Disclaimer

Not a Licensed Financial Advisor

Jay Adrian Tolentino is a UAE SCA Registered Financial Influencer (#79) and the founder of Free Before Sixty Coaching FZE LLC. Jay is not a licensed financial advisor, portfolio manager, insurance broker, tax consultant, or legal professional in the United Arab Emirates or any other jurisdiction.

Our services focus on education and guidance to help clients make informed financial decisions. Our services do not replace advice from licensed professionals regulated by UAE authorities, such as the Securities and Commodities Authority (SCA), the Central Bank of the UAE, or other relevant regulatory bodies.

We do not sell financial products or earn commissions from any provider. Our only income is from coaching and education fees.

Scope of the Financial Roadmap

The Financial Roadmap is tailored to your specific situation based on the information you provide. While it offers customised guidance, it is not a formal financial plan or regulatory-compliant document, not a set of specific investment or insurance recommendations, and is intended to educate and provide clarity, not to prescribe specific actions.

Clients are encouraged to independently evaluate the strategies outlined in the Roadmap and consult licensed professionals before implementing them.

Online Calculators and Tools

Our website may include interactive tools such as the CoastFIRE Calculator. These calculators are designed for educational and illustrative purposes only. They use simplified assumptions and the inputs you provide to generate estimates.

Calculator outputs are not financial projections, guarantees, or personalised financial advice. Actual results will vary based on market conditions, personal circumstances, and factors the calculator may not account for. Do not make financial decisions based solely on calculator results. Consult a licensed financial professional for personalised guidance.

References to Financial Products

From time to time, our materials may reference specific types of financial products, such as ETFs or insurance structures. These references are provided for educational purposes and are based on general principles and personal experience. They are not endorsements, recommendations, or assurances of suitability for your specific needs. You must conduct your own research and consult licensed financial or insurance professionals before making any decisions.

No Specific Investment Recommendations

While the Financial Roadmap and coaching sessions may include general strategies for achieving financial goals, we do not provide specific investment recommendations, sell financial products or receive commissions from any provider, manage portfolios or execute trades, or guarantee the suitability of any financial option for your situation.

Clients should seek personalised advice from licensed professionals to ensure alignment with their unique financial objectives.

Investment and Insurance Risks

All investments carry risks, including market volatility, economic changes, geopolitical events, and potential loss of principal. Insurance decisions depend on individual circumstances and may involve unique risks. Clients should carefully evaluate these risks and consult licensed professionals to ensure their choices align with their financial goals and risk tolerance.

No Guarantees or Warranties

Our services do not guarantee specific financial outcomes or the performance of any strategies, investments, or insurance products. Financial success depends on individual circumstances, market conditions, external factors, and your ability to execute and adapt your financial strategies.

Accuracy of Information

The Financial Roadmap and other materials are based on the information you provide at the time of preparation. We cannot verify the accuracy or completeness of this information and are not responsible for errors or omissions resulting from incomplete or inaccurate data. Financial markets, regulations, and tools change over time. Our materials may not reflect the latest developments.

Tax Disclaimer

We do not provide tax advice. You should consult a qualified tax professional to understand the tax implications of any strategies discussed during coaching, particularly in the context of UAE and international tax laws.

Cross-Border Clients

Jay Adrian Tolentino is not regulated as a financial advisor in any jurisdiction outside the UAE. If you are based outside the UAE, the educational guidance provided through our services does not replace the advice of a licensed financial advisor in your country. We recommend consulting a licensed professional in your jurisdiction to ensure your financial decisions comply with local regulations.

Testimonials and Results

Testimonials featured on this website or in other materials reflect individual experiences and are not guarantees of future results. Outcomes may vary based on personal circumstances, efforts, and market conditions.

Intellectual Property

All materials shared during coaching sessions, workshops, or through this website, including presentations, handouts, calculators, and the Financial Roadmap, are the intellectual property of Free Before Sixty Coaching FZE LLC. They may not be reproduced, distributed, or shared without prior written consent.

Limitation of Liability

By using this website or engaging our services, you acknowledge that all financial and insurance decisions are your responsibility. We are not liable for any direct, indirect, or consequential losses or damages arising from the use or reliance on the Financial Roadmap, coaching sessions, workshops, or any information provided.

Dispute Resolution

Any disputes arising from the use of our services or materials will first be addressed through good-faith mediation. If mediation does not resolve the dispute within 30 days, either party may refer the matter to arbitration in accordance with the rules applicable in the Emirate of Sharjah, United Arab Emirates. By engaging our services, you agree that the courts of the United Arab Emirates will have exclusive jurisdiction over any legal proceedings not resolved through mediation or arbitration.

Seek Professional Advice

Every individual's financial situation is unique. Before implementing any strategies or making significant financial decisions, consult with licensed financial advisors, tax consultants, or insurance brokers to ensure your choices align with your goals, risk tolerance, and applicable laws and regulations.

Updates to This Disclaimer

This disclaimer may be updated from time to time. Where practical, we will note the revised date at the top of this page. Please review this page periodically for changes.

Contact Us

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