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What is an X-Ray Review?

Most of us would seek a second opinion before undergoing a procedure or new treatment. This is the same approach, but focused on your financial life.

Designed for those with £500,000 or more, your goals will be discussed during a free preliminary consultation. You'll then get a diagnosis of any discovered financial obstacles you have or could potentially face in the future.


X-Ray Review

Make decisions with clarity, confidence and control

X Ray Review


Understand if your current lifestyle is sustainable or can be improved in the future.

X Ray Review


Appreciate all you have today and identify trade-offs that may be needed in the future.

X Ray Review


Identify gaps in investment, insurance, tax and estate planning areas of your life where you could make improvements.

The result of a previous X-Ray Review

Quilter International (formerly known as Old Mutual International)
Invested £1,123,500
Value before Second Opinion Review £1,082,015.28
Fees before Second Opinion Review 2.74%
Total fees after our recommendations 1.50%
Performance over 1 year after our advice +19.59%
Value before Second Opinion Review £285,125
Fiduciary standard

Advice we would give our loved ones.

We are independent fiduciaries.

Put simply, this means you get the same advice we give our family.

We don't get paid to sell certain funds and we don't have funds of our own.

Our priorities are simple.

Your best interest is first and foremost.


Ready to start the conversation?

We'll call, learn about you and help you decide if we're a good fit. It's that easy.



Asked Questions

What is an X-Ray Review?

Designed for senior international executives and business owners, an X-Ray Review gives you a close up, scientific, examination of any investments you currently hold. 

It allows you to find out all the charges you have paid, the contractual terms and levels of risk to which you are subject, and the performance you have received so far versus the benchmark. 

An X-Ray Review is designed to enable you to make a factually based, fully informed decision about the best options for your investments and your money moving forwards.

This will ultimately give you far greater peace of mind and help you to get and keep the life you want. 

Can I have an X-Ray Review for any policy?

We can help you analyse any form of regular or lump sum investment. 

The most common types of plans we look at are insurance based investments from companies such as Quilter International (formerly known as Old Mutual International), Generali International, Zurich International, RL360, Hansard International and Friends Provident International. 

We also look at the underlying investments in detail for you.

Why would I want an X-Ray Review and how would it benefit me?

Sadly, it’s a fact that most international professionals inadvertently hold out-dated investments that are expensive, inflexible and under perform.  This is because these are the types of investments that make expat financial 'advisers' the most money…

We often speak to expats who have lurched from adviser to adviser desperately seeking an unbiased second opinion when they realise their investments aren’t performing well – only to receive yet more conflicted opinion from another conflicted IFA.

We know that a proper scientific diagnosis of your financial position, that’s based on factual numbers and evidence, will yield you far better results in the long-run…and that is what we deliver with an X-Ray Review.

“Sunlight is the best disinfectant!” and the often-uncomfortable process of absorbing what your X-Ray Review shows you will enable you get far greater peace of mind moving forwards, because it will help you make the best decisions for the growth and protection of your wealth.

Your X-Ray Review will give you unbiased, unconflicted facts, evidence and options.  In our long history of creating them, we’ve never received anything other than thanks and positive feedback from recipients.

  • No obligation to use our services further.
  • Transparent fee-for-service structure.
  • Double check to ensure you’re on the right financial path to reach your goals.


How long will it take to receive an X-Ray Review?

This depends how long it takes you to ask your existing provider to give you the information we need to run the X-Ray Review. 

Once you give us the information we need – and we will help you source that information – we can complete your review within a few days. 

What is the minimum value my policy needs to be so I can have an X-Ray Review?

This service is for policies worth 500,000 GBP (or currency equivalent) and over. 

How does an X-Ray Review work?

We will educate you as to what you currently have in investments, insurance, tax, and estate planning documents and provide you with a detailed outline including recommendations to help address any gaps discovered on your current course.

Why should I trust an X-Ray Review from AES?

We are independent fiduciaries.We don't get paid to sell certain funds and we don't have funds of our own, so our priorities are simple. Your best interest is first and foremost.

We’re here to educate you on what you have, not sell you on products you don't need or understand. We can help you implement the recommendations we make if you want...or, you can do them on your own or with your existing professionals if you so choose.