## Sitemaps [XML Sitemap](https://www.aesinternational.com/sitemap.xml): Includes all crawlable and indexable pages. # www.aesinternational.com > Discover expert wealth management and employee benefits tailored for individuals and businesses, ensuring clarity and control over your financial future. ## Home [Global wealth management and employee benefits | AES](https://www.aesinternational.com): Discover expert wealth management and employee benefits tailored for individuals and businesses, ensuring clarity and control over your financial future. ## Global elite law firm partners [Global Elite law firm partners](https://www.aesinternational.com/global-elite-law-firm-partners): Law firm partners: Optimise your wealth arc, maximise your professional accomplishments, and secure a flourishing future. Book a Discovery Call today. ## Wealth [Guide to International Trusts](https://www.aesinternational.com/wealth/reviews/international-trusts/what-is-an-international-trust): What is an international trust and why have one? Understand the tax benefits of international and offshore trusts for expats. [An independent review of BNP Paribas and their private banking service](https://www.aesinternational.com/wealth/reviews/private-banks/bnp-paribas): Learn why our experts gave BNP Paribas 3 out of 5 stars in their review, along with answers to common questions about BNP Paribas and their private banking services. [AES independent review - Platform One International](https://www.aesinternational.com/wealth/reviews/international-investment-platform/platform-one-international-review): Learn why our team of experts gave Platform One International 1 out of 5 stars in their independent review, along with answers to questions about Platform One International. [AES independent review - HSBC Expat](https://www.aesinternational.com/wealth/reviews/offshore-banks/hsbc-expat-review): Find out why our experts gave HSBC Expat 2.5 out of 5 stars in their independent review, along with answers to frequently asked questions about the Expat HSBC account. [AES independent review of ARIA Capital Management](https://www.aesinternational.com/wealth/reviews/discretionary-fund-managers/aria-capital-management-review): Learn why our experts gave ARIA Capital Management 1 out of 5 stars in this review, along with answers to common questions about ARIA Capital Management. [AES independent review - Newport Private Wealth](https://www.aesinternational.com/wealth/reviews/discretionary-fund-managers/newport-private-wealth-review): Learn why our experts gave Newport Private Wealth 3.5 out of 5 stars in their review, along with answers to common questions about Newport Private Wealth. [Case Study | Valerie & Nick](https://www.aesinternational.com/wealth/case-studies/valerie-nick): AES case study: Our primary goal is to enjoy our retirement to the fullest – since currently we live a fairly modest lifestyle. [AES independent review - International Flexible Trust](https://www.aesinternational.com/wealth/reviews/international-trusts/international-flexible-trust-review): Learn what an international flexible trust is and when it can be used, along with expert insights and access to frequently asked questions about them. [AES independent review - Nedgroup Investments](https://www.aesinternational.com/wealth/reviews/discretionary-fund-managers/nedgroup-investments-review): Learn why our experts gave Nedgroup Investments 4 out of 5 stars in their review, along with answers to common questions about Nedgroup Investments. [AES independent review - TAM Asset Management](https://www.aesinternational.com/wealth/reviews/discretionary-fund-managers/tam-asset-management-review): Learn why our experts gave TAM Asset Management 3.5 out of 5 stars in their review, along with answers to common questions about TAM Asset Management. [AES independent review - Standard Bank](https://www.aesinternational.com/wealth/reviews/offshore-banks/standard-bank-review): Standard Bank Review: Learn why our experts gave Standard Bank 3 out of 5 stars, along with answers to frequently asked questions about Standard Bank [AES independent review - Platform One Hallmark Savings Plan](https://www.aesinternational.com/wealth/reviews/offshore-savings-plans/platform-one-hallmark-savings-plan): Learn why our experts gave Platform One Hallmark Savings Plan 3 out of 5 stars in their review, along with answers to common questions about the Hallmark Savings Plan [Case Study | Jake van den Dries](https://www.aesinternational.com/wealth/case-studies/jake-van-den-dries): Discover why Mr. van den Dries says: "I would definitely recommend AES other expatriates, in fact, I have already done so on a number of occasions." [Why have an offshore bank account?](https://www.aesinternational.com/wealth/reviews/offshore-banks/why-have-an-offshore-bank-account): Looking to open an offshore bank account? Learn how to choose the best offshore bank account as an expat and other frequently asked questions. [AES independent review - Concept Group](https://www.aesinternational.com/wealth/reviews/international-pension-trustees/concept-group-review): Learn why our experts gave Concept Group 2 out of 5 stars in their independent review, along with answers to common questions about Concept Group. [Independent review of Credit Suisse and their private banking services](https://www.aesinternational.com/wealth/reviews/private-banks/credit-suisse): Learn why our experts gave Credit Suisse 3 out of 5 stars in their review, along with answers to common questions about