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A clear view of where you stand and a plan for where you are going

Financial planning

Financial planning is the process of setting out your goals, mapping your income, spending, assets and obligations, and agreeing the steps that connect them. It suits professionals, executives and families in the GCC, including expatriate residents whose finances span more than one country and currency.

Financial planning brings your income, spending, assets, obligations and goals into one picture, so that decisions in one area are made with the others in mind.

The result is a plan you can act on and return to as your circumstances change.

A plan is only useful if it reflects your whole position. For many clients in the Gulf that includes property, savings and end-of-service benefits in more than one country, education costs in another currency and family commitments at home. We bring these into one written plan, explain the choices it involves and, where ongoing advice is agreed, review it usually at least once a year, or sooner if your circumstances change.

Planning is not a one-off exercise. Salaries change, families grow, and plans to stay in or leave the Gulf can shift. Because the plan is written down with its assumptions, it can be updated without starting again, and you can see which goals have moved and why.

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Challenges we address

  • Several financial goals competing for the same resources.
  • Uncertainty about whether current saving and spending will support future plans.
  • Cash held without a clear purpose, or too little liquidity for upcoming commitments.
  • A major change ahead: relocation, a growing family, a career move, education costs or a property purchase.
  • Assets spread across countries and currencies, which makes the overall position hard to see.

Our approach

Set goals
We help you name and prioritize your goals, with a realistic cost and timeline for each.
Map your position
We build a statement of your assets, liabilities, income and commitments across all jurisdictions.
Plan cash flow and liquidity
We assess how much you need readily available and how much can be invested for the longer term.
Model scenarios
We look at how the plan holds up under different assumptions, without presenting any projection as a promise.
Agree actions
We set out clear next steps and who is responsible for each.

Who it may suit

  • Professionals and executives whose finances have become more complex.
  • Expatriate residents in the Gulf planning across more than one country.
  • Families preparing for education costs, a home purchase or other major commitments.
  • Anyone who wants a structured second opinion on their overall plan.

The process

  1. Goals conversation

    We discuss what you want to achieve and by when.

  2. Information gathering

    We collect the details needed to build your financial picture.

  3. Analysis

    We assess cash flow, liquidity, risk and progress toward each goal.

  4. Plan presentation

    We present the plan and discuss the choices it involves.

  5. Follow-up

    We review progress at agreed intervals or when life changes.

What you may receive

  • A written financial plan with prioritized goals.
  • A personal balance sheet and cash flow summary.
  • A liquidity and emergency reserve recommendation.
  • An action list with responsibilities and timelines.

Questions

How long does it take to prepare a financial plan?

It depends on complexity. A typical plan takes a few weeks from the first information-gathering meeting to presentation.

Do you give tax advice?

No. We take tax considerations into account and coordinate with your tax adviser, but we do not provide tax advice.

How is a financial plan different from investment advice?

Investment advice focuses on how your capital is invested. A financial plan looks at your whole position first: goals, cash flow, liquidity, commitments and timing. Investment decisions then follow from the plan. Many clients start with a plan and add investment advice later, but the scope is always your decision.

Can you plan across more than one country?

Yes. Many clients hold assets, savings or obligations in more than one country and currency. We bring these into one picture and coordinate with your tax adviser where a decision has tax consequences, since we do not give tax advice ourselves.

What should I prepare before a first conversation?

Your main goals and when you hope to reach them, a rough idea of your income, spending, assets and commitments, and any changes ahead, such as a move or education costs. Please do not send account statements or identity documents before we have agreed to work together.

This page describes a service in general terms. Whether it is suitable for you depends on your circumstances, and it is offered only in jurisdictions where Aurelius Capital is authorized to provide it. Investments can fall as well as rise in value, and you may get back less than you invest. Nothing on this page is a promise of any financial outcome.

Related reading

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Ready to talk about your plans? Schedule a consultation.

Tell us what you are planning for. An adviser will arrange an initial conversation in English or Arabic at a time that suits you.

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Requesting a consultation does not create an advisory relationship. Any formal engagement is agreed separately in writing.