4 key questions for expats in the uAE to ask before retiring

4 key questions for expats In the UAE to ask before retiring

Could you retire early? When to Retire: The Expat's Planning Guide can help you make this important decision.

[specifically for expats in the UAE with a portfolio worth 250k £/€/$) or more]

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Meet the author

Stacey Wareing

Managing Director at Aapex Wealth Management

If you’re an expat living in the UAE… there’s a high chance your finances aren’t structured the way they should be.

Not because you’ve done anything wrong, but because the system simply isn’t built for people like you.

UK pensions left behind and poorly structured

Investments tied to the wrong country

Tax inefficiencies quietly eroding long-term wealth

No clear plan for where (or how) you’ll retire

“Am I actually making the most of what I’ve built?”

Stacey decided to write this guide to cut through the noise and educate expats on the reality of their financial planning in a simple manner.

You can gain access to the insights from a financial planner with over 27 years of experience offshore, specialising exclusively in cross-border planning for expatriates.

But more importantly, Stacey is an expat herself. She understands firsthand the uncertainty of living between countries, the frustration of dealing with UK-based assets abroad, and the lack of clear, trustworthy advice for internationally mobile professionals.

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"Aapex was hugely helpful in helping us to consolidate our UK pensions along with advising on and facilitating other financial matters too. Stacey is always responsive, attacks problems with creativity and determination and has proved to be a consistent support over the last couple of years. I would very much recommend working with Aapex if you're relocating overseas or managing your financial affairs internationally."

- Alex B, Enterprise Account Director, Oracle

(Stacey's Client)

“Being an expat I am constantly being hounded by unqualified and greedy advisers working with the 'big' financial companies, and was hesitant to seek advice because of it.

However meeting Stacey and the Aapex team changed all of this

and I found her very trustworthy, understanding and she definitely puts my financial interests first.”

- Sarah, NEOM

(Stacey's Client)

"Stacey and the Aapex team helped me find my pension pot, which was more than what I anticipated. Furthermore, they put a personality to the process, staying accountable and outcome focused."

- Tom M, General Manager, CERTIS

(Stacey's Client)

"Living overseas I had no idea what to do about my pensions that are still in the UK. I had the pleasure to come across Aapex. They managed to sort out a pension I had 20 years ago which was frozen and another two pensions not doing much. They will all soon be sitting in one place, visible for me to see anytime. They took the time to visit me at home for regular meetings and explained everything in a way that I understood and not pushy with it.

I highly recommend anyone to contact Stacey and find out what she and the company can do to help you plan for your future.

- Sharon B, Learning Support Officer, Engineering Institute of Technology

(Stacey's Client)

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