retirement & college fees planning 
accumulating & managing your wealth
property financing consultation
unique method to enhance your investment returns
wills & certification 

​Accumulating & Managing Wealth

​​Investors should retain 3-6 months' earnings in cash for short-term needs, but surplus income should be invested to accumulate wealth for the future. You can start a regular savings plan from US$500 per month. Investing on a regular basis can reduce the risk of market timing and this can have positive effects on your portfolio in later years if you continue to invest in market troughs and remain invested until the financial markets fully recover.

If you have already saved, you will be seeking to manage your accumulated wealth. Leaving money in the bank will erode your purchasing power as inflation takes hold. We evaluate your risk tolerance, currency preferences, and investment time frame to construct bespoke portfolios to match your specific needs. If you have US$25,000 or more idle, we can help.

Retirement Planning & College Fees Funding

e all dream of retiring young with financial freedom but often, people start planning too late. Delaying your retirement planning beyond your 30's can have catastrophic consequences on your retirement pot. Indeed a delay of only 5 years can mean that pot might be half as full as when you know you should have started. It is simple, the earlier you start planning, the earlier you will retire. It is never too early to start retirement planning! 

College fees planning is a similar theory. You know when you will need the capital so if you start saving when your child is born, the cheaper it will be. Wait until your child is 5 years older and you may have to save twice as much. Add to that the continually rising costs of higher education especially for international students, and the need to start saving early is crucial.  ​

Property Purchase & Mortgage Financing

Many people purchase property, be that to live in or as an investment. However it is not an easy process and there are many factors to consider when buying property in Japan. 

We provide a bridge between you and lender. We have good lender relationships, we understand their requirements and how these relate to foreigners. We simplify the process and help you increase your chances of getting a mortgage at a good interest rate. Don't make expensive mistakes, lean on our experience and contact us for advice. We may be able to help those in long-term secure employment and are holders of the Permanent Resident's Visa. ​

For investors seeking property in the UK, we can refer you to specialists there to help you find a competitive mortgage solution.​​
Contact us today for a free, no-obligation consultation.

Enhancing Your Investment Returns
Everyone is keen to maximize their investment returns but that may mean having to adopt a higher risk strategy. For more adventurous investors, we employ an automated 'robo-type' fund tracking system to help derive maximum value from their investments.

The automated system pays no regard to market sentiment and other factors, simply identifying top performing funds on an investment account fund menu. It subsequently indicates when one fund is surpassed by another, at which point the client is alerted to switch funds. Without knowing the top performing funds, investors may not be maximizing growth potential and this is where our system can add significant value to your account. 

​Want to know the top performing funds on your investment account's menu? If you have an account with Utmost Worldwide, Zurich International, Friends Provident International, Quilter, or RL360 get in touch and we will let you know!
​Financial investments bear risk and their values may fall as well as rise. Past performance is no guarantee to future returns and you may not bet back the amount you invested. Clients are advised to invest only if they have a long-term horizon of 5-10 years or more.

Ancillary Services


​Making a Will
If for no other reason than peace of mind, we recommend clients write a Will especially if assets are held in various jurisdictions. Your written wishes can save significant expense for loved ones, expedite the release of your estate, and potentially save tax. We can introduce a Tokyo-based Will-drafting service.


​​Document Certification

AP Advisers is able to certify documents for certain financial institutions and investment product providers. Contact us to see if we can help.   
Enquire by emailing us: info@ap-advisers.com