Educational Purpose Only
The information provided on this website, in coaching sessions, during workshops, and through the Financial Roadmap is for educational and informational purposes only. The Financial Roadmap is a custom, tailored tool designed to help clients better understand their financial situation, align their goals, and explore potential strategies. However, it is not a legally binding financial plan, nor does it constitute financial, investment, legal, or tax advice.
Non-Licensed Advisory
Jay Adrian Tolentino is NOT a licensed financial advisor, portfolio manager, insurance broker, tax consultant, or legal professional in the United Arab Emirates (UAE) or any other jurisdiction. My services focus on education and guidance to empower clients to make informed financial decisions. The Financial Roadmap and other 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.
Scope of the Financial Roadmap
The Financial Roadmap is tailored to your specific situation based on the information you provide. While it offers customized guidance, it is not a formal financial plan or regulatory-compliant document. It is intended to educate and provide clarity, not to prescribe specific actions or make investment or insurance recommendations. Clients are encouraged to independently evaluate the strategies outlined in the Roadmap and consult licensed professionals before implementing them.
Mentions of Specific Investments or Insurance Products
From time to time, the Financial Roadmap or other materials may reference specific products, such as ETFs (e.g., Vanguard LifeStrategy Fund) or insurance options (e.g., term life insurance). These mentions are provided for educational purposes and based on my personal experience. They are not endorsements, recommendations, or assurances of suitability for your specific needs. Clients must conduct their own research and consult with licensed financial or insurance professionals before making decisions.
Preference for Term Life Insurance
I may express a preference for term life insurance over whole life insurance due to its affordability and focus on protection. This opinion is based on my personal perspective and is not a substitute for an evaluation by a licensed insurance broker. Clients should consult with licensed professionals to determine the most appropriate insurance product for their needs.
No Specific Recommendations
While the Financial Roadmap is customized and may include general strategies for achieving financial goals, it does not provide specific investment recommendations, sell financial products, or guarantee the suitability of any financial options. Clients should seek personalized 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. Similarly, 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
The Financial Roadmap and other 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 provided by you at the time of preparation. I cannot verify the accuracy or completeness of this information and am not responsible for errors or omissions resulting from incomplete or inaccurate data. Financial markets, regulations, and tools evolve, and the Roadmap may not reflect the latest developments.
Tax Advice Disclaimer
I do not provide tax advice. Clients should consult a qualified tax professional to understand the tax implications of the strategies included in the Financial Roadmap or discussed during coaching sessions, particularly in the context of UAE and international tax laws.
Data Protection and Confidentiality
I am committed to protecting your privacy. All personal information shared during coaching sessions, workshops, or through the preparation of the Financial Roadmap is treated with strict confidentiality and will not be disclosed to third parties without your explicit consent, except as required by UAE law.
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, and the Financial Roadmap—are the intellectual property of [Your Name/Company]. They may not be reproduced, distributed, or shared without prior written consent.
Payment and Refund Policy
Payments for coaching sessions, workshops, or other services must be made in advance unless otherwise stated. Refunds will only be issued according to the terms outlined in the payment agreement provided at the time of booking.
Limitation of Liability
By using this website or engaging in my services, you acknowledge that all financial and insurance decisions are your responsibility. I am 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 my services or materials will be resolved through mediation or arbitration in accordance with UAE laws. By engaging in my services, you agree that the courts of the United Arab Emirates will have exclusive jurisdiction over any disputes.
Updates to Disclaimer
This disclaimer is subject to change without prior notice. Please review this page periodically for updates.
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