T HAVE TO WAIT UNTIL 67 TO START ENJOYING YOUR LIFE?
What if your next chapter could begin at 40?
- Imagine waking up to sunshine.
- Having breakfast outside.
- Walking along the beach.
- Enjoying a slower morning.
- Travelling whenever you want.
- Spending more time with the people you love.
And knowing that you haven’t retired from life…
You’ve simply chosen a different way to live it.
Welcome to HALIGI.
Helping you discover whether the Philippines could become the home of your next chapter.
YOU’VE WORKED HARD FOR THIS.
You built your career.
You raised your family.
You paid the bills.
You made sacrifices.
You saved for the future.
And somewhere along the way, you were told that the reward comes later.
When you’re 60.
When you’re 65.
When the mortgage is paid.
When everything is finally “sorted”.
But what if later doesn’t have to mean that long?
What if you could start creating a different life at 40?
Or 50?
Or simply when you decide that you’re ready?
The Philippines could offer a completely different rhythm of life — warm weather, beautiful surroundings, vibrant communities, travel opportunities and the freedom to explore a new way of living.
Your future doesn’t have to start someday.
It can start NOW with a decision to explore what’s possible.
ANOTHER WINTER IS COMING.
The days are getting shorter. The temperature is dropping. The heating will go back on. The winter wardrobe comes out. And the cost of keeping a home warm is once again on people’s minds.
At the same time, the cost of everyday life continues to put pressure on household budgets.
UK consumer prices rose 3.1% in the year to August 2026, while average private rents increased by 3.8% over the same period. (Office for National Statistics)
And energy prices remain a particular concern as we head into another winter.
But perhaps the bigger question isn’t:
“How much will next winter cost me?”
Perhaps it’s:
“Do I really want to spend another winter living the same life?”
Imagine replacing dark mornings with sunshine.
Cold evenings with warm ones.
Heating bills with outdoor living.
And weekends spent escaping the weather with a life where the weather is part of the reason you stayed.
You don’t have to make a decision today.
But you can start exploring your options today.
YOU DON’T HAVE TO SAY GOODBYE TO HOME.
Moving your life to another country doesn’t have to mean turning your back on the country you came from.
You can have both.
A home in the Philippines.
And family, friends and connections back home.
You can travel.
You can return.
You can visit family.
You can spend time back in your home country.
And then…
You can return to the Philippines.
The current SRRV programme provides multiple-entry privileges and indefinite stay for qualifying holders, subject to the programme’s current rules. (Philippine Retirement Authority)
So your decision doesn’t have to be:
“Britain OR the Philippines.”
It can be:
“How could I make the best of both?”
That could mean spending more of the year somewhere warm while still returning home when you want to.
It could mean having somewhere to escape to during the coldest months.
It could mean making the Philippines your primary home while maintaining your connections elsewhere.
Freedom doesn’t mean being trapped in one place.
Freedom means having choices.
A different timetable
WHY WAIT UNTIL 67?
We have become accustomed to thinking of retirement as something that happens in our sixties. But life doesn’t have to follow one timetable.
Under the current Philippine Retirement Authority programme, principal SRRV applicants can be 40 years old or above, with different requirements depending on the applicable SRRV option. Philippine Retirement Authority
That means your 40s or 50s could be the beginning of a completely different chapter.
Not necessarily a life of doing nothing.
Quite the opposite. You could…
- Work
- Run a business
- Travel
- Invest
- Explore Asia
- Spend more time with your family
- Pursue interests you’ve postponed
- Enjoy more freedom over your days
Retirement doesn’t have to mean stopping.It can mean choosing.
Life at your own pace
IMAGINE YOUR ORDINARY TUESDAY.
Not your holiday. Not a two-week escape.
Your ordinary Tuesday.
- 01 / MORNING
Wake up to sunlight.
You open the doors. There’s no rush. Coffee outside. A swim. A walk. Breakfast somewhere beautiful.
