Financial coaching for overseas Filipino professionals

Get on track to retire before 60.
In 90 days.

You earn well and you save. What you've never had is one plan that tells you whether it's enough, and what to change if it isn't.

Apply for Coaching

4 spots a month. No product sales, no commissions, ever.

The Missing Piece

Doing everything right,
and still not sure
it's enough.

If someone asked whether you're on track to retire before 60, you couldn't answer with confidence. Not because you haven't saved. Because nobody has put your numbers in one place and shown you the finish line.

Your money sits across different countries, currencies and accounts, and none of it connects. Savings here, insurance there, an investment you opened years ago and haven't looked at since. Money leaks in the gaps.

You followed the advice and bought the products, and nobody has sat with you and told you whether any of it fits your goals. So the date keeps sliding.

What's missing isn't more effort. It's one plan that ties it together.

Start here

Find out if you're on track.

It takes 60 seconds

Put in your age, what you've saved, and the year you want to stop working. You'll see the gap, or you'll see you're fine. Either way you'll know where you stand.

Run my numbers

Free, and no email needed.

The Program

What you walk away
with after 90 days

Ninety days from your start date you'll have your retirement roadmap, your money organized into one system, and a portfolio that fits your goals. Plus the review rhythm that keeps it on track after I'm gone.

A Plan You Trust

A clear retirement roadmap built around your goals. Your number, your timeline, and the path to get there. That is clarity.

Money On Autopilot

Every account, policy, and investment organized into one system that runs without willpower, so your money stops leaking and starts working. That is control.

Wealth That Works

A framework for building a diversified, evidence-based portfolio that fits your goals, your risk profile, and your timeline, and that you can manage yourself. No product sales. No commissions. That is confidence.

Jay Adrian Tolentino, Financial Coach, Dubai

Why Me

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

I moved to Dubai in 2015 thinking earning more would solve everything. Instead I got scammed on a gold investment, bought products I didn't need, and put money into investments that didn't fit my situation. No one told me they were wrong for my goals.

It took me years to undo that. Years I could have spent building toward retirement instead of digging out.

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'm a UAE SCA Registered Financial Influencer (#79) and a certified financial educator.

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)

Learn more about me →

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 and go through your situation. If coaching isn't the right move for you, I'll say so and we'll leave it there.

03
Step 03
Build Your Blueprint

We lock in your start date and build your plan across about six sessions over 90 days, then set the review rhythm that keeps you on track.

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
Money Leak Guarantee

If we get to the end of Milestone 2 and you don't agree we found a money leak, I refund everything you've paid. No argument.

FAQ

Common
Questions

How much does it cost?

It's a set price, not a quote, and there are monthly payment options. I walk you through the numbers on the application call once I understand what you actually need, and you're not asked to decide on that call.

I already work with a financial advisor. Why would I need this?

If your advisor has already given you a written plan with your retirement number, your target date, and how your portfolio gets you there, you probably don't need me. Most people find they were sold products and never got the plan. I don't sell products, so the plan is the only thing I have to give you.

Do you sell insurance, funds, or investments?

No. I don't sell any financial product and I don't earn commissions. Coaching fees are my only income.

Will you manage my money or open accounts for me?

No. You stay in full control the whole time. I show you how to run it yourself so you're not dependent on me afterwards.

What if I'm not based in the UAE?

Sessions are online and I coach Filipino professionals worldwide. Where you live changes what's possible, so tell me where you are on the application.

What if 90 days isn't enough?

Then we keep going at no extra cost. The program ends when your roadmap is live, your money system is running, and your portfolio is built, not when the calendar says 90 days. That's written into the agreement.

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've worked hard
for your money.
Time it worked
for you.

Apply for Coaching

4 spots a month. The application call is free and there's no commitment.

The newsletter

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