In volatile markets you need sound strategy, wise counsel and the encouragement to stay the course. Hatim and the Vault team genuinely understand my goals — seasoned professionals I trust.
Dean MorozPartner — Ashurst
You’ve outgrownsimple investing
Plan your wealth with structure, fully digitally.
CMA-licensed in Saudi Arabia (licence 25313-20), based in Riyadh.
Work directly with a dedicated wealth advisor.
Plan your future in seconds
PlanMap out your
Map out your
current wealth
We’ll assess your current financial situation to give you a clear picture of where you stand.
See how plan worksPlanDefine your
Define your
financial goals
We’ll help you understand your short- and long-term financial objectives so you can invest responsibly.
Set your goalsPlanUnderstand your
Understand your
expenses and income
We’ll make you input your annual expenses and incomes, to understand how much you can save and invest on a regular basis.
Build cashflowExplore for yourself.
No commitments, no barriers.
Vault Saudi Limited Company is an independent, fee-only wealth advisor licensed by the Capital Market Authority, based in Riyadh. We are paid by our clients and by nobody else — no commissions, no placement fees, and no share of any product we recommend.
What Vault Saudi is licensed to do
Our CMA licence (25313-20) covers advisory activity. That means we build your plan, set the strategy, and stay accountable for the advice — while implementation stays with you and the institutions you already use.
We do not hold client assets, we do not take custody of client money, and we do not execute transactions on your behalf. That is a deliberate structural point rather than a limitation to work around: your capital never sits inside a Vault entity, so the only thing you are ever buying from us is judgement.
How we are paid, and why it matters here
A flat monthly subscription covers ongoing advisory, and bespoke planning sessions are billed at a published hourly rate. There is no assets-under-management fee, no transaction charge, and no commission from any fund manager or product provider. The full schedule is on the fees page.
The reason to be precise about this is the alternative. A great deal of wealth advice in the region is funded by the products it recommends — a placement fee here, a retrocession there, an FX spread nobody quotes. When the advisor's income depends on a transaction happening, the advice tends to find a reason for the transaction. Ours cannot: our revenue does not move when you buy or sell anything.
Who this is built for
Individuals and families in the Kingdom whose finances have outgrown a single account and a spreadsheet — founders, executives, senior professionals, and those managing inherited or family wealth. Usually that means more than one currency, holdings in more than one country, and a set of commitments with real dates attached.
Two entities operate under the Vault brand and they are not interchangeable: Vault Saudi Limited Company is CMA-licensed in the Kingdom, and Vault Wealth Limited is FSRA-licensed in Abu Dhabi Global Market. Their services, fee models and regulators differ. Everything on this site describes the Saudi entity. More on how we are structured.
Testimonials
Trust, earned over time
Reliable people with deep expertise and a real can-do attitude. It's a privilege to work with you.
Fouad BenghalemEx SVP, MENA — GSK
I'm hands-on with my wealth and investment portfolio. The Vault team worked with me as a partner to implement a Dalio-style 'All Weather' structure. Overall, I see Vault as a long-term wealth partner.
Early EmployeeRevolut
Vault's digital but still personal approach is what we appreciate most. Money matters are sensitive, and their transparency builds trust quickly.
Semuel OerlemansSenior Marketing Manager — Tabby
Finally, professionals who actually listen. Vault's depth of options builds a level of trust I never found at private banks — my family has a real partner now.
Salman KazmiArea Director, MENAT — BMC
Hicham brought clarity and structure to my investments I'd never had before. Responsive, thoughtful, and genuinely focused on long-term wealth rather than short-term moves.
Nada EnanHead of Comms, MENA — Meta
Frequently asked questions
Yes — Vault Saudi Limited Company is licensed and regulated by the Capital Market Authority (CMA) of Saudi Arabia (licence 25313-20).
Vault Saudi provides independent, fee-only wealth advisory — financial planning, portfolio strategy, and ongoing guidance from a dedicated advisor. We don't sell products, we don't earn commissions, and our advice is held to the CMA's fiduciary standard.
Vault is built for individuals and families with serious wealth — founders, executives, professionals, and inheritors who want a clear plan and an advisor whose only job is to act in their interest.
Book a complimentary session with one of our advisors. We'll walk you through your goals, your current situation, and how Vault can help — no commitment required.