- 02 / AFTERNOON
Let the day unfold.
Perhaps a few hours of work. Perhaps none. Lunch with friends. An afternoon exploring somewhere new.
- 03 / EVENING
A sunset. Dinner outside.
And tomorrow? You can do something completely different.
This isn’t about escaping your life.It’s about creating a life you don’t constantly need to escape from.
Room for every question
WHAT’S STOPPING YOU?
Perhaps you’ve thought about living abroad for years. But something always gets in the way.
- “What about my visa?”
- “What about healthcare?”
- “Where would I live?”
- “What would it actually cost?”
- “What about my family?”
- “What if I don’t like it?”
- “How would I even begin?”
These are completely reasonable questions.
You don’t need to have all the answers before you start. That’s exactly why HALIGI exists.
We help you understand the possibilities, explore the practicalities and decide whether life in the Philippines could genuinely work for you.
You don’t have to commit to moving.You simply have to be curious enough to explore.
The HALIGI offer
YOUR LIFE. YOUR CHOICES.
YOUR PHILIPPINES.
The HALIGI Retirement Freedom Plan
A personalised roadmap for people considering a new life in the Philippines.
We’ll help you explore:
Your location
City? Beach? Island? Community? Somewhere quieter?
Your home
Rent first? Buy later? Apartment? House?
Your visa
Which current residency options may be relevant to your circumstances?
Your finances
What could your preferred lifestyle look like financially?
Your healthcare
What healthcare and insurance considerations matter to you?
Your family
How could you stay connected to the people and places you love?
Your first 90 days
What would actually happen if you decided to make the move?
No pressure. No pushy sales pitch.Just a clear plan.
Because a decision this important deserves more than a Google search.
The Discovery Call
BEFORE YOU MOVE…
COME AND DISCOVER.
You don’t need to sell your house, pack your entire life into suitcases or make a permanent decision.
Start with a conversation.
A private HALIGI Discovery Call gives you the opportunity to talk through your vision, your concerns and what you would actually like your life to look like.
We’ll explore…
- Where you are now
- Where you’d like to be
- What would need to happen to get you there
Perhaps the Philippines isn’t right for you. Perhaps it is. The first step is simply finding out.
BOOK MY FREE DISCOVERY CALLUse the enquiry form below to request your conversation with Joanna.
THE DISCOVERY TRIP
DON’T JUST DREAM ABOUT IT.
EXPERIENCE IT.
Before you make one of the biggest decisions of your life…
Come and see your potential new life for yourself.
The HALIGI Philippines Discovery Experience is designed for people who want to move beyond internet research and experience the reality of living here.
You’ll explore:
- Different locations
- Potential homes
- Healthcare options
- Restaurants and everyday life
- Leisure and lifestyle
- Local and expatriate communities
- Your potential cost of living
- Your residency pathway
- Travel and connectivity
- What everyday life could actually feel like
Don’t choose your future from a screen.Come and experience it.
ASK ABOUT THE HALIGI DISCOVERY EXPERIENCE
Load the video, then select play. No autoplay.
Philippine scenery - illustrative preview
Official PRA video
YOUR NEXT CHAPTER IS WAITING.
See the Philippines through this video from the Philippine Retirement Authority. Select “Load PRA video” to connect to YouTube, then choose play in the player.
A Welcome Message from Joanna Whittaker
A personal welcome from Joanna Whittaker
I know what it feels like to make the decision to start a new chapter. I moved out of the UK at 51 and chose to build a different kind of life in the Philippines — one with more freedom, sunshine, experiences and time to enjoy the things that truly matter.
Now, through HALIGI, I want to help you explore what is possible for you. From understanding the practicalities to discovering the right location and lifestyle, I can guide you through the journey with genuine first-hand experience.
Because I haven’t just researched this life.I’m living it.