Credit Suisse and their private banking services. [An independent review of Barclays Private Bank](https://www.aesinternational.com/wealth/reviews/private-banks/barclays): Learn why our experts gave Barclays Private Bank 3 out of 5 stars in their review, along with answers to frequently asked questions about Barclays Private Bank. [AES independent review - Discretionary Trusts](https://www.aesinternational.com/wealth/reviews/international-trusts/discretionary-trust-review): Learn what experts have to say about discretionary trusts, how they are used and get answers to other frequently asked questions about discretionary trusts [An independent review of UBS and their private banking service](https://www.aesinternational.com/wealth/reviews/private-banks/ubs): Learn why our experts gave UBS 3 out of 5 stars in their review, along with answers to common questions about UBS and their private banking services. [AES independent review - Swissquote Offshore Bank](https://www.aesinternational.com/wealth/reviews/offshore-banks/swissquote-review): Learn why our experts gave Swissquote 5 out of 5 stars in their independent review, along with answers to frequently asked questions about Swissquote [AES independent review of Brooks Macdonald International](https://www.aesinternational.com/wealth/reviews/discretionary-fund-managers/brooks-macdonald-international-review): Learn why our experts gave Brooks Macdonald 2 out of 5 stars in this review, along with answers to common questions about Brooks Macdonald International. [Case Study | Nikolai Nikolov](https://www.aesinternational.com/wealth/case-studies/nikolai-nikolov): Discover why Mr. Nikolov says: "AES International makes it a priority to take care of our financial goals" [AES independent review - iPensions Group](https://www.aesinternational.com/wealth/reviews/international-pension-trustees/ipensions-group-review): Learn why our experts gave iPensions Group 3 out of 5 stars in their independent review, along with answers to common questions about iPensions Group. [Independent review - Quilter International Executive Investment Bond](https://www.aesinternational.com/wealth/reviews/offshore-investment-bonds/quilter-international-executive-investment-bond-review-detailed-analysis): Do you own a Quilter International Executive Investment Bond? Discover all the facts about this highly popular expat product in our detailed analysis. [AES independent review - GAM Star Portfolios](https://www.aesinternational.com/wealth/reviews/broker-funds/gam-star-portfolio-review): Learn why our experts gave GAM Star Portfolios 3 out of 5 stars in their review, along with answers to common questions about GAM Star Portfolios. [AES independent reviews - Offshore Investment Bonds](https://www.aesinternational.com/wealth/reviews/offshore-investment-bonds): What are the best offshore bonds? Our reviews cover the key offerings and pros and cons of offshore bonds commonly used by international professionals. [What is the Zurich Vista Savings Plan?](https://www.aesinternational.com/wealth/reviews/offshore-savings-plans/zurich-vista-savings-plan-review-detailed-analysis): Zurich International Life Limited - a detailed analysis of their Zurich Vista Savings Plan. [AES independent review of Cazenove Capital](https://www.aesinternational.com/wealth/reviews/discretionary-fund-managers/cazenove-capital-review): Learn why our experts gave Cazenove Capital 2 out of 5 stars in their review, along with answers to frequently asked questions about Cazenove Capital. [AES independent review - Union Bancaire Privée (UBP) Private Bank](https://www.aesinternational.com/wealth/reviews/private-banks/union-bancaire-privee): Learn why our experts gave Union Bancaire Privée's Private Banking service 2 out of 5 stars in their review, along with answers to common questions about UBP. [Independent expat investment, savings and pension reviews](https://www.aesinternational.com/wealth/reviews): Our independent reviews are the expert opinions of chartered professionals, backed by data. Find out more about the most commonly used products and services by international investors and business owners like you. [AES independent review - Investec](https://www.aesinternational.com/wealth/reviews/discretionary-fund-managers/investec-review): Learn why our experts gave Investec's Discretionary Management Services 3 out of 5 stars in their review, along with answers to common questions about Investec. [An independent review of HSBC Private Bank](https://www.aesinternational.com/wealth/reviews/private-banks/hsbc): Learn why our experts gave HSBC Private Bank 1 out of 5 stars in their review, along with answers to frequently asked questions about HSBC Private Bank. [AES independent review - Canaccord Genuity Wealth Management](https://www.aesinternational.com/wealth/reviews/discretionary-fund-managers/canaccord-genuity-wealth-management-review): Learn why our experts gave Canaccord Genuity Wealth Management 3 out of 4 stars in their review, along with answers to common questions about Canaccord Genuity. [Case Study | Stefan and Alice](https://www.aesinternational.com/wealth/case-studies/stefan-and-alice): AES case study: One of our goals was to gift £100,000 to each of our three children, so it was important we did this efficiently. [Case Study | James](https://www.aesinternational.com/wealth/case-studies/james): AES case study: My wife and I were both concerned about how to use efficient structures and transfer our wealth to reduce IHT exposure. [AES review - Quilter