A note from Jay, 2026

Enrollment Is
Currently Closed.

I'm going to work with a handful of Overseas Filipinos to create an Early Retirement Blueprint in 2026. Spots are limited. The waitlist gets first access when applications open.

Only 4 new clients per month.

Our goal is simple: retire before 60 with clarity, control, and confidence.

Not guessing if your money is enough. Not scattered across 15 accounts with no plan. Knowing you can stop working when you choose to. Not when you're forced to.

↘ Here's What We're Doing

I've helped dozens of OFWs earning $5K+ per month organize their finances, build global investment strategies, and create clear retirement roadmaps.

Clients like Ruth, who finally understood her full financial picture after years of confusion
Jefferson, who built a debt payoff plan and investment strategy in his first few months
Bianca, who's now on track to retire at 55 instead of 65

Over the last 5 years, I've helped them gain the clarity and confidence to grow their wealth with simple, low-cost, globally diversified strategies. And most importantly: peace of mind.

And in 2026, it could be your turn.

I've got a great reputation because I only take on clients I know I can help. I work with just 4 new clients a month, so I'm looking for the right fit here.

Is This Right For You?

This won't work for you if you…

  • Are just starting out, or rebuilding your emergency fund from scratch
  • Think you can retire early without changing anything about how you handle money today
  • Have worked with 3 other coaches and "they" were always the problem
  • Want someone to manage your money for you, or sell you financial products

But if you…

  • Earn $5K+ per month and already save or invest, but your money feels disorganized
  • Want a clear, written, numbers-based plan, not generic advice or product pitches
  • Are ready to implement, not just learn theory
  • Know that you are the one who will take action and get the results
  • Want to retire before 60 with options: come home early, stay abroad, or choose how you live

…This could be the year things get clear.

The Plan

The Early Retirement Blueprint is a 6-month private coaching program built around three phases. We move at your pace, one session per month. If you want to move faster, you have the option to meet twice a month and complete the full program in three months.

Phase 01

Clarity

Month One

The first month is focused on knowing exactly where you stand and what you need to reach financial freedom.

We start with a 2 to 3 hour deep-dive session to map your full financial picture: income, expenses, assets, debts, across all countries and currencies.

You'll walk away with your "Enough Number," the exact amount you need to retire before 60, and a Financial Roadmap showing where you are and what needs to happen next.

We'll use projection tools to run scenarios: What if you retire at 55 vs 60? What if you move back home vs stay abroad? What if the market drops 30%?

No guessing. Just math.

Phase 02

Control

Months Two & Three

Now that you have clarity, it's time to organize.

Accounts get simplified. We label everything, consolidate where it makes sense, and build a clean structure across currencies.

Cashflow runs on autopilot. Money moves from salary to savings to investments without you lifting a finger.

Then we build your safety nets. Emergency funds, insurance review, protection against the unpredictable.

Phase 2 gets you control. Your money runs itself.

Phase 03

Confidence

Months Four Through Six

Now that your money is organized and automated, you'll learn how to design an investment strategy that fits your goals.

We'll define your risk profile. Not some generic quiz, but a real conversation about your goals, timeline, and what keeps you up at night.

Then we'll look at how globally diversified ETF portfolios work. Simple, low-cost. No individual stocks. No speculation. Just broad, boring, effective diversification. It's what I use. It's what works.

Phase 3 gets you confidence. You'll know your investments are actually pointed at the right target.

How It Works

Once you join, we schedule your 2 to 3 hour deep-dive session and begin building your Financial Roadmap.

Over 6 months, we meet 6 times, once a month, to implement your plan. Between sessions, you have message support for quick questions. If you want to move faster, we meet twice a month and finish in 3 months.

After the program, you have a full blueprint you can run yourself. Or we continue working together if you want ongoing support.

The Guarantee

↘ 7-Day Clarity Guarantee

By the end of the first session, you'll know if this is right for you.

If you complete the pre-work, show up to the first call, and within 7 days you don't feel clearer about your money and next steps than you have in years, email me and I'll refund you in full.

So there's no risk to getting started.

↘ Reserve Your Spot

Join the Waitlist.
Be First in Line.

Leave your details below. When the next enrollment window opens, you'll be the first to know.

Your details go to Jay directly. No spam, ever.

What Happens Next

01

You join the waitlist and get a confirmation email.

02

When the next application window opens, you'll be the first to know.

03

You book an application call with me so we can see if it's a good fit. If it's not the right fit, I'll tell you what to work on and point you in the right direction.

Like I said, it's a small group and I'm looking for the right people.

So if you're an OFW or expat who earns $5K+ per month, already saves or invests but feels scattered, is ready to implement a clear plan and not just consume content, and wants to retire before 60 with options and not out of necessity:

Join the waitlist. Let's see if this is a good fit.

Jay Adrian Tolentino Early Retirement Coach

Important: This coaching program provides financial education and guidance. I am not a licensed financial advisor, and no specific investment or insurance recommendations will be made. I don't sell financial products or earn commissions from any provider. My only job is to give you honest, practical guidance that serves your interests. All financial decisions remain your responsibility. I recommend consulting a licensed financial advisor in your jurisdiction for personalized investment or insurance advice.