Real planning journeys, told honestly

Young Professionals & Mentorship

“I knew at this age what I am lacking so what I am looking to have is a mentor—someone who will wholeheartedly invest in helping me grow and teach me how I could build wealth while I'm still in University. I reached out to Josh when I was right up the alley of reading a post about his first seven-digit bank account. Since my goal is to reach the ultimate level of stability, I want to be guided as I start out on my personal finance journey. The whole meeting with coach Josh is very helpful to me for it is exactly what I needed to know to put order into my finances. He inspired me to start being clear with what I want and start winning small steps this year. Having a coach who has the right knowledge and attitude is a must have. I recommend coach Josh very well for those who are entering the era of shining clarity.”

Family Financial Mentoring & Adulting

“With their skills, knowledge, passion and persistence, Josh and Marnie give their very best to inspire, encourage, and educate their families and friends with regard to financial health. The fruits of their hardwork testifies to the credibility of this power couple and their advocacies towards financial freedom which motivates more and more people to take their finances very seriously. I am always looking forward to our financial mentoring sessions. Thanks Josh and Marnie for always being available for random and urgent inquiries, free advices and financial planning tips. Those really help me in my adulting. 🙂 ❤️”

Salary Budgeting & Wealth Protection

“Since I met Joshua in Institute of animal science, I see him na masayahin at very open sa people. Thru him i appreciate things especially the life insurance, na may ganito pa lang service ang pwede kong ma.avail para maprotect ang wealth ko. Thank you Joshua for coaching me on how to budget and allocate my salary the right way 😁❤️💪”

Financial Literacy & Servant Leadership

“Josh and Marnie are good practitioners and examples of financial literacy. What they know they do not hesitate to share it to other people because that is how they want to impact others. They truly showcase a heart of service through servant leadership.”

Young Professionals & Money Management

“I've known Joshua way back as we are the #Jokers of the church (and also pogi's) and having spent the time that we had last week, talking about how to manage my finance and basically how to be better at spending my money really makes me well-informed on what can I do to improve myself. I really recommend Joshua and Marnie as they compliment each other, they helped me understand how important it is to have a knowledge in financing and they can also help you! Their advocacy of helping Filipino's is what I admire the most and is one of the most important things that we need to know 😊”

Salary Allocation & Wealth Protection

“One of the best decisions I've made is to set aside a portion of my salary for life insurance to protect my accumulated wealth and investment. Thanks to Josh for helping me realize the importance of that. He also helped me to achieve that. He is very passionate in helping people to achieve their financial goals. He also has a very good team helping him manage all his clients.”

Future Vision & Financial Planning

“Sir Joshua is not only an excellent financial advisor but also a great person. He really do his best to help you know and realized what you need to do to reach your goals when it comes to your finances. Thank you for helping me understand and have a great vision for my future. Kudos for making the meeting so light, its very friendly.”

Career & Financial Needs Review

“Kung naghahanap ka ng Financial Advisor, reach out to this person. Matutulungan ka talaga n'ya sa kahit anong estado mo ngayon sa career/life mo particularly in your "Financial needs"-also with the status of your spending. When you get a life insurance, they say its a lifetime commitment..so Thumbs up with that. He is very accommodating and approachable..keep that up..At a young age, he is already an expert on his field. Lastly, a big Thank you! You are such a great help to every person you meet. Godbless.”

One-on-One Trust & Honest Guidance

“It's rare to have a friend and a financial advisor in one whom you can fully trust in terms of finances. I've seen people around me getting package deals (you name it) from their friends without even explaining what they are really signing up for. I've learned in this aspect that "being a friend" isn't enough -- and that's what differentiate Joshua Valdez among them. He has answered all my questions with all honesty when I used to have a little knowledge about insurances. And I've witnessed how he values his clients and treating them not just mere clients but like a family who gives out his best especially in financial management. He also values TIME so much that he is willing to set a time to coach you one on one, which I highly admire about him.”

Wealth Protection & Growth

“Sobrang natulungan ako ni Sir Joshua kung pano ayusin ang finances ko, mula sa pag protekta ng akin kayamanan hanggang sa kung pano ito palaguin. Kung nag hahanap kayo ng advisor/planner ng inyong pera, he is the right guy for the job.”

