Agnes Cardona Ruemmele was born on October 6, 1964 in Pavia Hospital located in Santurce, Puerto Rico. She was raised in the small northern town of Trujillo Alto with her parents Rafelio Cardona, Sr. and Myriam Ruemmele and her older brother, Rafelio Cardona, Jr.

Agnes grew up in a family with strong, rooted principles in the good of others. During her childhood, she was taught that strong moral values and staying true to her principles were the most important traits. She grew up respecting those surrounding and guiding her. Together with her family and friends, Agnes enjoyed a happy childhood filled with love and joy.

Agnes graduated from Nstra. Sra. Del Carmen high school in 1982. During the 13 years she spent there, she earned the respect and admiration of her teachers and fellow classmates due to her hard work, determination, faith, good moral judgement, and leadership, character traits that continued to define her during her adulthood and personal growth.

In 1982, Agnes was admitted to Interamerican University, Metro Campus in San Juan. She graduated in 1987 obtaining a Bachelors of Arts degree in Accounting. Once she completed her undergraduate studies, she had the opportunity to work with a well-renown insurance company, PRAICO.