The Nothing to Lose (N2L) Foundation

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Jon Tulio N2L Director


Mike Ferolino
Secretary
Executive Team
Jon is a professional educator and mentor.  He has 10 years of experience as an educator and leadership trainer. In 2008 Jon and Marcia moved from Northern California to the Philippines in order to develop and coordinate the programs of the Nothing to Lose Foundation and to direct a Christian ministry program, the School of the Supernatural, in Bacolod City, Philippines. Jon is a self proclaimed adventurer, amateur food critic, and would be world traveler. The majority of his free time is spent traveling with Marcia and their two boys, Judah and James, and studying Brazilian Jiu Jitsu.
Michael is a Physical Education teacher at Jane Lathrop Stanford Middle School in Palo Alto, California. Michael has coached both girls volleyball and boys basketball at Henry M. Gunn High School (Palo Alto, CA) and is currently the Head Coach of Boys Varsity Basketball at that school. After completing a Masters Degree in Kinesiology in 2006, he, along with Jon Tulio, founded the Nothing to Lose Foundation. In 2010, he lived in the Philippines for the year. This allowed him to became more deeply integrated in the community that N2L serves. Michael enjoys playing golf and running. 
Chris Courtney MD President 
John Loewen MD
Chief Financial Officer
Epzky Forcado is the N2L Philippine National Director​. Mr. Forcado is the first N2L scholar to graduate college. He has returned to N2L to manage the scholars needs and their community service programs. He also insures that scholars are maintaing their scholarship contract in good standing.

Jayme Miller is the N2L Chief Administrator in the US. She is a registered nurse who practices emergency nursing in Arizona. She volunteers her time to meet various administrative needs of the foundation. 
Marcia Tulio
Scholarship Director. Marcia has been a part of N2L from the beginning. She has been instrumental in providing support, time, organization and insight towards N2Ls growth
Executive Leadership
Ludmila Tagle is the N2L Philippine National Medical Director. She is a registered nurse. She coordinates the logistics of the acute care clinics and maintains care and relationship with the patients in the continuity program. She lives near Pato-O and is well known and respected in the community. 
Chris is a board certified Emergency Medicine physician and Education Director for his Scottsdale based Emergency Medicine Practice. He has been a board member for the Arizona College of Emergency Physicians and is currently an independent reviewer for the Arizona Board of Medical Examiners. He is a fellow in the American College of Emergency Physicians. Chris is also co-owner and CEO of Falling Leaf Nutraceuticals. His time outside work is spent with his wife Jenny, a practicing OB/Gyn physician, and two young but very active daughters. The remainder of his time is spent swimming, snowboarding, fly-fishing, and kiteboarding.
John is an emergency physician in the Phoenix, Az area.  He is certified by the American Board of Emergency Physicians and is a fellow in the American College of Emergency Physicians. John currently is a staff physician in the emergency department in Sun City West, Arizona. He serves as the emergency department physician group's financial director and education director, and is involved with various other patient care focused hospital projects. He enjoys spending time with his wife Kerry, daughter Eva and family, traveling, doing outdoor sports, spending time with friends, and supporting various community service projects in Phoenix.