Ari Wealth

Independent financial advice for individuals and families, whether your life is in one country or spread across several.

I'm Ari Vinotharajah. I'm based in Dubai, I do the work myself, and you get one adviser and one page that shows everything you own, wherever it happens to sit.

Start a conversationAbout Ari

If someone you trust sent you here, thank you. I look after people in the UK, the UAE and a good few other places. Asking people what they spend each month is part of my job, and "I don't know" is the most common answer. That's usually where we start. I do the work myself and I say what I think. If I'm not the right person for you, I'll tell you on the first call.

Ari

Ari Vinotharajah
Build and investA portfolio built for you, in an account or policy in your name, that moves country with you. It lives on your own private dashboard with your plan.
Protect the people who depend on youCover set up for the country you live in, with the right people named to receive it.
Move, structure and pass onWhere you live, what you own and who gets it, sorted before a move or a death forces the question.
Who I work withIndividuals and families, in one country or several. Some arrive with a lump sum, some with a monthly habit and not much saved yet, and I take both. Plenty of my clients have nobody depending on them, which changes the work rather than reducing it. If you are just starting, use the free plan on this site and come back when it is worth paying someone.
How it worksEverything you own on one dashboard first, then a plan, then we review it as life changes. What I do has the detail.
Not forDay-to-day banking, a one-off product with no plan behind it, or a quick trade. I'm also the wrong person if you want someone to pick shares, beat the market this year, or do something clever with tax you would not want written down. I'll say so on the first call and point you somewhere better.

At 54, this is the first time I've genuinely felt in control of my finances and confident in the decisions I'm making about my investments. I've never felt rushed or pressured, and I know I can ask Ari anything and he'll take the time to talk it through.

Lisa B.Client since 2019 · Read Lisa's words in full

What clients get

Your private dashboardEverything you own in one place, with market prices updating through the day: net worth, your portfolio, the plan, protection and wills status. Private to you, behind your own login. Have a look at an example, or if you're already a client, Client login is top right and a one-time code arrives by email.
Live marketsIndices, currencies, commodities and what is actually working this year, live on the Markets page. Clients get the full tracker alongside their dashboard, with every name I follow and a line from me each morning.
A free plan in five minutesPut your numbers in, press send, and a plan lands in your inbox as a PDF. No sign-up, nothing to buy. Try it.

Worth reading

The things I end up saying twice a week, written down once.

Do these four things before you invest a pennyMost people want to talk about investing. Nine times out of ten that is not where we start.A will written at home may not do what you think out hereYour will does not follow you. Assets are dealt with where they sit, and that surprises almost everyone.Waiting for a better moment costs more than getting the moment wrongThe most expensive thing most people do with money is nothing, and it is quiet, so nobody notices.

All notes

About Ari

I left investment banking for financial advice, and then the UK for Dubai, with a suitcase. A lot of my clients have made a move like that. Some never have.

I look after individuals, families and business owners, some whose whole life is in the UK or the UAE, and plenty whose money, family and future sit in more than one country. People who moved for work and stayed, whose children will grow up somewhere else again. The questions are the same everywhere. Where should the money sit? What happens to the family if I'm not here? And how do we hand it on without paying more tax than the rules require, in one country or two?

You deal with me. I keep the number of clients I look after small enough that I know each one without opening a file, and most of them came because another client sent them. When something needs a lawyer or a tax specialist, I bring one in, yours or one I trust, and I stay in the room.

What I tell my own sisters is what I'll tell you. Keep it simple. Own things in the right names. Insure the person the family can't afford to lose. And don't pay anyone for complexity you don't understand.

My clients are spread around the world, so most of what we do happens on a call and a shared screen. When I'm in your city, we meet.

Ari Vinotharajah

What my clients think

It's been reassuring to have someone we can trust and rely on for honest advice.

Pip & Dean W.Clients since 2019 · Read what clients say

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Testimonials

What my clients think.

In their own words, unedited, shown with their permission as first name and initial. They describe their own experience, and nobody's outcome is guaranteed. If you would like to speak to one of them before you speak to me, ask and I will make the introduction.

I've been with Ari for several years now and I honestly couldn't recommend him highly enough.

What I really like about Ari is how straightforward he is. He explains things in a way that actually makes sense, without complicated jargon or making you feel like you should already understand it. Whatever your level of knowledge, he takes the time to explain things properly and makes investing feel achievable rather than daunting.

At 54, this is the first time I've genuinely felt in control of my finances and confident in the decisions I'm making about my investments. I've never felt rushed or pressured, and I know I can ask Ari anything and he'll take the time to talk it through.

What also really stands out is that Ari cares about much more than just the money. He takes an interest in you and your family and you can tell that values and morals are really important to him. I've always felt that he is honest, genuine and has my best interests at heart.

For me, Ari has taken something that once felt complicated and made it something I actually understand and feel confident about.

Lisa B.Client since 2019

We just wanted to say a heartfelt thank you for all Ari's help and support. We really appreciate the time he takes to listen, explain things clearly, and guide us through the decisions we've had to make.

He helped organise our wills in the UAE and moving to Europe, Ari takes care of all the tax implications. He also set up our investment and retirement portfolio, along with our life and critical illness cover, which included handling a claim for me. It's been reassuring to have someone we can trust and rely on for honest advice, especially when having 4 kids at university sometimes requires emergency funds being withdrawn!

Thank you Ari for your patience, professionalism, and genuine care. We are very grateful for everything you've done and have confidence in you moving forward.

Pip & Dean W.Clients since 2019

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What I do

Three things I do, wherever you live.

