AES was the first and remains the only firm in the AMEA (Asia, the Middle East and Africa) region to meet the fiduciary standard of excellence. Our experts are often quoted by national and international trade press. Here are some of the press mentions over the last 5 years. We hope you find them insightful.
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Sam Instone, Co-CEO
08 December 2020: Practical ways to teach your children smart money skills - The National 
Stuart Ritchie, director of wealth advice at AES International, says children cannot learn something overnight, so it helps to have a fun routine that keeps them engaged and interested.
“I explain to my daughter that the money I draw from an ATM or the money on my bank card doesn’t just magically appear – it’s money I have earned from my job. I show her how this works by giving her little chores around the house so she can earn pocket money,” says Mr Ritchie.
10 November 2020: Will the UAE introduce income tax for 'high earners'? - International Adviser.png?width=200&name=download%20(1).png)
Stuart Ritchie, director of wealth advice at AES International, said: “This is obviously a big move for the region, and is likely to impact surrounding areas who may look to follow suit.
“We, of course, saw the introduction of VAT a few years back, forever ending the ‘tax-free’ allure which appealed to so many, and so it’s perhaps not surprising that income tax was next.”
03 November 2020: 10 money mistakes you should avoid during a crisis - The National
“I usually remind investors of the 50:30:20 rule – 50 per cent goes towards the things you need [housing, food, healthcare, etc.], 30 per cent to your wants [dinners, staycations, etc.] and 20 per cent to your financial future,” says Stuart Ritchie, director of wealth advice at AES International.
02 November 2020: Why US-domiciled funds are a tax danger for expatriates - The National
Stuart Ritchie, director of wealth advice at UAE-based wealth adviser AES International, says Luxembourg and Ireland are two of the biggest domiciles for fund managers. “Their reputations are strengthened because they arrange tax agreements with other countries, improve accessibility and offer competitive tax rates.”
28 October 2020: The Debt Panel: 'I was detained by immigration after my bank failed to update its records' - The National
You need to register a formal complaint with your bank if you wish to pursue compensation. To do so, however, they will require all the information regarding your case. Gather all the correspondence you have had with the bank about the loan, as well as repayment statements to show the amounts and dates you made these.
20 October 2020: Why your UK employee could be working remotely from Dubai - The National
This is not necessarily the case, says Stuart Ritchie, director of wealth advice at financial advisory firm AES International, which has clients in the UK and the UAE.
“British employees may not pay UK tax on overseas earnings provided they are non-resident and as long as they are out of the country for an entire tax year which runs from April to April,” says Mr. Ritchie.
14 October 2020: What does Trump’s Covid-19 diagnosis mean for your investment portfolio? - The National
06 October 2020: How to start investing for your children - The National
15 September 2020: UK financial watchdog reviews 'scandal-hit' consumer investments -The National
14 September 2020: Greece targets wealthy foreign pensioners with tax incentives - International Adviser
13 September 2020: Covid-19 accelerates urgency of people wanting to retire in secure countries -The National
07 September 2020: Is it still possible to get a decent yield from dividends? -The National
01 September 2020: How to manage your finances as a couple - The National
25 August 2020: UAE retail space ‘lagging behind rest of the world’ - International Adviser
20 August 2020: How to find freedom from money worries - The National
19 August 2020: The Debt Panel: 'Why wasn't my credit shield insurance used to pay my credit card when I lost my job?' - The National
10 August 2020: Are zero-fee ETFs too good to be true? - The National
21 July 2020: The Debt Panel: 'Can my bank file a police case against me for missing one payment?' - The National
21 July 2020: Will covid-19 spark more M&A in the UAE advice sector? - International Adviser
14 July 2020: The Debt Panel: 'I'm stuck overseas and my bank ignored my Covid-19 debt relief request' - The National
14 July 2020: How to avoid fear, ignorance and greed to build long-term wealth - The National
02 July 2020: Episode 81: Financial Planning in Dubai with Stuart Ritchie [PODCAST] - The Nextgen Planners
