Achieve Your Financial Goals

Discover the Power of Organized Finances and Strategic Planning—All in One Place.

    Do you feel lost when it comes to managing your finances?

    Are you worried about the future, unsure how to save for unpredictable events or plan for the predictable ones?Many of us face these challenges, especially living far from home.

    Imagine...

    ...facing a sudden job loss or a medical emergency without any savings.Or, think about reaching retirement age without enough money to enjoy your golden years.Without a clear plan, these scenarios can turn into harsh realities, leaving you and your loved ones in a tough spot.The stress of not being prepared for life's predictable expenses, like rent renewal or your child's education, can add to the burden, making it hard to enjoy life today.

    You're not alone.

    Eight years ago, I stood exactly where you are today – confused, overwhelmed, and making one financial mistake after another.I was a ship lost at sea in the vast ocean of investment options, debt management, and savings strategies.Every decision felt like a gamble, and more often than not, I ended up back at square one.I wasn't just losing money.
    I was also losing hope.    But then, everything changed.

    I discovered a method & developed a tool that turned my financial chaos into a clear, navigable road map.

    This wasn't about quick fixes or overnight success.It was about understanding the core principles of financial wellbeing and applying them with discipline and purpose.Through years of refinement, this system has evolved into the Financial Road Map tool, a way for those seeking clarity in their financial journey.And I've dedicated my life to sharing this knowledge, guiding Overseas Filipinos towards a future of financial freedom and security.

    👋🏽Hey,
    It's Kuya Jay!

    I'm Jay Adrian Tolentino, but you can simply call me "Kuya Jay."I'm a Certified Financial Education Instructor and Financial Coach based in the UAE.My mission is to empower Overseas Filipinos by teaching them how to save, budget, invest, and live life on their own terms through Financial Education and Coaching.

    My journey to financial expertise was paved with challenges, including falling victim to scams, purchasing unnecessary and expensive financial products, losing money due to improper investment strategies, and accumulating debt during my first year as an expat.

    My commitment to Financial Literacy has established me as a trusted authority on money matters. I've had the privilege of sharing my insights with various organizations, companies, and universities.

    In addition to individual coaching, I conduct financial wellness programs for multinational companies in the UAE, helping employees navigate their financial journeys with confidence.

    In 2020, I was honored to speak at the Philippine Congress about a national issue affecting the financial well-being of Filipinos living abroad.Currently, I host the Pera & Purpose Podcast, where I teach people how to use money as a tool to lead a meaningful life.

    certifications

    • National Financial Educators Council - Certified Financial

    • Chartered Insurance Institute (CII) - Award in Financial Planning

    • Chartered Insurance Institute (CII) - Award in Investment Planning

    • Education Instructor℠Registered Financial Planner (RFP)

    • Associate Financial Planner (AFP)

    INtroducing

    Kuya Jay's Financial
    Road Map

    The only tool you need to help you with your finances!

    Gain Clarity

    Unravel the complexities of your finances, setting the stage for a clear and confident journey towards financial independence.

    Simplify Your Finances

    Our tool is designed to guide you through the hierarchy of financial needs, from preparing for unpredictable events to planning for the future. It's straightforward, practical, and tailored to the unique challenges faced by every Filipino.

    Make Informed Decisions

    Through a series of easy-to-follow videos, you'll learn how to use the tool effectively, master the art of smart, personalized financial planning, and craft a roadmap that aligns seamlessly with your goals and lifestyle.

    What Exactly is Kuya Jay's "Financial Road Map"?

    • Not just any Excel sheet, but your personalized finance navigator. This sophisticated tool is a carefully crafted network of interconnected sheets, designed to demystify your financial journey.

    • With the power of time value for money calculations at your fingertips, it enables you to precisely determine what it takes to achieve your financial dreams.

    • Tailored to simplify complex financial planning, our tool guides you step by step, making the path to your goals clear and achievable.

    It can help you
    in three ways

    be clear

    • Understand Your Financial Situation: Get a crystal-clear picture of where you stand today. This insight lays the groundwork for all future planning.

    • Define Your Financial Goals: Set specific, achievable targets. Whether it's buying a home, saving for retirement, or funding education, know exactly what you're aiming for.

    • Discover Your Financial "Why": Uncover the deeper reasons behind your financial aspirations. This understanding fuels your motivation and guides your journey to success.

    prepare for unexpected future expenses

    • Emergency Funds: We'll guide you on the right strategies in setting aside 3 to 6 months’ worth of living expenses, ensuring you have a financial cushion for life's surprises.

    • Comprehensive Protection: Discover the art of safeguarding your income efficiently, ensuring that you're fully covered without draining your wallet. Enjoy the peace of mind that comes from making your hard-earned money work smarter, not harder, for you.