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About Us

Aetos Financial Insurance Agency, Inc. is an insurance agency duly registered by the Securities and Exchange Commission (SEC) and the Bureau of Internal Revenue (BIR). It is authorized to do business by the Insurance Commission (IC). The company was founded in 2018 by Mark Fernandez and is headed by the president Mica Austria Fernandez. Their life’s story as couples who revolutionized the insurance industry by being the most digitally enabled insurance agency was featured in BUSINESS WORLD and SUN STAR news paper.

Mark Fernandez, CPA, RFC, AFA, CWP, CEPP is the founder of Aetos and started as a part-time financial advisor at age 22 in the year 2009. Despite being a Cebuano and having no friends in Manila, he was able to create a system to grow his network and increase his client base which he teaches to his financial advisor recruits who became multi awarded advisors as well.

He is youngest Million Dollar Round Table (MDRT) Member Financial Advisor at age 23 despite having no parents/relatives working at the insurance industry. He is currently an MDRT life member and is a 2022 Top of the Table Member. Because of his length of experience, Aetos has hired, trained, and produced several successful financial advisors from Luzon, Visayas and Mindanao. Mark is also the chairman of the FinancePH Group of Companies where Aetos is one of the companies under the group. Aetos was the Top 1 in terms of FYP in IL’s life insurance agency rankings all over the Philippines in 2021. You may reach him at or visit the Aetos office in Makati or check his website at He is currently completing his Master’s Degree at the Asian Institute of Management (AIM) Makati City.


Mica Fernandez, CPA, CWP, CEPP, GLMP is the President of Aetos Financial. She worked as an external auditor for 3 years at Price Waterhouse Coopers (PwC) (also known as Isla Lipana & Co.). While still working at PwC, she became a part time financial advisor at the age of 22. At age 24, she decided to resign from PwC and went to become a full time financial advisor despite earning only pure commissions and no fixed income. It was a leap of faith because she was still young and financially supports her parents who are in Batangas. Because her leap of faith, she received several awards from GAMA International as financial advisor leader.

She believes in the value of continuous education which is why she always kept herself up to date with the latest in finance to help serve her clients and advisors well. Today, she is now leading a group of dynamic advisors from different age groups and from different parts of the country with the hopes of reaching more Filipinos and helping them achieve financial freedom. She is driven by her personal mission of creating a positive impact in the lives of my advisors and clients. She enjoys mentoring new financial advisors to become multi awarded financial professionals.

*CPA – Certified Public Accountant
*RFC – Registered Financial Consultant
*AFA – Accredited Financial Analyst
*CWP – Certified Wealth Planner
*CEPP – Certified Estate Planner Philippines
*GLMP – Global Leadership Management Professional



All Information provided to us by our clients is strictly confidential in accordance with the code of ethics of financial advisors. We will use the information provided to us to give customized financial advice. We do not share your information with other people except for the purposes it was intended for. If you wish your information to be removed from our database, contact us, and we will do it immediately.
Aetos means Achievers, Enthusiastic, Trustworthy, Outstanding and Smart. We are a multi-awarded team of financial advisors located all over the Philippines. We represent multiple companies and not just one company because we believe clients should have choices to create a complete financial plan that is not focused entirely on just insurance (some clients just want an investment without insurance or need a surety bond, etc.). We have several tools to help us see the complete picture of our client’s financial health to diagnose and provide the right recommendations to our clients.

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