01 July 2020: The Debt Panel: 'I cannot repay my Dh60,000 dues as I haven't been paid since January' - The National
21 June 2020: The nine biggest mistakes investors can make - The National
17 June 2020: Will UK wealth raid throw existing IHT plans up in the air? - International Adviser
11 June 2020: Are there investment lessons to be learned from epidemics/pandemics? - Gulf News
11 June 2020: Lockdown could trigger exodus of expats from UAE - International Adviser
10 June 2020: The Debt Panel: 'My bank account has been blocked for a year. How do I access my salary?' - The National
09 June 2020: Five personal finance habits busted by the pandemic - The National
26 May 2020: The Debt Panel: 'I've lost my business and face two court cases. How do I restore my life?' - The National
17 May 2020: How should young investors approach the current financial market?- The National
17 May 2020: Sam Instone on Citywire - Advice Around the World [PODCAST] - Citywire
06 May 2020: The Debt Panel: 'I've lost my job so can I unlock some of my gratuity to get by?' - The National
04 May 2020: Strong sales: Dubai records $353mln property deals in last week of April - Sawya
04 May 2020: COVID-19: Top tips to deal with your savings and investments in UAE - Sawya
03 May 2020: How have ETFs weathered the market crash? - The National
26 April 2020: What is the best way for investors to generate income today? - The National
19 April 2020: Five lessons we can learn from past market corrections - The National
15 April 2020: How to avoid tone-deaf marketing during a pandemic - International Adviser
08 April 2020: Experts share their tips to financially cope during Covid-19 - The National
30 March 2020: Why the stock market crash could be the buying opportunity of a lifetime - The National
29 March 2020: Why the stock market crash could be the opportunity to buy a life - ExBulletin
16 March 2020: Seven steps you must take to protect your money amid the coronavirus crisis - The National
09 March 2020: Pay down your debts or invest - which is right for you? - The National
23 February 2020: How rich are you? [PODCAST] - Dubai Eye Radio
04 February 2020: How to invest during volatile times? [PODCAST] - The National
16 January 2020: Have Middle East wealth clients been poorly served? - International Adviser
16 January 2020: How to build a $1m portfolio by the time you retire - The National
01 January 2020: How can you sort your finances in 2020? [PODCAST] -Dubai Eye Radio
2019
2018
31 December 2018: Stephen MacLaren discusses the new coverage of 3 major cancers with Dubai Eye [PODCAST] - Dubai Eye Radio
25 December 2018: Read Stuart Ritchie's thoughts on employers and financial advisers filling the retirement gap for expats - The National
20 December 2018: How do you know a financial adviser is right for you? - Gulf News
05 November 2018: Dubai financial adviser Neil Grant liable for client's six-figure losses, says civil court financial expert - The National
17 October 2018: How a corporate savings plan helps businesses remain competitive - Entrepreneur
14 October 2018: What next for your portfolio: growth, value or momentum investing? - The National
25 September 2018: Int's pension transfer unit to cut ties with the overseas IFA's - The International Adviser
24 September 2018: New to the UAE guide part 2: set-up costs, visas, rent, school fees and more - The National
23 September 2018: New to the UAE guide: set-up costs, visas, rent, school fees and more - The National
18 September 2018: Director of AES International Stuart Ritchie shares his thoughts on the new UAE retirement visa announcement [PODCAST] - Dubai Eye Radio
17 September 2018: Is the UAE's new five-year visa a game changer for expat retirement? - The National
9 September 2018: Are these the warning signs of an approaching global recession? - The National
12 August 2018: What does a sensibly diversified portfolio look like - The National
29 July 2018: The must-read personal finance books for your holiday - The National
18 July 2018:The great debate - Equity Magazine
5 May 2018: Sam Instone discusses the new regulations that the insurance industry is facing [PODCAST] -Dubai Eye Radio
29 May 2018: The cheapest stock markets to invest in around the world - The National
20 May 2018: Should UAE residents focus on retirement of paying down their mortgage? - The National
16 May 2018: Credit Suisse fund transfers to Lombard Odier IM - FT Adviser
4 May 2018: UAE's 'good old expat packages' fade away as companies target younger professionals - The National
30 April 2018: How advisers in the Middle East are getting future ready - International Adviser
