Clear vision leads to successful investment

We are an independent Multi-Family Office in Dubai specialising in inheritance planning, PPLI, ULIP, trusts and foundations — helping international clients and expats protect their wealth and transfer it to the right people, in the right way, across the right jurisdictions.

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Global Insurers

Jurisdictions

Languages

Independent

Insights & Knowledge

Expertise you can
read and trust

In many European and international jurisdictions, heirs face inheritance tax of 20–60%. Without proper planning, families are forced to sell assets just to pay the bill. We prevent this — through smart insurance structuring and legal expertise.

⚠ Without Planning

What your heirs may face

⚠ Inheritance tax up to 40–60% of estate value in many European countries

⚠ Heirs must pay in cash — often forced to sell property, business or investments

⚠ Assets in multiple countries face multiple layers of taxation simultaneously

⚠ Without proper structure, assets may not reach the intended beneficiaries

✦ With Leader Wealth

How we protect your legacy

✦ PPLI policy structured so the face amount covers the inheritance tax bill — heirs keep the full estate

✦ Assets pass directly to named beneficiaries — bypassing probate entirely

✦ Cross-border structures compliant across multiple jurisdictions simultaneously

✦ Full privacy — your assets and structure are shielded from public record

✦ Built on PhD-level banking law expertise — legally bulletproof

Our Solutions

Structured for your
unique situation

✦ PPLI policy structured so heirs keep the full estate

✦ Assets bypass probate — directly to beneficiaries

✦ Compliant across multiple jurisdictions

✦ Full privacy — shielded from public record

✦ PhD-level banking law — legally bulletproof

Private Placement Life Insurance (PPLI)

The most powerful tool for inheritance planning. A bespoke offshore life insurance structure that transfers your assets to specific beneficiaries — privately, tax-efficiently, and across any jurisdiction. Acts like a trust, with greater flexibility and confidentiality.

InheritancePrivacyTax EfficientCross-Border

Unit-Linked Insurance Plan (ULIP)

Offshore investment-linked insurance combining life coverage with market-linked growth. What banks cannot offer — we structure through 50+ global insurers. Tax-efficient growth, asset protection, and succession planning in one solution.

InheritanceLife CoverOffshoreFlexible

Trusts & Foundations

Legally robust structures for multi-generational wealth transfer. We design and implement private trusts and foundations tailored to your family situation, jurisdiction and tax position — ensuring your legacy reaches the right people in the right way.

LegacyMulti-GenLegalEstate

Inheritance Tax Planning

European inheritance tax can reach 60%. We structure life insurance policies so the face amount covers the tax bill — allowing heirs to receive the full estate intact. A legal, proven strategy used by HNW families across Europe and the Middle East.

EuropeTaxInsuranceHeirs

Wealth Structuring & Asset Protection

Cross-border structures protecting assets from legal, political and tax risk. Designed for internationally mobile clients with complex holdings across Europe, Middle East and Asia — always under locally licensed regulatory frameworks.

ProtectionCross-BorderRegulated

Independent Second Opinion

Many clients are overpaying, underprotected, or holding structures not optimised for their jurisdiction. We provide an independent review of your existing policies — at no cost, with no obligation, and no conflict of interest.

IndependentIndependent ReviewNo Obligation

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Who We Serve

Private clients &
professional partners

Expats in UAE with European or International Assets

You live in Dubai but hold property, investments or business interests in Europe. We structure your inheritance and protect these assets from European taxes — legally and privately.

Families Planning Multigenerational Wealth Transfer

PPLI, trusts and foundations designed to transfer your estate to your children and grandchildren — bypassing probate, minimising tax and ensuring your wishes are respected.

Business Owners & Entrepreneurs

Keyman insurance, shareholder protection and business succession planning. We ensure your company continues and your family is protected — regardless of what happens.

International HNW Clients Seeking Tax Efficiency

ULIP and PPLI structures allowing your investments to grow with zero or deferred tax exposure — compliantly structured across your specific jurisdictions.

We build long-term partnerships with professionals who serve the same internationally mobile, HNW client base. You focus on your expertise — we handle the insurance and structuring. Everyone earns. Everyone wins.

Lawyers & Legal Advisors

Your clients need insurance wrappers and PPLI — we provide them. We also select bespoke insurance programmes for Shareholders' Agreements (SHA) — protecting your clients' business from day one. Commission on every closed policy.

SHA · Business Protection

Tailored insurance structures for buy-sell clauses, keyman cover and shareholder protection — designed alongside your legal drafting.

Private Bankers & Banks

Every bank has a limited product lineup. When a client asks for something you can't offer — offshore ULIP, PPLI, inheritance structuring — the risk is losing them entirely. We remove that risk.

