The Problem I Set Out to Solve
Most expats are doing the right things. They earn well, they save, they invest something. But when you ask them whether they are on track to retire before sixty, they cannot give you a confident answer. Not because they are not trying. Because nobody has ever sat down with them and shown them their actual numbers.
That gap is what Free Before Sixty exists to close.
Why I Do This
I started my career in financial services and quickly noticed a pattern. The people who most needed clear, honest financial guidance were often the least well-served by the industry. Products were sold under the banner of advice. Commissions shaped recommendations. The client's actual retirement outcome was rarely the starting point.
I decided to do it differently. No products. No commissions. No hidden agenda. Just coaching built entirely around your goals, your numbers, and your life.
I have since been recognised by the UAE Securities and Commodities Authority as a Registered Financial Influencer (#79), been featured in Gulf News, The National, Dubai Eye 103.8, and Esquire, and built a coaching practice that takes on a maximum of four clients per month so that every engagement gets the depth it deserves.
What I Actually Do
I work with expats: professionals, families, and couples living and working abroad who want to retire before sixty and need a clear, structured plan to get there.
Over 180 days, we build that plan together. We look at where you are today, define what retirement actually looks like for you, structure your investments for your specific goals, and give you the framework to make confident financial decisions for the rest of your life.
I do not sell you anything. I am paid only for my time and expertise. That is how it should work.
Credentials and Registration
Jay Adrian Tolentino is a financial coach and educator. He is registered with the UAE Securities and Commodities Authority as a Financial Influencer (#79). He is not a licensed financial advisor, portfolio manager, stockbroker, or insurance agent in any jurisdiction. All coaching and content is educational in nature. Clients are always encouraged to work with licensed professionals in their specific jurisdiction for regulated financial advice.
Free Before Sixty Coaching FZE LLC is registered in the Sharjah Publishing City Free Zone, United Arab Emirates (License No. 4426245.01).