IMG members.
The Wealth Academy is included with IMG Preferred Membership. If you are a member, the program is free.
6 Modules · Free for members · Cebu + Online
Wealth Academy Program.
IMG's six-module financial literacy curriculum. You do not leave with products — you leave understanding money.
What this is
Where IMG teaches the 6-Step Financial Foundation in full.
The Wealth Academy is the flagship curriculum that has been taught to IMG members for twenty years. Six sessions. The same framework. When you finish, you are your own financial expert — the thing most people pay an advisor to be.
Who this is for
You do not need to know anything to start.
Working adults who want to understand money.
If you have been told what to do but never why, this is the "why." Six modules, in order, no skipped steps.
OFWs managing family finances.
Online cohorts are built for your time zone. Same curriculum. Same instructor. Wherever you are.
Anyone who has been sold to, not taught.
If you have walked out of an advisor meeting holding a brochure you did not fully understand, the Academy is the un-learning.
What you will know at the end
Four skills that stay with you.
Read a financial product.
Understand what an HMO, a term life policy, a whole-life policy, and a mutual fund actually are. What each one covers. What each one does not.
Run the arithmetic yourself.
The Rule of 72. Compound interest. Emergency fund math. The X-Curve. Whatever an advisor calculates, you can calculate faster — and check their work.
Order your priorities.
The 6-step order that works: cash flow, protection, debt, emergency fund, investment. Why starting with investments destroys people — and what to do instead.
Ask better questions.
Of an advisor. Of an insurance agent. Of yourself. The questions that separate a productive financial conversation from a sales pitch.
The curriculum
Six modules. One framework. Same order.
The modules map exactly to the 6-Step Financial Foundation. You complete them in order — because the order is the point.
01
Cash Flow
Where your money goes, and why it leaves faster than it arrives. The discipline everything else depends on.
02
Health Protection
PhilHealth vs Kaiser HMO. What "coverage" actually means. Why long-term care is a separate decision from short-term HMO.
03
Income Protection
Life insurance as income replacement, not as a bet. Term vs whole life. When each applies, and when neither does.
04
Debt Elimination
How debt eats compound interest from the wrong side. Which debts to attack first. When debt is a tool and when it is a leak.
05
Emergency Fund
Three to six months of income in cash. Why investing before this step destroys people. What counts as an emergency and what does not.
06
Long-Term Investment
Mutual funds, stocks, compound interest, and the Rule of 72. Why trading is not investing — and why decades beat months every time.
Free previews
See how Erlwin teaches, before you enroll.
Three short clips from the Wealth Academy. No sign-up, no gate. Watch five minutes and you will know whether the teaching style fits.
Your instructor
Erlwin S. Abanggan.
Erlwin S. Abanggan
IMG Executive Marketing Director. Trainer of trainers. Twenty years walking the same path he teaches. Based at JY Square Mall, Cebu.
Prerequisites and format
What you need, and what you do not.
What you need.
What you do not need.
The program is free for members
Included with IMG Preferred Membership.
The Wealth Academy is a member benefit. One membership. Six modules. Ongoing access to new cohorts. No additional fee for the program itself.
Membership required. Program free thereafter.
Questions
What people ask before enrolling.
How long does the program take?
Six sessions over six weeks.
Where is it held?
JY Square Mall, Cebu — and online for OFWs and members outside Cebu.
Do I need to be a member?
Yes — the Academy is a member benefit. See the membership page for details.
Do I need math skills?
No. Basic arithmetic is enough. Every calculation is taught in plain language.
Is there a certificate?
To be confirmed. Contact us for the current certification status.
Can I repeat a module?
Yes. Members can attend any module again in future cohorts, at no extra cost.
If this is not quite right yet
Two other entry points.
Financial Roadmap Session
Free. 90 minutes. A written roadmap you own. No products discussed. The best first step if you are not sure whether the Academy fits.
IMG Preferred Membership
One membership. Direct access to Kaiser HMO, life insurance, mutual funds, and every partner in the IMG network — at member rates.