The non-threatening approach

You stay the primary relationship. We handle what's outside your lineup — under a referral agreement, with full transparency. Your client stays loyal. You earn additional income. No compliance exposure.

Accountants & Tax Consultants

PPLI and ULIP reduce tax exposure legally — across multiple jurisdictions. We complement your tax work perfectly.

Real Estate Agents

Every property buyer in Dubai needs a will, life cover, and inheritance plan. You close the property — we protect the wealth. Natural partnership.

Become a Partner

Formal written agreements, transparent commissions

Every partnership is formalised with a clear referral agreement defining scope, commission and client ownership. Monthly reporting, joint meetings welcome.

✦ We connect Wealth Managers, IFAs, Lawyers, Private Bankers, Real Estate & Insurance specialists

✦ Case studies, market insights and exclusive partner content — not available elsewhere

✦ We connect Wealth Managers, IFAs, Lawyers, Private Bankers, Real Estate & Insurance specialists

Strict Non-CompeteWritten AgreementMonthly Reporting

Become a Partner →Join the Channel

We don't sell products. We analyse your situation, compare the market, and structure the optimal solution — often saving clients from structures that were costing them more than they knew.

✦ 100% independent — 50+ global insurers compared

✦ Independent second opinion on existing policies

✦ Cross-border structures in 15+ jurisdictions

✦ Operating under local regulatory licences

✦ Full confidentiality and asset protection

✦ Service in 5 languages

Book a Consultation →

Partner Ecosystem

We invite all professionals
to cooperate with us

Lawyers & Legal Advisors

Estate planning, inheritance law, asset protection structures. Your clients need insurance wrappers and PPLI — we provide them. When drafting a Shareholders' Agreement (SHA), we select bespoke insurance programmes to protect the business and each shareholder — making your legal document truly enforceable.

→ SHA insurance · PPLI · Commission on every closed policy

Private Bankers & Banks

A narrow product lineup is not a weakness — it's an opportunity. When a client needs something your bank can't offer, refer them to us. They get the solution. You retain the relationship, strengthen their loyalty and earn commission. We never compete with you for the primary client relationship.

→ No compliance risk · Your client, always yours · Referral agreement in place

Accountants & Tax Consultants

PPLI and ULIP reduce tax exposure legally — across multiple jurisdictions. Complementary to your tax work.

→ Mutual client referrals

Real Estate Agents

Every property buyer in Dubai needs a will, life cover, and inheritance plan. You close the property — we protect the wealth.

→ Commission + added client value

Golden Visa & Citizenship Providers

Your clients are going global. Their wealth needs to go global too — structured across jurisdictions, protected from international taxes.

→ Complementary services, shared clients

Trustees, Family Offices & Corporate Services

We work alongside trustees and family offices as an insurance specialist. PPLI, ULIP and life cover — we bring what you don't offer in-house.

→ Formal partnership agreements available

Insurance Agents & Brokers

Your existing lineup covers life, health and standard products — but your clients increasingly ask for PPLI, ULIP, offshore structures and inheritance planning tools that you cannot currently offer.

→ Referral agreement · Commission · No client poaching

Wealth Professional Network

Private Telegram community · Finance professionals only

Join Channel →

Our Commitment to Every Partner

The number one concern: "Will they try to take my client?" Our answer is no — in writing, every time. We operate strictly within our defined scope: insurance wrappers, PPLI, ULIP and wealth structuring only. Your client relationship is always primary and always protected.

Strict Non-Compete Scope

Insurance and structuring only — never legal, accounting or tax filing advice. That stays with you, always.

Formal Written Agreement

Every partnership is formalised with a clear referral agreement defining scope, commission and client ownership.

Transparent Commission

You receive a defined share of commission when your referred client takes out a policy. Paid promptly, every time.

Monthly Reporting

Monthly status updates on all your referred clients — so you always know where things stand without chasing us.

Joint Meetings Available

We welcome your presence in any client meeting. We work as your specialist partner — not as a replacement.

PhD Legal Background

Roman Kurganov's academic expertise means every structure is legally sound. Your clients — and your reputation — are protected.

Roman Kurganov

Independent Wealth Advisor & Legal Expert

About the Founder

Academic expertise
meets practical mastery

Roman Kurganov is not merely a wealth advisor — he is an academic researcher and PhD in Banking Law. This rare combination means that every structure we build is not only commercially effective but legally bulletproof.

Why Academic Research Makes a Difference in Practice

Most financial advisors know the products. Roman knows the law — at an academic level. His research in banking law means he examines every structure with the same rigour as academic peer review — identifying legal and regulatory risks that standard practitioners overlook. When Roman signs off on a structure, you can be certain it will hold up in any jurisdiction.