30 April 2018: Are we witnessing the slow death of cryptocurrencies? - The National
12 April 2018: Income under threat from rate rises and inflation - FT Adviser
9 April 2018: Should a China-US trade war worry UAE investors? - The National
22 March 2018: Why income growth is hard to come by in the UK - FT Adviser
12 March 2018: Five global indicators that tell us how the stock markets will fare this year - The National
9 March 2018: Investors pursue Dubai rogue financial adviser in court as more victims come forward - The National
9 March 2018: Are you guilty of financial infidelity? - Khaleej Times
5 March 2018: Is the stock market volatility over or are we due a full-blown crash? - The National
25 February 2018: How will higher interest rates affect your finances in the UAE? - The National
13 February 2018: VIDEO EXCLUSIVE: Big four speak out on Dubai changes - International Investment
12 February 2018: International Investment ezine Dubai special: AES Int’l speaks out - International Investment
11 February 2018: Investors might want to watch their dollar weight - The National
6 February 2018: Advisers, industry experts urge calm as Asian market shares follow DJIA lead down - International Investment
3 February 2018: Twelve ETFs to suit every investment portfolio - The National
15 January 2018: Emerging markets race ahead after a decade in the doldrums - The National
14 January 2018: Andrew Hallam explains how expats can avoid getting trapped in inflexible financial products [PODCAST] - Dubai Eye Radio
14 January 2018: Finance guru Andrew Hallam’s new guide for expats wanting to become wealthy - The National
7 January 2018: Has the good fortune for ETFs run its course? - The National
4 January 2018: UAE advisers taking cautious approach to VAT - International Adviser
1 January 2018: What does 2018 hold for your investment portfolio? - The National
1 January 2018: Insurance year in review: life regulations now expected early 2018 - The National
2017
27 December 2017: 10 financial resolutions for a more prosperous 2018 - The National
20 December 2017: Money year in review: Despite doom predictions, the upward trajectory continues - The National
20 December 2017: EU May Remove UAE From Tax Haven Blacklist - Bloomberg BNA
20 December 2017: UAE moots pensions for expats - International Investment
19 December 2017: Investments year in review: Investors wait for final push on mis-selling regulations - The National
17 December 2017: Why robo-advisories will appeal to Mena millennials - Khaleej Times
7 December 2017: Tax haven blacklist to give EU citizens around the world a "rude shock" - The National
6 December 2017: Dubai wealth managers dismiss UAE inclusion in EU tax haven blacklist - The National
4 December 2017: Is it still too risky to invest in banking stocks? - The National
20 November 2017: How to budget for a surprise expense in the UAE - The National
16 November 2017: End of the line? Regulatory changes proposed by the UAE Insurance Authority could completely change the way business is done in the region - International Adviser
8 November 2017: National Bonds challenges UAE's 'financial advice dilemma' with new investment app - The National
6 November 2017: A guide to bond funds - what they are and who needs them - The National
23 October 2017: 'We live on a shoestring in the UAE': Spendthrift expats reveal budget secrets - The National
18 October 2017: Is Black Monday about to strike again? - The National
12 October 2017: Housing demand falls amid rate rise concerns - FT Adviser
4 October 2017: FCA: less than half of pension transfer advice ‘suitable’ - International Investment
3 October 2017: Are you liable for income tax while living in the UAE? - The National
2 October 2017: Europe Best Practice Adviser Award winners revealed - International Adviser
1 October 2017: Analysis: A new regulatory era in the Middle East - International Adviser
28 September 2017: Holborn Assets makes controversial FCA pension claim - The National
25 September 2017: Should investors ever catch a falling knife? - The National
22 September 2017: Co-Op Bank mortgage business a 'watch and see' for brokers - FT Adviser
19 September 2017: Liberty Sipp reports strong growth as it eyes £2bn mark - FT Adviser
18 September 2017: Broke after the holidays? Here are 20 tips to get your finances back on track in the UAE - The National
17 September 2017: Europe is back: is now the time to invest? - The National
14 September 2017: Warning over racehorse investment scams - FT Adviser
10 September 2017: Andrew Hallam talks about how he became a millionaire on the salary of a teacher [PODCAST] - Dubai Eye Radio