International Executive Investment Bond](https://www.aesinternational.com/wealth/reviews/offshore-investment-bonds/quilter-international-executive-investment-bond-review): Independent review of the Quilter International (formerly known as OMI) Executive Investment Bond: highlighting costs & cons, pros & any better alternatives. [Case Study | Jackie Pym](https://www.aesinternational.com/wealth/case-studies/jackie-pym): Discover why Ms. Pym says: "I wouldn’t hesitate to recommend AES International." [An independent review of Mashreq Private Bank](https://www.aesinternational.com/wealth/reviews/private-banks/mashreq): Learn why our experts gave Mashreq Private Bank 1 out of 5 stars in their review, along with answers to common questions about Mashreq Private Bank. [AES review - Quilter International Collective Investment Bond](https://www.aesinternational.com/wealth/reviews/offshore-investment-bonds/quilter-international-collective-investment-bond-review): Is Quilter International's (formerly known as OMI) Collective Investment Bond a sound choice for senior international professionals? Find out. [Review of Utmost International's Choice (Generali Choice Account)](https://www.aesinternational.com/wealth/reviews/offshore-investment-bonds/utmost-international-choice-review): Learn why our experts gave Utmost International's Choice (formerly known as Generali Choice Account) 2 out of 5 stars in their review, along with answers to common questions about Choice. [Independent review - Quilter International's Executive Redemption Bond](https://www.aesinternational.com/wealth/reviews/offshore-investment-bonds/quilter-international-executive-redemption-bond-review-detailed-analysis): Do you own an Quilter International Executive Redemption Bond? Discover all the facts about this highly popular expat product in our detailed analysis. [AES independent review - International Pension Trustees](https://www.aesinternational.com/wealth/reviews/international-pension-trustees): Our offshore pension and investment reviews are designed to help investors make informed decisions. It includes features, pros, cons and FAQs about pension trustees. [Case Study | Jim & Hannah](https://www.aesinternational.com/wealth/case-studies/jim-hannah): AES case study: At the time of reaching out to AES, we were simply after a second opinion on a recommendation we’d received from another local adviser. [Case Study | Nick & Evie](https://www.aesinternational.com/wealth/case-studies/nick-evie): AES case study: It’s great to have our finances taken care of because we lead busy lives balancing work and spending time with our 3 sons. [AES Client Reviews | A bright light of integrity](https://www.aesinternational.com/wealth/testimonials): Discover what clients and advocates say about us, and why AES International has been described as the lifeboat of the expat international financial marketplace. [AES independent review - Utmost International Vision Savings Plan](https://www.aesinternational.com/wealth/reviews/offshore-savings-plans/utmost-international-vision-savings-plan-review): Learn why Generali is now known a Utmost International, who manages the Vision Savings Plan now and why Vision Savings is no longer open to new business. [Independent review of First Abu Dhabi Bank's private banking offering](https://www.aesinternational.com/wealth/reviews/private-banks/first-abu-dhabi-bank): Learn why our experts gave First Abu Dhabi (FAB) Bank 1 out of 5 stars in their review, along with answers to common questions about FAB and their private banking services. [AES independent review of Brewin Dolphin](https://www.aesinternational.com/wealth/reviews/discretionary-fund-managers/brewin-dolphin-review): Learn why our experts gave Brewin Dolphin 3 out of 5 stars in their review, along with answers to frequently asked questions about Brewin Dolphin. ## Health [Health Insurance Brokers in Dubai | AES Group Medical Insurance](https://www.aesinternational.com/health): Health insurance brokers in Dubai. AES offers tailored group medical insurance for businesses, ensuring value, security, and confidence. Book a call today. [AES Health | About](https://www.aesinternational.com/health/about): Why is it some companies never get to the heart of the insurance problem? Discover our unique approach to insurance, focussing on people, not policies. [Group Health Insurance in Dubai | AES Group Medical Insurance](https://www.aesinternational.com/health/group-medical-insurance): Group Health insurance in Dubai. AES offers tailored group medical insurance for businesses, ensuring value, security, and confidence. Book a call today. ## Legal information [Our Authorisations, Regulations and Redress Process](https://www.aesinternational.com/legal-information/authorisations-and-regulations): Read about AES International's authorisations, regulations and international reporting procedures here. [International Reporting | AES International](https://www.aesinternational.com/legal-information/international-reporting): Like other financial entities AES is required by law to provide certain information about US clients to the US authorities, in accordance with FATCA. ## Wealth management [Single and Multi-Family Office Dubai | Exclusive Family Office Services](https://www.aesinternational.com/wealth-management/multi-family-office-services): Discover Dubai Family Office solutions with expert multi-family office wealth management services. Our family office management services help ultra-high-net-worth families preserve and