Daryl P. Lim, AFP®, is a government employee, Administrative Officer IV, and IMG Senior Marketing Director whose financial journey began with childhood memories of receiving money as gifts from godparents every Christmas. Over time, this simple experience grew into a deeper understanding that proper financial handling is essential, especially when unexpected situations arise.
Lim’s financial turning point came when an emergency forced the family to take out a loan because there was no emergency fund, resulting in a five-year monthly payment obligation. This experience strengthened his appreciation for financial planning, emergency preparation, diversification, and building a solid financial foundation. Through his AFP® journey, he continues to apply financial education not only for his own growth but also to help young professionals manage their finances more responsibly.
AFP® Certification Story
Early Money Memory from Christmas Gifts
“As a gift from my godparents every Christmas.”
Learning the Importance of Proper Financial Handling
“Proper financial handling is very important.”
Financial Turning Point Through an Emergency Loan
“Yes! When an emergency happened, we needed money but we did not have an emergency fund. We were forced to get a loan, and we needed to pay it in five years through monthly installments.”
Becoming More of an Investor
“As of now, I am more of an investor already.”
Best Financial Advice from Bro. Bo Sanchez
“We need to build a solid financial foundation, from Bro. Bo Sanchez.”
From Going With the Flow to Becoming More Meticulous
“Before, I went with the flow, but now I am more meticulous.”
Investment Lessons on Learning and Diversifying
“Yes. Never give up, learn from mistakes, invest again, and diversify.”
Balancing Risk and Reward Through Diversification
“By diversification through short-term and long-term investments.”
Current Goal of Zero Debt and Stronger Investments
“Zero debt, more mutual fund investment, and building a solid financial foundation.”
Motivation for Joining the AFP® Program
“To help other young professionals with proper financial management.”
Applying Training to Make Better Wealth-Building Decisions
“By applying what I have learned from trainings.”
Most Valuable Lesson from the AFP® Program
“Financial planning is very vital in our life to make life more meaningful.”