7 September 2017: Bahrain tops best expat country in the world to live survey - The National
6 September 2017: Lessons learnt from 'keeping up with the Joneses' in the UAE - The National
3 September 2017: The best specialist
30 August 2017: Leading advisers predict new UAE rules will cull firms by 50% - International Adviser
29 August 2017: Expensive month for UAE parents with some taking out loans as Eid and start of school coincide - The National
27 August 2017: Could you survive an interest rate hike in the UAE? - The National
20 August 2017: Six steps to taking charge of your retirement - The National
10 August 2017: Sam Instone talks FCA changes and the impact on Dubai expats [PODCAST] - Dubai Eye Radio
16 August 2017: ADGM offers foundations for wealth management - The National
31 July 2017: Is there a Bitcoin ATM in Dubai's Media City? - The National
30 July 2017: How to cut through the jargon and build your own ETF portfolio - The National
19 July 2017: Aviva sells loss-making FPI to IFG for £340 million - The National
12 July 2017: The thrill of investing in boring companies - The National
4 July 2017: Fixed-term investment plans are failing UAE customers, says Friends Provident - The National
23 June 2017: A man on a financial mission against predatory investment schemes - The National
16 June 2017: Your Money blog: How to top up your British state pension while living as an expat in the UAE - The National
16 June 2017: Savers in UAE struggle to stay on track - The National
16 June 2017: Past your peak? Don’t risk pensioner poverty - The National
11 June 2017: Pound dives on election fears - Techno Tribune
11 June 2017: Pound value plunges after election result - PPP Focus
10 June 2017: UK investors sidelined
1 June 2017: A word of advice - Business and Finance Magazine
31 May 2017: ADGM to launch wealth-management foundations - The National
23 May 2017: Vanguard’s rise shows it is now time for UAE investors to have access low-cost funds - The National
19 May 2017: Central Bank turns attention to complaints of
18 May 2017: Fresh blow hits UAE insurance providers, as Central Bank cracks down - International Investment
12 May 2017: Small company ETFs to invest in - The National
12 May 2017: Small caps can be big winners - The National
12 May 2017: Money clinic: the secret to becoming a millionaire - The National
10 May 2017: Roundtable - Selling Investment [PODCAST] - Dubai Eye Radio
8 May 2017: IA Product & Service Awards 2017 - International Adviser
4 May 2017: UK Best Practice Adviser Award winners revealed - International Adviser
3 May 2017: CII qualifications in international financial planning - International Adviser
3 May 2017: Portugal a ‘dark horse’ for IFAs but avoid France - International Adviser
1 May 2017: AES International Increases Leads by 7.5X With HubSpot - Hubspot
28 April 2017: Investing for income: the ultimate growth machine - The National
27 April 2017: UAE’s ‘game-changing’ life industry overhaul given green light - International Investment
6 April 2017: CEO Sam Instone talks pensions to the agenda team [PODCAST] - Dubai Eye radio
4 April 2017: UK-UAE tax treaty lets UK pension holders cash out tax-free - The National
29 March 2017: Expats face Brexit ‘limbo’ as UK kick-starts Article 50 talks - International Adviser
23 March 2017: More firms in the FCA firing line after Holborn sanctions - International Adviser
23 March 2017: Does end-of-service gratuity have a future? - The Chartered Institute of Personnel and Development ME
17 March 2017: ETFs do the hard work for expats like you - The National
9 March 2017: Property or pension for retirement savings? - Expat Network
8 March 2017: Will investors revisit small caps? asks analyst Zak Mir - Share Talk
1 March 2017: How to build a £40,000 portfolio in five years - Shares Magazine
27 February 2017: Challenging the status quo of an outdated industry - International Adviser
24 February 2017: The danger of a crash landing in high-flying stocks, bonds and property - The National
21 February 2017: How to help millennials plan for their financial future - FT Adviser
10 February 2017: How much is your fixed-term savings plan REALLY costing you - The National
2 February 2017: Placing Best Practice at the heart of your business in 2017 - International Adviser
2 February 2017: FCA pressured to act on overseas pension transfers - FT Adviser
22 January 2017: Why do people fall for bogus schemes - Gulf News
21 January 2017: What you can do to avoid investment scams: expert advice - Gulf News
12 January 2017: Surge in enquiries about transfer of UK pensions overseas - Financial Planning Today
