Marciana V. Narido, AFP®, is a financial professional whose journey with money is deeply rooted in the lessons she learned from her mother, a widow who worked tirelessly and budgeted every peso to provide for their family. Her Associate Financial Planner (AFP®) designation validates her expertise in guiding individuals and families toward sound financial planning and wealth building. Growing up, she learned that earning is hard but spending is easy, which shaped her appreciation for saving, planning ahead, and avoiding unnecessary debt.
Narido’s financial philosophy is guided by the belief that financial education creates lasting security. Through her AFP® credential and her roles as a Life License Underwriter and Marketing Director, she applies a disciplined, client-centered approach to helping others build financial security, independence, and peace of mind.
AFP® Certification Story
Investment Lessons and Financial Discipline
Have you ever made an investment that did not go as planned? What did you learn from it?
“Yes, I once purchased a condominium out of impulse. That experience taught me that successful investing requires careful planning, research, and patience. I’ve learned to make financial decisions based on long-term goals rather than emotions.”
How do you balance risk and reward when making financial decisions?
“I balance risk and reward by making sure I understand both the potential gains and possible losses before making any financial decision. I avoid making impulsive investments and focus on opportunities that align with my financial goals, risk tolerance, and long-term plans. I also believe in continuously improving my financial education so I can make informed decisions and manage risks wisely.”
What is a money goal you are currently working toward?
“My current financial goals are to build a strong retirement fund and secure my son’s college education. These long-term goals keep me focused on saving, investing, and making wise financial decisions today.”
AFP® Program and Professional Growth
What motivated you to join the AFP program, and how did it influence your approach to financial planning?
“I was motivated to join the AFP because I wanted to deepen my financial knowledge and gain a more structured understanding of personal finance. I realized that financial literacy is not just about earning money—it is about managing, protecting, growing, and transferring wealth effectively. Most importantly, the program strengthened my commitment to helping families make informed financial decisions and build a more secure financial future.”
How has becoming an AFP® helped you make better investment and wealth-building decisions?
“Becoming an Associate Financial Planner (AFP®) has helped me make more informed and disciplined investment and wealth-building decisions.”
What is the most valuable lesson you learned from the AFP program, and how have you applied it in your own financial journey?
“One of the most valuable lessons I learned from the AFP program is that financial planning is not just about growing wealth—it is about helping people achieve their life goals through proper financial strategies. The program also strengthened my understanding of the ethical responsibilities of an AFP, such as putting clients’ interests first, maintaining integrity, practicing professionalism, and providing objective financial advice.”