Marjorie M. Delos Santos, AFP®, is a distinguished financial leader whose journey from Overseas Filipino Worker to Executive Vice Chairman at International Marketing Group (IMG) reflects a profound transformation in how she views and manages money. Her Associate Financial Planner (AFP®) designation, earned as a member of Batch 7, Class of 2026, affirms her expertise in guiding individuals and families toward sound financial planning and wealth building. Her earliest memory of money was watching her parents work hard to provide for their family’s needs—a lesson that shaped her appreciation for financial security and intentional spending.
Delos Santos approaches financial planning with discipline, believing that every peso should have a purpose. Guided by her mentors’ advice to “pay yourself first,” she prioritizes savings, long-term healthcare, and investments to support her dreams and goals. Through her AFP® credential and leadership at IMG, she exemplifies a dedicated, disciplined, and client-centered financial professional committed to empowering others to achieve financial security, independence, and lasting wealth.
AFP® Certification Story
Investment Lessons and Risk Management
Have you ever made an investment that did not go as planned? What did you learn from it?
“Yes, I have experienced investments that did not perform as I initially expected. While it was disappointing at first, it became one of my most valuable financial lessons. I learned the importance of understanding where my money is going, diversifying my investments, and making decisions based on facts rather than emotions.”
How do you balance risk and reward when making financial decisions?
“I balance risk and reward by making sure every decision aligns with my goals and values. I don’t chase quick profits or get easily influenced by trends. Instead, I focus on understanding the risks, doing my research, and thinking long-term.”
What is a money goal you are currently working toward?
“Right now, my main money goal is to build long-term financial security through consistent investing and income protection. I want to reach a point where my money is actively working for me, creating stability not only for my present needs but also for my future and my family’s future.”
AFP® Program and Financial Growth
What motivated you to join the AFP program, and how did it influence your approach to financial planning?
“It was my desire to deepen my understanding of financial planning and to become more effective in managing my own finances while helping others do the same. The program gave me a more structured and professional approach to financial planning. It helped me realize that financial decisions should not be random or emotional, but guided by proper analysis, goals, and strategy.”
How has becoming an AFP® helped you make better investment and wealth-building decisions?
“Becoming an AFP® helped me become more disciplined in following a financial plan. Instead of guessing or following trends, I now rely on knowledge, structure, and strategy when making financial decisions.”
What is the most valuable lesson you learned from the AFP program, and how have you applied it in your own financial journey?
“The most valuable lesson I learned from the AFP Program is that financial planning is not about money—it is about achieving life goals and protecting what matters most. I have applied this lesson by becoming more intentional with my finances. I prioritize saving, protecting my income, and investing consistently. The AFP program inspired me to share financial education with others because I believe that when people understand how money works, they can make better decisions and build a better future for themselves and their loved ones.”