6 January 2017: 12 steps to financial solvency - The National
2016
30 December 2016: Do the maths and start saving to get what you want - The National
23 December 2016: Planning for your children’s future: the gift of financial security - The National
19 December 2016: Brexit implications seen in HMRC’s removal of French and Italian ROP schemes - International Investment
16 December 2016: French and Italians living in UK face pension transfer block - Financial Times
11 December 2016: UAE banks warn customers on new international tax compliance measures - The National
08 December 2016: Innovation and Digitalisation will Drive Next Wave of Economic Growth - MENA Mediavatar
6 December 2016: Global best practice adviser firm of the year 2016 revealed - International Adviser
2 December 2016: Investing at the edge - The National
29 November 2016: UAE insurers ‘seeking more time from regulator’ on indemnity commissions - International Investment
25 November 2016: The importance of life and critical illness cover in the UAE - The National
11 November 2016: The standout mutual funds you should be looking at - The National
30 October 2016: Start saving early for your children's education - Gulf News
28 October 2016: Consider your financial priorities and set targets - The National
9 October 2016: Venture fund helps MENA region tap into expertise of veteran investors - The National
7 October 2016: Looking to transfer your expat pension? - Expat Network
29 September 2016: Qatari investors advised to buy traditional houses in the UK - The Peninsula
22 September 2016: Interview with Sam Instone about financial planning and medical insurance for expats in the UAR - Dubai One TV
10 September 2016: Passive investment is the way to go - The National
30 August 2016: INSIGHT: Market officials urge tightening up of UAE retail wealth market regulation - Thomson Reuters
28 August 2016: What continued low interest rates mean for your finances - The National
22 August 2016: Direct selling in the UAE: How much money can you make? - The National
18 August 2016: Will EU expats have state pensions frozen? - This is Money
18 August 2016: Expats face a 'financial wild west' when it comes to regulation - Citywire
14 August 2016: Era of fintech arrives on UAE investment scene - The National
28 June 2016: AES gets DFSA license, opens new Dubai office - International Adviser
26 June 2016: UAE investors and the hunt for dwindling yield - The National
17 June 2016: UAE expats count the cost after falling into investment trap - The National
4 June 2016: A passive investing approach that maximises returns - Gulf News
2 June 2016: Middle East consumers demand greater transparency from offshore investment firms - Middle East Living
23 May 2016: Why you need an emergency fund in the UAE - Gulf News
23 May 2016: AES International reports 'twelvefold' rise in queries for hidden-commission-revealing service - International Investment
23 May 2016: The great offshore bond debate - International Investment
22 May 2016: Consumer requests for reports showing truth about offshore investments increase twelvefold - Zawya
20 May 2016: Your essential guide to low-cost funds and ETFs - The National
29 April 2016: Top ten financial advisors for expatriate investors - Andrew Hallam
28 April 2016: How AES International (in Dubai) will build you a portfolio of index funds - Andrew Hallam
18 April 2016: Shop around to get most out of credit cards - Gulf News
27 March 2016: Experts warn against vicious cycle of debt in UAE - Gulf News
21 March 2016: Pension Life Helping Expat Victims of Mis-selling Abroad - Shelter Offshore
20 March 2016: Regulating the UAE's financial sector - The National
20 March 2016: UK pension pressure a danger to UAE expats' safe retirement - The National
12 March 2016: GCC investors urged to think long term to generate reasonable returns - Gulf News
10 March 2016: Fee vs commission: which is better? - Gulf News
9 March 2016: AES International bringing transparency to financial advice abroad - Shelter Offshore
25 February 2016: Mifid and Me: changing face of passporting - FT Adviser
25 February 2016: Navigating taxation differences cross-border - FT Adviser
8 January 2016: Financial pitfalls of UAE expatriates returning home - The National
6 January 2016: Investors warned over 'double your cash' scams in Dubai - The National
2015
30 December 2015: Middle East market feels wind of regulatory change - International Adviser
27 December 2015: Are your funds suitable for you? - Times of Malta
5 December 2015: Robot financial advisers to march on the UAE - The National
3 December 2015: Working abroad can prove addictive - Financial Times
