Working with AES for Financial Advice for Expats in Japan: A Guide for Expats in Japan


As an expatriate living in Japan, managing finances can be a daunting task. Dealing with the complexities of foreign investments, tax regulations, and currency fluctuations can make navigating the financial landscape feel overwhelming. This is where AES comes in. With a team of Chartered Financial Planners boasting considerable experience, AES is perfectly positioned to provide comprehensive financial advice tailored to the unique needs of expats in Japan. This guide will explore the numerous reasons why partnering with AES is an excellent decision for your financial future.

  1. Expertise in Financial Planning for Expats

AES has a deep understanding of the specific challenges and opportunities that expats in Japan face when it comes to financial planning. Their advisers are knowledgeable about cross-border tax regulations, investment options, and currency management, ensuring that you receive accurate, up-to-date advice that is relevant to your situation.

  1. Chartered Financial Planners

AES takes pride in the fact that their advisers hold the highest level of UK qualification in financial planning. As Chartered Financial Planners, they have demonstrated their commitment to professional excellence, adhering to rigorous standards of knowledge, competence, and ethical conduct. When you work with an AES adviser, you can trust that you are receiving advice from a qualified expert with extensive experience in the field.

  1. Bespoke Financial Solutions

AES understands that each client’s financial situation and objectives are unique. As a result, they provide bespoke financial solutions that are tailored to your individual needs and goals. By taking the time to understand your personal circumstances, they can develop a comprehensive financial plan that aligns with your objectives, ensuring that you are well-positioned for long-term success.

  1. Holistic Approach to Financial Planning

AES takes a holistic approach to financial planning, considering all aspects of your financial life in order to provide a comprehensive, integrated plan. This includes reviewing your investments, retirement planning, tax strategies, estate planning, and risk management. By addressing each of these areas, they can help you optimise your financial position and maximise your wealth.

  1. Transparent and Ethical Practices

When it comes to managing your finances, trust and transparency are crucial. AES is committed to maintaining the highest standards of integrity and professionalism, ensuring that you can have complete confidence in their advice and services. They are transparent about their fees and charges, providing clear explanations and avoiding hidden costs.

  1. Access to a Global Network of Resources

As an international financial advisory firm, AES has access to a vast network of resources and expertise. This allows them to stay informed about global market trends, investment opportunities, and regulatory changes that may impact your financial strategy. By leveraging this global perspective, they can help you make informed decisions and capitalise on opportunities that may not be readily available through local financial advisers.

  1. Ongoing Support and Regular Reviews

Financial planning is an ongoing process that requires regular review and adjustment. AES is committed to providing long-term support, ensuring that your financial plan remains aligned with your objectives as your circumstances evolve. They conduct regular reviews, providing you with updates and recommendations to help you stay on track and adapt to any changes in your financial situation or the broader economic landscape.

  1. Emphasis on Financial Education

AES believes that informed clients make better financial decisions. To this end, they place a strong emphasis on financial education, providing you with access to a wealth of resources and insights that can help you gain a deeper understanding of your financial options and the broader market environment. This empowers you to take control of your financial future and make informed decisions that align with your goals.

  1. Expertise in Currency Management

Currency fluctuations can have a significant impact on the value of your investments, particularly for expats who may have assets in multiple currencies. AES advisers are skilled in currency management, helping you to navigate the complexities of foreign exchange and protect your wealth from currency risks. They can provide guidance on currency conversion strategies, foreign currency accounts, and hedging techniques to ensure that you make the most of your global assets.

  1. Retirement Planning for Expats

Planning for retirement can be a complex process, particularly for expats who may have pensions and assets in multiple countries. AES has extensive experience in advising clients on cross-border retirement planning, ensuring that your retirement strategy is optimised for your unique circumstances. They can help you navigate international pension regulations, consolidate your pensions if appropriate, and develop a retirement income plan that meets your needs and objectives.

  1. Tax Planning Expertise

Understanding and managing your tax obligations is a crucial aspect of financial planning for expats. AES advisers are well-versed in the intricacies of cross-border tax regulations and can provide guidance on tax-efficient investment strategies, residency considerations, and tax reporting requirements. Their expertise in this area can help you minimise your tax liability while ensuring that you remain compliant with the relevant tax authorities.

  1. Estate Planning and Wealth Preservation

Protecting and preserving your wealth for future generations is an important aspect of financial planning. AES can help you develop an estate plan that takes into account your unique family dynamics, asset structure, and tax considerations. By addressing these issues proactively, they can help you ensure that your wealth is preserved and passed on to your loved ones in the most efficient manner possible.

  1. Risk Management and Insurance Solutions

Protecting your assets and your family’s financial security is a crucial component of a comprehensive financial plan. AES can help you assess your risk exposure and recommend appropriate insurance solutions to safeguard your wealth and provide for your loved ones in the event of unforeseen circumstances. This may include life insurance, income protection, critical illness cover, or other forms of insurance tailored to your needs and circumstances.

  1. Expanding Your Investment Horizons

With a global perspective and access to a wide range of investment options, AES can help you broaden your investment horizons and capitalise on opportunities that may not be available through local financial advisers. They can provide guidance on international investment strategies, diversification, and risk management to help you build a robust and well-rounded investment portfolio.

  1. A Long-term Partnership

When you work with AES, you are not just engaging a financial adviser; you are forging a long-term partnership with a team that is committed to helping you achieve your financial goals. By providing ongoing support, expert advice, and a commitment to excellence, AES is the ideal partner for expats in Japan seeking comprehensive financial guidance.


Navigating the complexities of financial planning as an expat in Japan can be a challenging endeavour. By partnering with AES, you gain access to highly qualified Chartered Financial Planners with the expertise and experience necessary to guide you through this process. From bespoke financial solutions and a holistic approach to financial planning to transparent practices and ongoing support, AES offers a wide range of benefits that make them an ideal choice for expats in Japan seeking sound financial advice. Don’t leave your financial future to chance – work with AES and take control of your financial destiny.

Contact us today for a fee-free initial meeting to understand how we can help you to achieve your financial goals and objectives. 


About AES Adviser

AES Adviser advises expatriate clients worldwide on all financial planning matters including wealth management, estate planning, offshore bank accounts, savings and investment, insurance, multi-generational wealth transfer and generating income, from wealth accumulated, to support retirement.