retirement & college fees planning 
accumulating & managing your wealth
property financing advice
increase the potential for higher investment returns
wills & certification 

​Accumulating & Managing Wealth

​​We recommend you retain at least 3-6 months' earnings in cash for short-term needs, but the surplus could be invested to accumulate wealth for the future. Investing smaller amounts on a regular basis can reduce the risk of market timing and can have positive effects in later years if you continue investing in market troughs and remain invested until markets fully recover.

If you have already have cash in the bank, you may wish to invest your accumulated wealth. We evaluate your risk tolerance, currency preferences, and investment time frame to shape a bespoke portfolio to match your specific needs, whether that is for capital growth, income or both.

Retirement Planning & College Funding

We all dream of retiring with financial freedom but many people start planning too late. A delay in funding can have significant consequences on your retirement pot. Indeed a delay of only 5 years may mean you need to save twice as much to achieve the same outcome at retirement. 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. The continual rising costs of higher education emphasises the need to start saving early is crucial.  ​
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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. 

Don't make expensive mistakes, lean on our experience and contact us for advice. ​

For investors seeking buy-to-let property in the UK, we can refer you to specialists to help you find a competitive mortgage.




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Contact us today for a free, no-obligation consultation.
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  get back the amount you invested. If you seek to invest in risk-based assets, you should adopt a long-term horizon of 5-10 years or more.   

Ancillary Services


​Making a Will
If only for peace of mind, people should probably write a Will especially if assets are held in various jurisdictions. Your written wishes can save significant expense for loved ones and expedite the release of your estate. We can introduce legal professionals who offer a Will-drafting service.


​​Document Certification

AP Advisers is able to certify documents for certain financial institutions. Contact us to see if we can help.   
Enquire by emailing us: [email protected]