grow their wealth. [Investing: Building ideal futures for those with £500,000 or more](https://www.aesinternational.com/wealth-management/building-ideal-futures): With at least £500,000 of investable assets, you get tailored planning to help you get (and keep) the life you want. Our services are entirely focused on helping you create and realise your ideal future with clarity, confidence and control. [International estate planning for expats | Secure your legacy](https://www.aesinternational.com/wealth-management/estate-planning): Estate planning for expats made simple - protect your wealth, secure your legacy, and navigate cross-border asset management with expert international estate planning and inheritance planning guidance. [Ultra-low-cost and flexible investing for those with £250k](https://www.aesinternational.com/wealth-management/smart-account): Discover how the Smart Account™ gives you privileged access to what was previously available only to the wealthiest investors and large institutions. Choose a risk profile and start with as little as £250,000 (or USD/EUR), then add to your account at your convenience. [Tax on Pensions: Expat Pension and Pension Transfer Advice](https://www.aesinternational.com/wealth-management/tax-on-pensions): Expert advice for expats on pension tax, pension transfer options, QROPS and retirement planning from trusted advisers. [Expat Pension Advice | Expert Financial Planning for Expats](https://www.aesinternational.com/wealth-management/pensions): Get expert expat pension and pension transfer advice and personalised financial planning for expats. Discover expat wealth management solutions to secure your financial future abroad. [Evidence-based investment philosophy in Dubai | Smart wealth strategies](https://www.aesinternational.com/wealth-management/investment/investment-philosophy): Discover a research-driven investment philosophy in Dubai designed to maximise returns, minimise risk, and build long-term financial security through evidence-based investing. [Retirement Planning for your ideal financial future](https://www.aesinternational.com/wealth-management/retirement-planning): Retirement planning can help you discover how you can structure your pension, ensure you have enough saved to retire and how to efficiently tax your income during retirement. [Lifetime financial planning for those with £1,000,000 or more](https://www.aesinternational.com/wealth-management/lifetime-financial-planning): A cashflow forecast is the essential first step to designing a financial plan. It enables us to look at the bigger picture … [X-Ray Review | AES International](https://www.aesinternational.com/wealth-management/x-ray-review-new): Do you know if your current lifestyle is sustainable? Learn if you're going to be okay with our X-Ray Review, suitable for those with £500,000 or more. [Lifetime Cashflow Modelling](https://www.aesinternational.com/wealth-management/lifetime-cashflow-modelling): Lifetime cashflow modelling is a chance to pause, take stock and evaluate your current financial position, helping identify what's important. ## Successful individuals and families [Successful individuals and families](https://www.aesinternational.com/successful-individuals-and-families): Protect and grow your wealth for future generations with our tailored financial strategies. Book a discovery call today. ## Join us [AES Careers | Success Stories | Neeraj Pandey](https://www.aesinternational.com/join-us/case-studies/neeraj-pandey): Learn about Neeraj Pandey's career journey at AES, from Associate to Senior Associate, his challenges, achievements, and how AES supported his growth. [Experience Career Growth & Drive Positive Change at AES International](https://www.aesinternational.com/join-us): Accelerate your career growth at AES International. Join a team dedicated to empowering your journey and creating positive change. ## Dimensional fund advisors [Dimensional Fund Advisors: Smart Investing with DFA Investment Funds](https://www.aesinternational.com/dimensional-fund-advisors): Dimensional Fund Advisors specialises in DFA investment funds, using academic research and systematic investment strategies to maximise returns. Discover how Dimensional fund investing supports long-term wealth growth. ## Private banking guide [Private Banks in Dubai: a Guide for High-Net-Worth-Individuals (HNWI)](https://www.aesinternational.com/private-banking-guide): Explore private banking in Dubai and discover the best high-net-worth banking solutions. Compare premium financial services in Dubai to find the right private bank for your wealth management needs. ## Management consultancy firm partners [Management consultancy firm partners](https://www.aesinternational.com/management-consultancy-firm-partners): Partner with us to navigate your complex career and wealth. Let us streamline your financial planning so you can focus on your global leadership. Book a Discovery Call today. ## Contact us [Ready to start the conversation? Contact us today](https://www.aesinternational.com/contact-us): Contact AES today and get back control, clarity and confidence over your personal global finances and business health & protection needs. ## Your trusted fiduciary [CEFEX® certified financial planners in Dubai | Fiduciary investment advisory](https://www.aesinternational.com/your-trusted-fiduciary): The only CEFEX® certified financial planners in AMEA. Our fiduciary services ensure expert investment advice, transparency, and peace of mind for your financial future.