Speak with JoannaFind your rhythm
DIFFERENT SETTINGS FOR DIFFERENT WAYS OF LIVING
A CITY LIFE WITH A DIFFERENCE
Modern. Connected. Vibrant.
And full of possibility.
Manila offers a completely different way to experience city living — from world-class dining, shopping and entertainment to beautiful hotels, wellness, culture and some of Asia’s most exciting destinations right on your doorstep.
Live in the energy of the city. Enjoy the warmth of the Philippines. And make your own rules about what comes next.
Manila isn’t simply somewhere to retire.
It could be somewhere to live differently.
And when you’re ready to slow down…
Beyond the energy of the city, the Philippines offers beautiful beaches, peaceful coastal communities and island living — where life moves at a gentler pace, days stretch a little longer, and your time becomes your own.
Tropical lifestyle
Imagine stepping outside into sunshine instead of another grey morning.
Warm weather, beautiful coastlines, islands to explore and outdoor living can become part of your everyday life — not something you save for two weeks of holiday each year.
More ways to live
Perhaps you want the energy of a modern city.
Perhaps you dream of a quiet beach community.
Perhaps you want both.
In the Philippines, you can explore different locations and lifestyles until you find the setting that feels right for you, your priorities and the life you want to create.
English as an official language
Feel at home from the beginning
English is widely spoken and is an official language alongside Filipino, making everyday conversations, services and building new connections more familiar.
A new country doesn’t have to feel like a completely foreign life.
Healthcare access
Filipino healthcare professionals are renowned worldwide for their warmth, compassion and dedication to caring for others.
With excellent private healthcare options, world-class pioneering medical science and a culture of genuine care, you can feel supported as well as at home.
Your gateway to a bigger life
On your doorstep you have Thailand, Japan, Singapore, Vietnam, Indonesia., Australia and lots more.
The Philippines can become more than your new home - it can become your starting point for discovering a new wold.
Community and culture
Find your people. Build your life.
Moving somewhere new isn’t just about finding a house - it’s about finding like-minded people.
A coffee with friends. Dinner with neighbours. A new hobby. A local community. Someone to call.
Build connections, discover new experiences and create a life that feels like yours.
PLACES TO RETIRE
WHERE COULD YOUR PHILIPPINES LIFE TAKE YOU?
From cool mountain mornings to tropical islands, vibrant cities to peaceful countryside, there is no single way to live in the Philippines. The question is simply: which one feels like you?
Baguio City
Mountain living
Escape the heat and discover a gentler pace among pine-covered mountains, cool mornings and the distinctive charm of Baguio — a refreshing alternative to tropical coastal living.
Clark–Subic
Modern freedom
Enjoy the best of both worlds — modern infrastructure, international connectivity, leisure and everyday convenience, with space to breathe and a more relaxed pace of life.
Cebu City
City life meets island life
Have the energy, restaurants, healthcare and conveniences of a modern city on your doorstep, with beautiful islands, beaches and weekend adventures just beyond it.
Davao City
Space to live well
Discover a greener, spacious city lifestyle where modern conveniences meet nature, open spaces and easy access to the wider beauty of Mindanao.
Palawan
Your island escape
Imagine waking up surrounded by extraordinary natural beauty, turquoise waters and pristine landscapes — with island living becoming part of your everyday life.
Pampanga
A new kind of community
Enjoy a lifestyle where modern amenities, welcoming communities, excellent food and easy access to Clark come together to create a comfortable and connected place to call home. The PRA has specifically highlighted Pampanga and Clark as growing retirement destinations, including accredited retirement facilities in the area.
Retirement program
The Special Resident Retiree’s Visa
The Special Resident Retiree’s Visa (SRRV) is a retirement residence option to explore if you are considering a longer-term move to the Philippines. The category and requirements relevant to you depend on your circumstances and current rules.
Start by understanding the options, then confirm eligibility, any dependent arrangements and the full requirements with the Philippine Retirement Authority (PRA). Requirements can change and should be confirmed before application.