1 December 2015: PA ANALYSIS - How to profit from cyber-security, the real 'stress test' - Portfolio Adviser
3 November 2015: Fresh faces: Ashley Owen of AES International - Citywire
27 October 2015: Aberdeen advisers makes
26 October 2015: ‘I lost most of my savings’ – The cost of risky financial advice - Doha News
22 October 2015: Brit expats targets of unregulated schemes - FT Adviser
22 October 2015: Middle East advisers applaud
20 October 2015: AILO slates claim
19 October 2015: Mis-selling fears hamper funds'
15 October 2015: Sale of unregulated schemes now 'pandemic' in expat markets - International Adviser
15 October 2015: FCA UCIS ban pushes problem overseas to UK expats - FT Adviser
11 October 2015: Equity investors pour money in European and Japanese stocks - Gulfnews
7 October 2015: Gaps in EU safety net for structured products: ESMA - FT Adviser
7 October 2015: Offshore banking, mortgages and safe and secure investments - Emirates News (video)
2 October 2015: UAE resident faces losing Dh80,000 on investment plan - should he cut his losses? - The National
2 October 2015: UAE expats and offshore banking: All you need to know - The National
30 September 2015: Friends Provident International to exit UK offshore bond market - Fundweb
29 September 2015: Corbyn hope in frozen pensions battle - The Telegraph
26 September 2015: Corbyn boost for
22 September 2015: Bernard Ginns: Imagining great cities from a tree house in Yorkshire - The Yorkshire Post
22 September 2015: The refugee crisis could push Europe into recession - The Street
4 September 2015: AES to offer direct investing using either a guided or DIY approach - FT Adviser
2 September 2015: Financial Traps - Benchmark Middle East
28 August 2015: It pays to keep a cool head when stock markets are crashing - The National
2 September 2015: Financial traps - Benchmark
27 August 2015: Pension transfer loophole to close next month - FT Adviser
27 August 2015: Buy on the weakness, or head for the lifeboats - Euroweeklynews
26 August 2015: AES International begins graduate training programme - CCR Magazine
25 August 2015: AES International begins graduate training programme - Automated Trader
24 August 2015: AES offers DIY investment to British expats - Automated Trader
21 August 2015: Expat advice firm launches D2C platform - Money Marketing
20 August 2015: Investors urged to be cautious over foreign financial advice firms - The Move Channel
19 August 2015: Advice firms avoiding UK regulation a threat to investors - Actuarial Post
19 August 2015: AES: Advice firms circumventing UK regulation a threat to investors - Automated Trader
19 August 2015: Pensioners 'vulnerable' to European financial companies - Pensions Age
19 August 2015: AES calls for clarity on UK advice firms using EEA
18 August 2015: Government shuts QROPS public sector transfer loophole - International Adviser
11 August 2015: Pension hope for public sector workers after loophole emerges - The Telegraph
7 August 2015: How UAE expats can protect their retirement nest egg - The National
29 July 2015: AES adds nine new ETFs and Index-Linked Funds - Wealth Adviser
28 July 2015: Warning over 'dodgy' EU financial advice firms setting up shop in the UK - Your Money
28 July 2015: Beware Europe-based financial advisers '
22 July 2015: Expats can save without using an IFA: Adviser - FT Adviser
16 July 2015: Why UAE expats fail to save: Consumption, socialising drain savings - Gulf News
15 July 2015: Expats keep the faith in offshore banks despite poor rewards - The Telegraph
15 July 2015: British expats failing to save - The Move Channel
14 July 2015: Top tips to save money on Eid, holiday travel - Gulfnews
10 July 2015: Greece crisis rattles thousands of expats living there - CNN Money
10 July 2015: HMRC overseas pension list branded 'useless' - FT Adviser
7 July 2015: QROPS crackdown in
2 July 2015: Moving abroad? You may have to pay 55pc tax on your pension - The Telegraph
1 July 2015: HMRC scraps thousands of QROPS from overseas pensions list - International Adviser
1 July 2015: HMRC culls thousands of schemes from overseas pensions list - Money Marketing
1 July 2015: HMRC cuts thousands of overseas schemes from
1 July 2015: Pensioners abroad face steep UK tax charges - Financial Times
23 March 2015: Compare yourself to your peers: AES International - Citywire
19 March 2015: Investors need to ask wealth advisors about charges - Emirates News (video)
Older press mentions
1 August 2013: The field-marshal of finance - The Economist
10 October 2010: Who stole my pension? - BBC Panorama (video)
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