Roman has worked with clients across Europe, the Middle East and CIS countries — building a global network of licensed partners in 15+ jurisdictions. He speaks five languages fluently: English, Russian, French, Arabic and Bulgarian — serving clients in their own language, anywhere in the world.

PhD in Banking Law

Academic researcher with deep theoretical and practical expertise in banking and financial law across multiple jurisdictions.

MDRT Top of the Table · Since 2022

Member since 2022 — Qualifying Member, Court of the Table and Top of the Table. Top 1% of financial professionals globally, recognised by the Premier Association of Financial Professionals.

CISI Member

Chartered Institute for Securities & Investment — one of the most respected professional bodies in global financial services.

5 Languages

English, Russian, French, Arabic and Bulgarian — serving clients across Europe, Middle East and internationally.

Verified Credentials

MDRTMember since 2022

Million Dollar Round Table

The Premier Association of Financial Professionals®

✦ Top of the Table®
Highest MDRT membership tier — top 1% of financial professionals globally

✦ Court of the Table®
3× the MDRT production requirement

✦ Qualifying Member
Full MDRT membership — upheld annually

Issued by: Million Dollar Round Table, Park Ridge, IL, USA · mdrt.org

AcademicPeer-Reviewed Research

Scientific Publications

Scopus · Web of Science

✦ Scopus-Indexed Research
Published in internationally peer-reviewed journals indexed by Elsevier Scopus — one of the world's largest abstract and citation databases

✦ Web of Science
Research cited in Web of Science — the global standard for academic impact measurement in law, economics and finance

✦ PhD in Banking Law
Doctoral research in banking and financial law — theoretical rigour applied directly to client structures

When you work with Roman, you are not working with a practitioner alone — you are engaging a published legal academic whose structures are built to withstand scholarly and regulatory scrutiny.

Cross-Border Operations

We operate where
your assets are

In every jurisdiction we operate, we work through a locally licensed and regulated partner — giving clients an additional layer of regulatory protection and legal certainty.

АЕUAE · Dubai

Licensed Referral Partner

Clients referred via referral agreement · Compliance conducted by licensed partner

EUEurope

Locally Regulated Partners

Luxembourg · Ireland · Liechtenstein · Isle of Man

SGSingapore

MAS Regulated Partners

Asia hub · PPLI & ULIP solutions

🏝️Bermuda & Cayman

Offshore Regulated Partners

Offshore structuring · Insurance

How We Operate in the UAE

Your protection is our legal commitment

Leader Wealth Management — FZCO is not a licensed financial services firm. We operate as an independent advisory firm and work through a formally appointed, licensed partner for all regulated activity in the UAE.

When you engage us, your matter is referred to our licensed partner under a signed referral agreement. The licensed partner conducts full KYC and compliance checks in line with UAE law and local regulatory requirements. This structure ensures that every client is protected by the full weight of regulatory oversight — not just by our commitment, but by legal requirement.

01 You contact Leader Wealth
Initial consultation, assessment of your situation and needs

02 Referral to licensed partner
Your matter is formally transferred under a signed referral agreement

03 KYC & compliance conducted
Full regulatory compliance performed by the licensed entity

04 Solution structured & delivered
You receive a compliant, fully protected wealth structure

Business Brunches

Where ideas meet
opportunity

From our last gathering

Dubai, Jumeirah · 2025

We host exclusive gatherings for internationally minded professionals, entrepreneurs and HNW individuals in Dubai — bringing together legal, financial and investment expertise in an intimate setting.

18 participants

Private Business Brunch · Dubai, Jumeirah

Upcoming Event

Business Brunch —
Summer Edition 2026

A closed-format gathering for senior professionals who work with internationally mobile, high-net-worth clients. We discuss inheritance law, PPLI structuring and cross-border wealth protection — over a relaxed brunch in the heart of Dubai.

Seats are strictly limited to 20 participants. Registration does not guarantee attendance — we personally review each application to ensure a relevant, senior professional composition. If confirmed, you will receive a private invitation with the date, venue and format details.

Inheritance PlanningPPLI & ULIPFoundations & TrustsHNW ClientsHNW Clients

Join Waiting List

We review each application
personally and confirm by WhatsApp or email

· Closed-format · Invite only

Exclusive Guide

Your complete guide to
inheritance planning
from Dubai

A practical, expert-written overview of how internationally mobile families and expats in the UAE can protect and transfer their wealth across jurisdictions — privately, legally and tax-efficiently.

✦ How PPLI replaces a trus

✦ Probate: how to bypass it entirely

✦ EU inheritance tax by country

✦ ULIP vs bank investment products

✦ Who needs a foundation vs trust

No spam. Your data is fully confidential and used solely to send the guide.

The Expat's Guide to Inheritance Planning

Leader Wealth

Leader Wealth Management — FZCO · Dubai

Insights & Knowledge