Tell us about your plansHOW IT WORKS
Your journey starts here
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01 — Explore your options
Discover the Philippines, different places to live and the retirement options available to you.
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02 — Tell us about you
Tell us a little about your plans, your lifestyle and what you are looking for.
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03 — Speak with Joanna
Have a personal conversation about your plans and ask the questions that matter to you.
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04 — Understand the requirements
We help you understand the documents, eligibility and practical steps involved.
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05 — Prepare to move
Once you know what you want, we help you prepare for the next steps and connect you with the relevant official process.
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06 — Start your new chapter
Follow the official application process and begin turning your plans for life in the Philippines into reality.
JOANNA WELCOME VIDEO
Video coming soon.
Waiting for Joanna’s welcome video to be supplied.
GUIDANCE WITH A HUMAN TOUCH
Joanna Whittaker
Your personal guide to life in the Philippines
Moving to another country is a big decision. It starts with questions — about where to live, how life will feel, what it will cost, healthcare, visas, family and what your next chapter could really look like.
I’m Joanna Whittaker, and I created HALIGI to help you explore those questions.
I chose the Philippines for my own life, and I understand that making a move like this is about much more than paperwork. It’s about finding the right place, the right lifestyle and a future that feels right for you.
You don’t need to have everything figured out before you get in touch. Tell me what you’re thinking about, what you’re hoping for and what you’re unsure about.
I’ll help you understand your options and take the next step with greater clarity and confidence.
Ready to explore your next chapter?
Let’s talk.FREQUENTLY ASKED QUESTIONS
Everything you need to know before you take the
next step
Do I have to be 50 to apply?
No. The current SRRV programme allows eligible principal applicants from 40 years old, depending on the SRRV category and applicable requirements.
Do I have to be officially retired?
No. You do not necessarily have to have stopped working. Eligibility depends on your age, circumstances and the SRRV category that applies to you.
Can my spouse or children come with me?
Yes. A legally married spouse and unmarried dependent children under 21 may be included, subject to the applicable requirements.
How much money do I need?
The required visa deposit depends on your age, pension status and SRRV category. Current requirements vary between as little as USD 15,000 and up to USD 50,000 for the SRRV Classic.
What does the SRRV cost?
There are application, visa deposit and annual fees, with the amounts depending on your SRRV category and family circumstances.
Can I work or run a business?
The SRRV provides certain work-related privileges, but specific employment or business arrangements may have additional requirements. These should be confirmed for your circumstances.
Can I travel back and forth between the Philippines and my home country?
Yes. The SRRV is a multiple-entry, indefinite-stay visa, allowing holders to travel internationally while maintaining their SRRV status, subject to the applicable rules.
Where should I live?
That depends on the life you want to create. From vibrant cities and cooler mountain areas to coastal communities and islands, the Philippines offers very different lifestyles to explore.
What is the cost of living?
It depends on where you live and the lifestyle you choose. Housing, healthcare, transport, dining and travel can all make a significant difference to your monthly budget.
What about healthcare?
The Philippines has a wide range of public and private healthcare options. When choosing where to live, we recommend considering the quality and accessibility of healthcare in your preferred location.
Can I try life in the Philippines before making a decision?
Absolutely. Spending time in the Philippines before making a long-term commitment can help you experience different locations and decide what feels right for you.
What happens when I contact HALIGI?
You’ll have a personal conversation with Joanna Whittaker about your plans, questions and priorities. There is no obligation to move or apply — it’s simply the first step towards understanding what’s possible.
Your next step
Could you retire in the Philippines?
A few simple questions to help you think about your next chapter. This is not a government application or an eligibility assessment.
- Takes about three minutes
- No obligation
- Explore at your own pace
Your enquiry will be emailed to HALIGI to respond to your questions. Please do not include passport, bank or medical details.
Step 1 of 3
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