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AES International Wealth Management & Employee Benefits Blog

The Scientific Investor

Intelligent ideas to make you healthy, wealthy and wise.

Carlton Crabbe

Carlton Crabbe was previously an Ultra High Net Worth and High Net Worth wealth manager at AES International. His blog posts remain relevant for expatriate investors.

Blog Feature

Financial Planning

7 terrible financial advice tips you should ignore

By: Carlton Crabbe
May 11th, 2015

Learn how to stop listening to terrible financial advice

Have you fallen victim to bad financial advice? Perhaps more than once? Was it from a colleague, a family member, a friend, or even a financial adviser?

Social proof is powerful. People will often credit others with the ability to give financial advice, merely based on their acquaintance with another who does have financial knowledge.

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Financial Education

Can British expats afford to go home with 16 taxes (at least) to pay?

By: Carlton Crabbe
February 12th, 2015

Retire to the UK for a more taxing life

British expats returning home from a life likely spent in the sun and with lower taxes, are probably in for a jolt when they realise just how many taxes there are in the UK, and how much they add up to. So before you even start packing up the house, either read this free blog and prepare for a shock, or pay for the same shock by speaking to a qualified tax adviser. Can you ever afford to return home?

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The 3-step process I guarantee helps investors (just like you) get better results

Traditional financial services reward those selling products, not you. Watch our free video to learn 3 secrets to getting scientifically proven better results. By the end of it, you should feel relieved, confident, empowered and good about your future because everything begins and ends with you.

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Blog Feature

Financial Education

What do you regret in life? We bet it's not money

By: Carlton Crabbe
February 5th, 2015

The top 5 regrets of the dying (and not one of them is money)

After years of work with patients in the last 12 weeks of their lives the Australian nurse, Bronnie Ware, wrote down the dying epiphanies of her patients and in doing so, has helped us realise that money doesn't matter in the end. The hugely insightful findings captured in her own blog, are a helpful reminder to us of five of the things that do matter.  

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Blog Feature

Financial Education

Should British expats buy UK property in 2015?

By: Carlton Crabbe
February 4th, 2015

The UK property market is falling...and rising

Much tougher lending criteria, changes to stamp duty and high house prices may be starting to bite in the UK housing market, according to recent Bank of England data.  But what do all of these changes mean for expats heading home who are looking to buy UK property?

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Blog Feature

Pensions

Don't ruin your retirement by NOT reading this

By: Carlton Crabbe
January 29th, 2015

Three essential steps for successful retirement planning

It was back in 2001, early in my financial advice career, that I came across my first big retirement casualty. Our new client had lost so much money in the technology bubble that her £100,000 plus income in retirement had been virtually destroyed. She hadn't taken the ONE basic step every investor MUST take. Here's the story of what went wrong, and how not to find your retirement in financial ruins.

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Blog Feature

Financial Education

Banks reject mortgage borrowers in 40s

By: Carlton Crabbe
January 22nd, 2015

Home buyers in their 40s are being turned down for mortgages under tough new banking rules

Mortgage borrowers in their 40s are starting to be refused by UK mortgage lenders that extend past the traditional retirement age. The warning from British banks comes as the strict new banking rules introduced last April begins to bite. 

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Blog Feature

Financial Planning

How to save £264,800 of inheritance tax in 4 minutes

By: Carlton Crabbe
January 21st, 2015

Just write a cheque today and make it a gift

Sounds too easy, right? Well, the good news is that the most difficult part of saving your family and friends £264,800 in UK inheritance tax is deciding whom you want to make the cheque(s) payable to. Once you have decided who the lucky beneficiaries of your 4-minute inheritance tax plan are, you just need to write the cheque. We take a look at why most people forget to do this simple piece of planning, and find out why it's so easy.

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Blog Feature

Financial Education

Expats, are you feeling prosperous in 2015?

By: Carlton Crabbe
January 14th, 2015

There's an index for that!

UK expats often wonder what it's like back home. If we're living abroad in a sunny country, we like to look at the weather in the UK and see the snow and rain. We like to see the train strikes and feel good about our expat lifestyle.

But many of us will return home to the UK one day and so, what's it actually like? Luckily, we don't just have to rely on the BBC and our families back home to get an idea. The Legatum Institute has carried out exhaustive research on how prosperous people feel and published The Prosperity Index. Let's take a look at how Brits feel compared to the rest of the world.

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