Clear, ethical guidance for high net worth individuals, families and corporate houses in the UAE — backed by 25 years of banking and 10+ years of treasury experience.
Two separate advisory services. One point of contact. No obligation on your first call.
Start where your question is. Each service has its own consultation, its own disclosures and its own follow-up — so the advice you get always fits the decision in front of you.
For high net worth individuals, families and corporate houses who want a clear plan for today and the years ahead.
For UAE buyers, sellers, landlords and investors who want honest, well-informed property guidance.
When your financial goals include owning or investing in property, we look at both together — within approved advisory scope and with every disclosure made upfront.
Money and property decisions are often connected. The advice behind them should still be separate, transparent and in your own interest.
Abdul Razack works with High Net Worth Individuals (HNWI), families and large corporate houses. AREF was founded by Abdul Razack, a finance professional and former corporate banker with more than 25 years of banking experience in the UAE and more than 10 years of treasury experience as Group Treasury Manager in one of the largest diversified conglomerates in Dubai, UAE.
Every engagement begins with understanding your goals. Financial advisory and real estate advisory are delivered as two distinct services, each with its own disclosures — so you always know which capacity you are being advised in.
Planning savings, protection, retirement or education goals, and wanting a plan that is simple to follow.
Looking to strengthen treasury and financing decisions, protect what they have built and prepare for the next stage.
Navigating the UAE property market — first homes, upgrades, rentals or a growing portfolio.
Message on WhatsApp or send the form. Tell me which service you need.
15 minutes to understand your situation, timing and priorities.
A focused session on your goals, with clear disclosures before any advice.
Written next steps and options, explained in plain language.
Reviews as life, markets and goals change. No pressure in between.
A simple framework for savings, protection and long-term goals.
Read the guide → PropertyAffordability, fees, mortgage basics and questions to ask.
Read the guide → Local marketWhat buyers and investors are watching this quarter, and why.
Read the update →AREF is a newly established practice. Instead of reviews, here is what every client can hold me to from the first conversation.
You will know the capacity I am advising in, and any fees or commissions, before any advice is given.
We start with what you want to achieve. Options follow from that, never the other way round.
Every recommendation comes with the risks and trade-offs explained clearly, in writing.
No hard sell and no deadlines that aren't real. Take the time you need to decide.
Client feedback will be shared here as it comes in, only with consent and where regulations permit.
Still unsure? A short WhatsApp message is the fastest way to get an answer.
No. Most clients start with one. Financial and real estate advice are separate services; we only discuss them together when it is relevant to you and permitted.
We talk about your goals, timeline and current situation. You leave with clear next steps. There is no obligation to proceed.
The first consultation is complimentary. Any fees or commissions are disclosed before advice is given.
Yes. I work with non-residents and investors abroad for both financial and property guidance, subject to the applicable regulatory requirements.
No. No honest advisor can. I explain options, risks and trade-offs clearly so you can decide with confidence.
Tell me which service you need and I will reply within one business day — usually much sooner on WhatsApp.
Choose a service so your enquiry reaches the right path.
Abdul Razack provides financial advisory services as Managing Director of Abdul Razack Enterprise Finance Broker(AREF), licensed by Dubai Economy and Tourism (DET), Government of Dubai, Licence No. 1649197, and real estate advisory services.
Content on this site is general education, not personal financial, investment, legal or tax advice. Investments carry risk, values can fall as well as rise, and past performance is not a guide to future results. No returns are guaranteed.