Expense Tracking & Financial Journey

“I made the right choice! I directly messaged Joshua if he can be my financial advisor because I know he has a genuine intention to help people in their financial journey. Also, I learned a lot from our meeting. I will definitely track my expenses from now on. Hehe”

Financial Literacy & Organizing Finances

“I don't know Joshua personally but thank God for letting me know him virtually. He is a legit financial advisor who is professional and passionate in educating people regarding financial literacy & management. I appreciate him for making time and for doing his best to know his clients, (even if I'm not yet one) to tailor fit their needs. He is easy and fun to talk to. He listens and also answers questions in detail. He's such a big help for me, since im troubled in organizing & handling my finances properly. Thank you Joshua! 🙂”

Clear Insurance Perspective & Credibility

“Joshua Valdez is a very accommodating and credible advisor. His explanation about the policies and other information about the insurance is very detailed and enlightening. He provides clear perspectives of the product at hand which results to good decision making for the client. I highly recommend his capabilities as a financial advisor/consultant to future clients. 👍”

Debt-Free Future & Trusted Mentorship

“I'm very grateful for our meeting. Being unsure of my current financial situation, my meeting with Kuya Joshua helped me determine the holes and errors of my current practice of handling my finances. He made me realize the importance of the path my money is going to. While talking to him, you'll feel that he is very trustworthy of your financial matters. He also is very passionate about helping me achieve my financial goals. He introduced himself as a financial advisor but during our meeting, I saw him as an older brother and a friend who's willing to provide achievable solutions for me to attain a future that is financially secure and free of debts. 😌✨”

Values-Based Planning & Authentic Guidance

“Joshua has helped me start planning for my future not only by discussing financial concepts, but also by asking me key questions about my dreams, motivations, and inspirations. I'm not even one of his official clients but he still makes time for my questions and doesn't give vague answers. He really takes the time to get to know you and thinks of ways to help you. Knowledgeable and passionate, he is definitely someone I would recommend to anyone who is just starting out, is a bit lost, or even someone who just needs a little push!”

Financial Wellness & Root-Cause Diagnosis

“I daresay Joshua is a health and wellness professional for the financial side of things. He diagnoses the root of your financial insecurities and provides you the solutions you actually need to attain financial freedom and a future that is as bright as day. While he is serious in his goal to protect your future, his humorous and playful side will make you feel at ease and comfortable talking about money (which people usually avoid). He is trustworthy, loyal, and dependable. Entrust your financial matters to him and you will seriously not regret reaching out to him in the first place, and the next thing you know your friends and loved ones and their future generations are as financially free as you.”

Lifetime Advisory Partner & Family Security

“Why I chose Joshua? It is because he is not just a financial advisor, he will also be your friend and confidant. He does his job beyond the service expectations from an advisor. He legitimately cares for you and your family thus, he gives his best to help you organize your finances, check your problems and make the proper solutions, all to ensure your future's security. If you chose Joshua as your advisor, it will be your best investment as he will be your lifetime partner that will guide you from your wealth protection, wealth accumulation to wealth transfer.”

Financial Goals & Reliable Service

“I have known Joshua for being responsible and dedicated when it comes to work. I got to talk to him when it comes to my financial goals, and he has offered me a lot of help when it comes to managing those. He's also very comfortable to talk with and keen to my concern. Thank you for that excellent and reliable service Joshua. I truly recommend you as one of the best financial advisors so far! 💯”

Financial Coaches & Team Mentorship

“I highly recommend UM Josh & Marnie. They both very hardworking, genuine, helpful, diligent, and knowledgeable as Financial Coaches. I am grateful for the opportunity they opened to me, the knowledge and mindset they shared, and for always reaching out. They are working beyond their designated tasks, they always go an extra mile to provide their service to their clients, colleagues, and their team.”

Next-Gen Agency Leadership & Team Excellence

“Very honored and blessed to have these two as part of my Sales Team. I consider them as the next generation leaders who put all their energy, time and effort in supporting our team's goals as well as passionately driven to lead people in their journey to a brighter life. Working with Josh and Marnie has been an easy and wonderful experience as they are obedient, hardworking and always aligned with our team values and aspirations. Looking forward to seeing you guys soar in this industry and develop excellent advisors in your respective teams by influencing more people you work with in their path to excellence and live the life they deserve.”

Team Excellence & Client Dedication

“Josh is driven to grow himself so he may empower others to grow themselves in turn. i have the privilege of being in the same team as him and I have experienced his enthusiasm and passion to deliver excellent service to his clients and colleagues.”

Life, Career & Financial Goals Mentoring

“Josh and Marnie are the people you would love to talk to regarding life, your career, and your financial goals. I guessed they are the real couple goals you can look up to. They are good at motivating and guiding one person on the right path to achieve their short-term goal. They give you compliments on the things you're doing well at and, at the same time, point out something that you may need to improve on. A real coach who is not afraid to cut some unnecessary edges to make you a refined product. You guys are simply awesome. Thank you as always, and I'm glad I get to know you in this life. Continue to be a blessing! 🙂”