Acuma is an independent financial consultancy that provides advisory services to international investors and expatriates in the Middle East. They offer a wide range of services including retirement planning, education planning, asset and wealth management, life insurance, foreign exchange, and an online fund platform. Acuma's expertise in global financial consultancy and knowledge of the local environment enables them to provide tailored financial advice to clients.

1. Independent, expert financial advice, wherever you are

3. Acuma is an independent financial consultancy that provides advisory services to international investors and
expatriates in the Middle East. Our knowledge of the local environment, along with our expertise in the field
of global financial consultancy enables us to offer tailored and trusted financial advice to all our clients.
Foreign Exchange
Estate Planning
Retirement Planning
Corporate Solutions
Wills
Property
Education Planning
Life Insurance
Pension Transfers
Lump Sum Investments
Structured Products
Online Fund Platform
About Acuma
3
Our services include:

4. If you are planning to retire abroad, you need to
give serious thought to how your pension will
provide you with the financial support and security
that you need.
As an expatriate living overseas, there are a number
of international investment possibilities that you
may want to consider. There are many beneficial
investments available to expatriate retirees that
could provide you with a supplementary income,
or even additional tax-free earnings.
International pensions can provide more benefits
than local pensions, such as greater tax efficiency.
Additionally, overseas pensions remain inheritance
tax-free and can be passed on to your beneficiaries
in whole in the event of your death.
Acuma recommends that you start planning your
retirement as soon as you can in order to make
sure that you and your family have the financial
coverage and support that you need in the future.
Retirement Planning
4

5. A good education is one of the most cherished and
long-lasting gifts that you can give to your children
- and you will want to make sure that you give
yours the very best.
With education costs climbing every year, it is
important to acknowledge the price of a good
education, especially if there is more than one child
in your family. Therefore, it is more important than
ever to plan ahead and make sure that you have
enough funds to meet these costs.
Planning in advance can provide you with the
financial security and peace of mind, allowing
you to rest assured that your children will get the
quality education that you want for them.
Education Planning
5

6. Acuma offers traditional and alternative investments across all major asset classes. We also provide wealth
management solutions to high-net-worth clients and family offices.
Since every client is different, we make sure that we utilise our individual sessions to assess your portfolio as
well as your medium to long-term financial goals and targets to come up with a wealth management plan
that is in line with your aims and expectations.
We offer a full range of services spanning investment solutions and wealth management and our expertise
ranges from traditional and alternative asset classes to active and passive investment strategies.
Acuma’s integrated client service teams allows us to provide a single point of access to our worldwide
capabilities.
Asset and Wealth Management
6

7. Life insurance is an essential part of any well
thought out long-term financial plan, as it
provides you with the serenity that your family
and loved ones will be protected no matter what
circumstances come your way.
A major concern for most people in the event of a
premature death is whether their family will be able
to maintain their lifestyle. They want to make sure
that their children’s education will not suffer and
that any outstanding loans and debts will be paid.
However, the type of international life insurance
you need varies from case to case, and you need
to assess the level of insurance required in order
for your family to maintain the same standards of
living in the event of your death.
Acuma understands the complexities of finding an
international life insurance plan that is adapted to
your needs.
Life Insurance
7

8. Acuma offers an innovative foreign exchange service which enables clients to trade all major world currencies
and make international payments in a fast, efficient and cost effective manner.
Our exchange rates on all major currencies are highly competitive, and we can guarantee the complete
security of your funds.
The key benefits of appointing Acuma as your main currency broker include free international payments,
forward contracts that enable you to fix your exchange rate for future transactions, a dedicated account
manager who can explain your options and help you obtain the best available exchange rates, free currency
specific market updates by email and proactive advice on hedging and risk management.
Acuma can also assist you in regular savings transactions, mortgage repayments and pension income,
amongst others.
Foreign exchange
8

9. The interactive online fund platform gives clients
24 hour access to more than 5,000 investment
funds from a number of leading fund houses -
wherever they are in the world.
It has been designed to address the diverse
investment needs of our expatriate clients and
international investors who are constantly on the
move.
Information available on the platform is provided
by Morningstar, one of the world’s leaders in
financial information. It enables clients to access a
variety of sophisticated tools, making it easier to
manage and track their investment funds on their
own terms.
9
Online fund platform

10. Property
10
Whether you’re looking for a gorgeous seaside
property where you can spend your time off as a
retired expat, or a canny property investor who’s
looking to make the most out of your portfolio
assets, property investment is one of the most
common and lucrative ways to invest your hard-
earned cash.
Our vast property portfolio boasts a diverse choice
of international properties that are ideal as a
second home or as a buy-to-let investment.
There are numerous benefits to investing in
property from portfolio diversification to inflation
hedging. However, if you decide to let your
property, it is likely that the money you receive
from your tenants will be enough to cover your
mortgage payments. Meaning that you can sit back
and watch your property grow in value without the
cost of a mortgage.

11. Integrity Energy Excellence
Dubai
Level 35
1 Sheikh Zayed Road,
H Hotel (Office Tower)
Dubai, UAE
PO Box 23940
Office: +971 4 503 4700
Email: info@acuma.ae

12. w w w . a c u m a . a e