How it works

Everything on one dashboard: every country, account, property, loan, policy and adviser you have. Most people have never seen theirs written down. We look at what's doubled up, exposed, or in the wrong name or the wrong place. Then one plan across investments, protection and structure. After that we review it as where you live, your family and the rules change.

Build and investMost people I meet have money in three or four places, in more than one currency, with nobody looking at the whole. I build one portfolio, globally diversified, held in a structure designed to move with you if you ever change country. We agree the rules for adding money, taking profits and rebalancing up front, so decisions aren't made in the moment. Lump sum, monthly, or both, the discipline is the same.
Protect the people who depend on youIf something happens to you, the people you leave behind shouldn't have to work out which country's policy applies, or find out that none does. I arrange life, critical illness and income cover, check it still stands if you move country, and make sure the right people are named to receive it. Then I review it every year, because families and mortgages change.
Move, structure and pass onIf everything is in one country this is still worth doing: the right names on the right things, and a will that works. If it's in two or three, the rules don't agree with each other and it matters more. I map what you own, where it sits and who should get it, then sort the holdings, ownership and wills so a move to another country doesn't mean starting again. Where a lawyer or tax adviser is needed, I work alongside yours or introduce one.

What it costs

The first conversationFree, around thirty minutes, nothing signed. If I'm not the right person you'll know by the end of it, and that costs you nothing either.
The planFree. The planner on this site does the first pass, and the fuller version comes out of the early meetings. I don't charge you to tell you what you already own.
OngoingA yearly percentage of the money I look after, never more than 1% and lower on larger portfolios. Agreed in writing before anything starts and taken from your account rather than invoiced. The platform and the funds have their own charges, which I show you in writing before you sign. On insurance the insurer pays a commission and I show you what it is before you sign. That is the whole list: no initial fee on top, no charge per meeting, and no exit penalty from me.

You see the exact number in writing before you commit to anything, and you can leave whenever you like without paying me to go. If you're not sure which of these you need, that's usually the first conversation.

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Corporate workshops

Bring me in to talk to your people about money.

Most people at work have never had anyone explain this to them properly. They have a pension they have never looked at, a will they have not written, and a vague worry that they should be doing something. An hour in a room with someone who will answer the awkward questions changes that, and it costs the company almost nothing.

I have run these sessions for teams at Deloitte, KPMG, EY, DLA Piper, Standard Chartered, DP World, Arup and Honeywell, and for schools and nurseries across Dubai. In person here, or by webinar anywhere.

One page summary (PDF), if it is easier to forward to whoever signs this off.

Financial planning, from scratchThe one most companies ask for. Where your money actually goes, what an emergency fund is for, the order to do things in, and what to do with what is left. No jargon and no products.
Investing, explained properlyWhat markets do over a long stretch, why timing them fails, the difference between risk and volatility, and what charges quietly cost you. People leave able to read their own statement.
Family and estate planningWills, guardianship and what happens to your assets if you die while living abroad. The session people thank you for later, and the one nobody organises for themselves.
How it runsForty-five minutes to an hour, plus questions, which is usually the best part. Lunch and learns, benefits days, onboarding weeks, or a standalone evening for partners and spouses.
Nothing is sold in the roomNo pitch, no sign-up sheet, no products mentioned. If anyone wants to talk afterwards they come to me, and plenty do. That is the whole arrangement and it is why companies have me back.
What I need from youA room or a webinar link, a rough headcount, and a sense of who is coming. Graduate intake and senior partners need different sessions and I will tell you which one fits.

Ask about a session

Which session?
In person or online?
Your details

What happens next

I come back to you myself, usually within a working day, with a couple of dates and a one-page outline of what the session covers so you can circulate it internally. If the fit is wrong I will say so.

Cost

Tell me what you have in mind and we will sort it out. For most companies these sessions are a staff benefit rather than a line item, and I would rather agree that on a call than put a price list on a website.

Sessions are educational. Nothing in them is personal financial advice, and nobody is asked to buy anything.

Free plan

Your money, sorted on one page. Five minutes, free.

It's the same set of questions I ask on a first call, so it's a good way to get your numbers straight before we speak. Income, cash, costs, what you own, what you owe. It works out your emergency fund, the order to do things in, and what you could be investing once the basics are in place.

Press send and it arrives in your inbox as a PDF. I get a copy. If there's something in it worth a conversation, I'll get in touch. If there isn't, you've still got the plan, and you won't hear from me unless you want to.

Open the planner

Works on a phone. Pick your country at the top and it switches currency and the usual costs for where you live. Your numbers stay in your browser until you press send. It's a budgeting tool, not advice.

What it asks

What comes in each month. What's in the bank. The bills that hit every month, the ones that hit once a year, and roughly what you spend living. Anything you own that isn't cash: property, pensions, investments, crypto. Anything you owe.

What you get back

Your monthly surplus, your emergency fund target and how far off it you are, a foundation checklist in the right order (expensive debt, cash, cover, will, then investing), how much is genuinely investable, and a monthly money flow you can set up once and forget.

What happens next

No mailing list and no cold calls. If something in your numbers looks worth a word, I'll send you one email saying so, and if you don't reply that's the end of it.

Start a conversation

A few lines and I'll come back to you myself.

Takes a minute, and it saves us both a call that goes nowhere.

What's on your mind? Pick more than one if it's more than one.

Your details go to me and nobody else. I reply myself, usually within a working day, Dubai time.

What the first call is like

Thirty minutes, on the phone or a video call, or in person if I'm in your city. No paperwork first and no pitch. You tell me what's on your mind and I ask the questions I'd ask my own family. By the end I'll tell you plainly whether I can help, and if I can't, who might. Nothing is signed and nothing is charged.