Hosana T. Cupido, RN, AFP®, is a registered nurse, Marketing Director at International Marketing Group (IMG), and Associate Financial Planner. Cupido’s financial journey was shaped by the experience of being abroad as a student and needing to find extra money just to complete fare expenses, a moment that highlighted the importance of discipline, saving, and careful money management.
Cupido’s financial mindset deepened during the pandemic, reinforcing the need for financial literacy, protection, savings, investing, and long-term preparation. Through IMG and the AFP® program, Cupido continues to build financial independence while helping others make informed financial decisions, manage risks, and develop stronger financial foundations.
AFP® Certification Story
Early Money Lesson from Studying Abroad
“When I was abroad as a student, there were times when I had to look for extra money just to complete my fare. That experience shaped me to become more disciplined in saving and managing my finances. It taught me that I don’t want to live from one financial emergency to another. I want to become financially independent, prepared, and able to help others as well.”
Learning the Right Way to Save and Invest
“Saving and investing the right way. I learned at least basic financial concepts.”
Financial Turning Point During the Pandemic
“Yes. Pandemic time.”
Becoming an Investor
“Investor.”
Best Financial Advice from IMG
“Basic financial concepts from IMG.”
Meticulous Approach to Budgeting and Financial Planning
“Meticulous.”
Investment Lesson from Not Applying What Was Learned
“Yes. I learned that I did not apply what I learned.”
Balancing Risk and Reward Through Informed Decisions
“I balance risk and reward by making informed financial decisions, not emotional ones. I consider my goals, budget, and ability to handle the possible risks before investing or making a financial commitment. IMG taught me the importance of financial literacy, proper protection, savings, and investing. I believe that taking calculated risks, while having a solid financial foundation, can help me achieve financial independence.”
Current Goal of Financial Independence
“My current money goal is to build enough savings and investments to become financially independent. I want to create a strong financial foundation, prepare for emergencies, and eventually have enough passive income so I won’t have to worry about basic needs or depend on others financially.”
Motivation for Joining the AFP® Program
“I joined the AFP program to improve my financial knowledge, gain confidence, and become financially independent. It also inspired me to help other people through what I learn and apply.”
Better Investment and Wealth-Building Decisions Through AFP®
“Becoming an AFP helped me understand how to make informed investment decisions, manage risks, and build wealth with clear financial goals. It also gave me more confidence to plan my finances and help others do the same.”
Most Valuable Lesson from the AFP® Program
“The most valuable lesson I learned is to save, invest, and plan ahead. I applied it by becoming more disciplined with my finances, setting clear goals, and working toward financial independence while helping others through what I’ve learned.”