Financial Coaching for Expats

Retire Before Sixty.
On Your Terms.

You earn well. You save. You invest. But you have never had a clear answer to the one question that matters: is it going to be enough?

Apply for Coaching

Only 4 spots each month.

The Missing Piece

You Are Doing All
The Right Things.
So Why Does It
Still Feel Uncertain?

You do not have a clear picture of where you are headed. You earn well, you save, you invest. But if someone asked you, "Are you on track to retire before 60?" you would not have a confident answer. That is the first gap.

Your money is spread across different countries, currencies, and accounts with no structure holding it together. Savings here, insurance there, an investment you started years ago that you have not looked at since. Nothing connects. That is the second gap.

And the investments you do have? You are not sure they are right. You followed advice, bought products, or picked funds, but you have never had someone sit with you and say, "Here is whether this is actually working for your goals." That is the third gap.

What is missing is not more effort. It is one plan that ties everything together.

The Program

What You Walk Away
With After 90 Days

A Plan You Trust

A clear retirement blueprint built around your goals. Not a template. Not a guess. A framework you actually trust.

Money On Autopilot

Every account, policy, and investment mapped out and organized into one system so you can see the full picture and make informed decisions.

Wealth That Works

A simple, evidence-based investment approach that fits your goals, your risk profile, and your timeline. No product sales. No commissions. Just confidence.

Jay Adrian Tolentino — Financial Coach, Dubai

Why Me

I Know What It Feels
Like To Earn Well
And Still Feel Lost.

When I first arrived in Dubai, I thought earning more would solve everything. Instead, I got scammed, bought products I did not need, and put money into investments that did not fit my situation. No one told me they were wrong for my goals.

Those mistakes cost me years. Years I could have spent building toward retirement instead of recovering from bad decisions.

That experience is why I do this work today.

I do not sell financial products or earn commissions. Ever. My only job is to give you honest, unbiased guidance so you can make your own informed decisions.

I am a UAE SCA Registered Financial Influencer (#79) and a certified financial educator and planner.

Award in Financial Planning, Chartered Insurance Institute (CII)
Award in Investment Planning, Chartered Insurance Institute (CII)
Certified Financial Education Instructor (CFEI), NFEC
Registered Financial Planner (RFP)
SCA Registered Financial Influencer (UAE)

Getting Started

Your Next
Three Steps

The process is simple. No obligation until you decide it is right for you.

01
Step 01
Apply for Coaching

Fill out a short application so I can understand your situation and what you are working toward.

02
Step 02
Is It the Right Fit?

We get on a 45-minute call. If coaching is not the right move for you, I will tell you.

03
Step 03
Build Your Blueprint

We lock in your start date and build your retirement plan over 90 days.

Apply for Coaching

Client Results

What My
Clients Say

"Kuya Jay really went into the nitty gritty of my finances. He took a structured, numbers-based approach which was new to me but I appreciated his process of helping me make informed decisions."

Bianca G., Singapore

"As a CPA and longtime follower of financial gurus, I still felt lost until I found Jay's coaching. We now practice intentional spending, have reviewed our insurance with fresh eyes, and gained clarity on our investment options. We finally feel confident and in control of our finances."

Ruth S., UAE

"I had a fresh new perspective on how I view money. I learned that the most important factor is putting purpose behind your money."

Alex J., UAE

The Shift

Before.
And After.

Before
  • —You earn well but you do not know if it is enough
  • —Your money is scattered across borders with no structure
  • —You invest but you are not sure it is right
  • —Every decision feels like a guess
After
  • ✓You know exactly where you stand and where you are headed
  • ✓Your money is organized and moves on its own
  • ✓You can see whether your investments support your goals
  • ✓You make decisions with confidence, not doubt

My Promises

Three Promises
I Make To Every Client

01
Privacy

Everything you share stays between us.

02
Unbiased

I do not sell financial products or earn commissions. Ever.

03
7-Day Clarity Guarantee

Complete the pre-work, attend the first session, and if you do not feel clearer about your money within 7 days, I will refund you in full. No questions.

FAQ

Common
Questions

Do you sell insurance, funds, or investments?

No. I do not sell any financial products and I do not earn commissions. My income comes from coaching fees only.

Will you manage my money or open accounts for me?

No. You stay in full control. I teach you how to do it yourself with clear, step-by-step guidance.

How much does it cost?

We discuss pricing on the application call once I understand your situation. There are flexible payment options available.

What if I am not based in the UAE?

Sessions are online. I coach expats globally.

Still Have Questions?

The application call is free. We will go through your situation together and you can ask me anything you want. No commitment required.

Apply for Coaching

Take The First Step

You Have Worked Hard
For Your Money.
It Is Time Your Money
Worked For You.

Apply for Coaching

Only 4 spots each month. No product sales. Ever.

Not Ready Yet?

Run your numbers first.

No email required.

Enter your age, your savings, and when you want to retire. In under a minute, you will see whether you are on track or if there is a gap to close.

Run Your Numbers