Karlo Biglang-awa, RFP®, is a distinguished wealth management practitioner whose professional foundation is solidified by his credential as a Registered Financial Planner. This certification validates his expertise in delivering comprehensive, client-centric financial planning and adheres to the highest ethical standards in the field.
His qualifications are further enhanced by specialized licenses as a Certified UITF Sales Professional and a Licensed Insurance Professional, equipping him with a versatile skill set to navigate complex financial products and provide holistic advice across investment and protection planning.
With over 12 years of industry experience, Karlo has developed deep expertise across the financial services spectrum, including multi-asset investing, digital banking, and insurtech. His career reflects a successful transition from internal auditing in real estate to becoming a recognized leader in financial advisory, where he has consistently earned Top Financial Advisor awards.
His influence extends beyond client service as a recognized speaker on financial literacy and a two-time honoree as one of the Top 100 Filipinos on LinkedIn, underscoring his role as a trusted authority and educator committed to advancing financial wellness.
Motivation to join the RFP® program and its influence on planning
“When I entered the financial advisory industry, I realized very quickly that true wealth management requires a holistic approach. It’s not just about knowing the products of the company you represent, it’s about understanding the full financial picture of each client. That’s what pushed me to take the RFP® program. I wanted to become more equipped, more strategic, and more client-centered. RFP® helped me move from a product-driven mindset to a planning-driven mindset, allowing me to serve clients with depth, clarity, and genuine care.”
RFP’s impact on investment and wealth-building decisions
“RFP® taught me that financial planning must be anchored in principles and frameworks. Principles guide the mindset and behavior, helping clients understand why they should take action. Frameworks, on the other hand, provide structured, practical strategies across budgeting, saving, income protection, investing, and estate transfer.
This combination allows me to guide clients with a long-term perspective while also giving them realistic, actionable steps. Even in my own financial journey, these principles have helped me navigate markets, automate my investments, and remain disciplined regardless of economic conditions.”
Most valuable lesson from RFP® and personal application
“The most valuable lesson for me is this: start small and stay consistent. In personal finance, small steps don’t seem significant at first, saving a small portion of your income or investing a modest amount may not feel life-changing. But when done consistently, they create long-term impact.
I’ve applied this throughout my career by automating my savings and investments and committing to continuous learning. These small, repeated actions have shaped my financial stability and allowed me to build wealth over time.”
Recommendation of RFP® and how it shapes a financial journey
“Absolutely. For finance professionals, RFP® elevates your practice. It helps you become unbiased, principle-driven, and capable of understanding the full spectrum of wealth management—not just the products you sell. For individuals who simply want to be wiser with their own money, RFP® offers a comprehensive understanding of personal finance.
It gives you the bigger picture, helps you avoid costly mistakes, and equips you with frameworks you can apply immediately in real life. Whether you’re a practitioner or a lifelong learner, the RFP® journey is a powerful investment in your growth.”