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SME’s in the UAE often find themselves living in “no man’s land” – too big to operate like a small business and too small to operate like a big business. This is especially true with regard to assessing the business financially in order to improve operational efficiency and save on costs. A very necessary emphasis on top line growth, along with a lack of the right tools and/or financial background, makes it very challenging for SME owners to sit down, gather data, analyze, plan and then execute. Moreover, a deeply-rooted personal investment in the business can lead to subjective biases that makes rational performance appraisal difficult. Sometimes you need a third-party, objective perspective. There are, however, solutions to these challenges. 

You probably already know…the Economist recently wrote an article about the large retirement pension gap between men and women. There is a strong and pernicious gender pay gap (ranging from $.40 for women vs. $1.00 for men in Angola to $.88 for women vs. $1.00 for men in Rwanda according to the World Economic Forum). I was proud to see that the UAE, where I live, is ranked 8 out 135 for wage equality. Regarding Europe, Mercer recently released a report showing the size of women’s pensions is 40% less than their male counterparts. 

If you have lived in the UAE for any length of time you know two things: 
Investing in our children’s education today will make all the difference for their future. It is a demanding world and we want out children to be capable of competing well. We also want our children to experience the highest quality of education for their own personal enrichment. Every parent wants the best for their child, but being able to pay for it is not always easy.
Why You Won't Be Able To Retire

The vast majority of us save money and invest it so that when we are older we don’t have to work anymore. We would like to think that the financial advisor managing our money does so with our best interest in mind. But does this really happen?

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