Jenny Rose B. Herman, AFP®, is a financial professional and Marketing Director at International Marketing Group (IMG), with experience as a domestic worker since 2018 and caregiving roles with Icon Medical Group and TQUK. Her Associate Financial Planner (AFP®) credential, earned in 2026, reflects her commitment to financial education, disciplined planning, and helping others build stronger financial foundations.
Herman’s financial journey is deeply shaped by her early understanding that money is not easy to earn, a lesson that taught her to budget her baon while she was still studying. Her personal experiences, including her mother’s hospitalization and her background as a domestic worker, strengthened her belief in the importance of healthcare, insurance, emergency funds, and emotional discipline in money management. Through her AFP® journey, she now approaches financial planning with empathy, structure, and a mission to help others break cycles of financial stress.
AFP® Certification Story
Early Money Lesson from Learning to Budget
“My first memory of money was when I was a child, realizing that it is not easy to earn money. That shaped me into learning how to budget my baon while I was studying back then.”
Wishing She Learned Financial Literacy Earlier
“Growing up, I wish I had learned financial literacy earlier.”
Financial Turning Point Through Her Mother’s Hospitalization
“Yes, I have experienced it during tough times when my mother got hospitalized. It made me realize that it is really important to have healthcare, insurance, and savings for an emergency fund that you can use for these kinds of situations.”
Becoming an Investor
“Now, I can consider myself as an investor.”
Best Financial Advice from IMG Mentors
“The best advice I have ever received is from the Big 3 of International Marketing Group: Sir Joen Delas Peñas, Sir Bart Borja, and Sir Noel Arandilla, which is: stop working for money and learn how to let money work for you.”
Meticulous Budgeting and Prioritizing Needs
“I am meticulous, and I make sure that I prioritize my needs over my wants first.”
Investment Lesson from Studying Before Investing
“Yes, I did. I learned that it is not easy to just invest your money without studying first what you are investing for.”
Balancing Risk and Reward Through Goals and Diversification
“I should assess my financial goals, evaluate risk tolerance, and apply diversification.”
Current Goal of Saving for a Big Investment Purchase
“I am currently working toward saving more for a big investment purchase.”
Motivation for Joining the AFP® Program
“Coming from a background as a domestic worker, I spent years working tirelessly inside people’s homes, often placing everyone else’s needs above my own. My primary motivation for joining the AFP program was deeply personal: I wanted to understand why, despite my hard work, I was caught in a cycle of spending too much and struggling to build lasting security.
The program completely transformed my life. The most impactful lesson I walked away with was realizing that overspending isn’t a character flaw—it is often an emotional response to stress and a lack of financial literacy. It taught me the specific skill of emotional and financial self-regulation, transforming how I view every peso.
Today, this has fundamentally shaped my approach to financial planning. I don’t look at clients as just numbers on a spreadsheet; I meet them with deep empathy, zero judgment, and a genuine understanding of the emotional weight behind money. I am now driven to help others break the exact same cycles I escaped.”
Building Financial Freedom Through AFP®
“Becoming an AFP helped me in a lot of ways, not just personally, but most especially in building my financial freedom.”
Most Valuable Lesson from the AFP® Program
“The most valuable lesson I learned from the AFP program is that money is emotional, not just mathematical. Coming from my background as a domestic worker, I realized that my habit of spending too much wasn’t because I lacked discipline, but because I lacked a structured system to cope with financial stress and lack of literacy.
I applied it to my journey through separating my emotions from my expenses, building an automated safety net, and shifting to value-based budgeting.”