Professional Documents
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AES
INTERNATIONAL
Holistic and Integrated
advice
Regulated by the
UK Financial Service
Authority
AES International
& Wealth Management
AES International provide uniquely integrated financial solutions to help you understand, protect and
Through a single point of contact our advisers deliver the most professional and client driven
financial planning and independent wealth management service to save you time and ensure you
make money. From our network of worldwide offices we ensure a pre-eminent level of service and
All of our financial planners hold both UK and internationally recognised qualifications giving us one
Key Benefits
• Initial financial review, lifetime strategy meetings and a personalised financial plan
• Regular review meetings and telephone/e-mail access to your dedicated Private Client Adviser
• Total peace of mind to know that your position is properly protected and your assets are working
as efficiently as possible.
Understand, protect
and build your assets
Our Services
Most clients find it helpful to adopt an integrated approach to financial management. AES has
developed this concept further to create our ‘Total Wealth Management’ solution. This combines
all of our clients’ needs into a single platform to ensure they have a dedicated, centralised point of
Low Fees
Long Term
Adding Value & Focus
We believe in getting the very best terms for our clients and delivering as much value as possible.
As a global intermediary we have privileged access to many banks, investments and planning
structures. We pass this on to our clients and provide a dedicated point of contact for all your
financial needs to ensure you receive an unrivalled service - and complete peace of mind.
includes how we are remunerated. Unlike some banks, financial advisers or stockbrokers we don’t
This means you simply pay a monthly fee, or if greater, 1% p.a. of the value of the assets for which
AES provides advice. This method of remuneration is highly competitive, aiming to simply cover
our costs and make a small transparent profit, rather than pay sales bonuses like many businesses.
When we invest your money into our model portfolios of funds via a preferred investment platform
we will not make any additional charge. To put this into perspective – a typical High Street
commission for an investment of £100,000 can be as much as £7,000! This is further testimony of
Whether our role is to manage your investments, increase the tax-efficiency of your finances,
advise on retirement, make sure you are getting the most out of your capital, help you decide what
is important to you in life, or a combination of the above – it is up to you to decide whether you
get value for money. We work on the concept of mutual profitability and if we don’t feel that our
their hopes, dreams and aspirations. We enjoy what we do, for and with our clients and take pleasure in helping
you achieve your goals. Our aim is to work as one - to develop a Financial Plan which will enhance your financial
future.
Key Features
• Exceeds all existing international wealth management and financial planning standards
• Tax Planning
• Cash Flow Management to ensure your excess funds are working to enhance your future
An innovative approach
to your finances
Clear, comprehensive,
customised financial
advice
Change your investment
profile to adapt to
changes in your life
Foundation
Evolution
Premier
Each level is fee based which means that our charges are completely transparent, our advice totally impartial and assures
your Private Client Adviser is motivated to work for your long term benefit. Our service levels have fee structures to suit each
individual, with Foundation service fees starting from £50 per month. Your Financial Planner will discuss our fees with you in
FOUNDATION
Foundation Wealth Management is designed as an entry level service. A typical Foundation client earns in excess of £50,000 pa
and is beginning to think about the need to coherently structure and plan their financial future.
In our experience, many intelligent, highly paid individuals do not fully appreciate the value of the financial benefits they are
being offered through work. The first port of call would therefore be to review existing arrangements and structure their
EVOLUTION
The second service level, Evolution Wealth Management is designed for the majority of aspiring high net worth individuals.
Clients receive a high-quality strategic financial planning service and regulated investment advice with specific emphasis on the
A ‘typical’ Evolution client is likely to have a high income and/or assets available for investment of at least £200,000 excluding
the main residence. Such a client could be a family with a successful main earner or have accumulated a lump sum. Evolution
clients are likely to be ‘time poor’ and will expect an adviser who can organise their financial affairs efficiently and professionally.
To facilitate this service we will usually make use of revolutionary developments in technology, which allow you to see your
PREMIER
Through our top tier Premier Wealth Management program, clients access all our services to save them time, make them money
and put their needs first. There is no typical Premier client but a common thread which unites the majority is a lifestyle of some
intricacy, involving wide-ranging personal and professional commitments and, in many cases substantial travel. The only pre-
requisite is that they have invested assets in excess of £1,000,000 or a sufficiently high level of income to merit this exceptional
level of service. For many clients, we expect that the primary objective will be to maintain and maximise income, mitigate tax
Comprehensive support
to both domestic and
international clients
Private Banking
An integral part of Wealth Management is the bank itself and AES provide an invaluable role in helping clients
achieve the most out of their bank. Here are some of the frequent questions we are asked: -
Private banks are not all the same and it is important to make an informed decision as to the choice and the
services that they offer together with the quality of their services, terms, charges and expertise. AES can provide
comprehensive information on the suitability of a bank for your needs and guarantee privileged access to ensure
• I already have an established banking relationship with a big name bank that offers
investment services – so why do I need AES?
The first reason is that we are independent and work on your behalf to get you the best solution for your individual
needs. Unlike a bank that sells its own standard products – we will work with you to ensure you access the best
investments from across the whole market – at the best cost and with bespoke independent advice.
The second reason is range and suitability of advice. We assess your entire financial situation and will help with all your
financial needs – family insurance, mortgage, tax and financial planning – not just your investments. This integrated and
holistic approach sets our advisers apart, saves you time and ensures total peace of mind.
The final reason is that unlike a big bank – we believe in strong client relationships and service delivery.
Your Private Client Adviser knows your complete financial situation. Every relationship is important to us and we
You will receive this. All the institutions used are very highly rated and subject to investor protection legislation.
AES act solely as advisers to ensure you get the best value for money and performance from these institutions.
No – not at all. Our services save our clients time and money – whilst delivering agreed financial management
objectives. Not only does our buying power reduce the charges made by financial institutions – it also gives
preferential rates and service. We are upfront about our initial and ongoing fees as we believe in complete
transparency, value and delivery. As such you get more expertise and better service at a reduced cost.
financial position, and what your future looks like. This process gives you the opportunity to achieve your
arrived there. The more detail the better, because the clearer this picture of you and your finances, the clearer the starting
investment and other associated risk. This is especially important, as it will be critical to the investment portfolio construction,
Stage 3: Analysis
The third stage is to analyse your current position and consider your objectives to determine the ‘gap’ between your goal
and the reality. This ‘Gap Analysis’ will enable us to clearly understand the journey you will need to travel in order to achieve
your targets.
roadmap is your Personal Financial Plan. It will analyse your financial arrangements and make recommendations as to how
your existing finances can be utilised. This will cover your assets, investments, liabilities and income. The way in which you
spend your money is also a vital aspect of the analysis. Therefore, a review of your expenditure, in both the short-term and
over the long-term will help to establish how robust the overall financial plan is. The plan will identify the cost of achieving
your objectives, your financial independence and plan for any unforeseen events which may arise.
Stage 5: Implementation
The fifth stage of the process is to implement the plan. This stage includes an action plan and, if appropriate, an investment
strategy document - both of which will be provided once we have agreed the plan.
Stage 6: Review
The final stage is to regularly review the plan and make modifications where required. Reviews should take place at least
annually, but can be more frequent if required. The overall aim of the financial planning process is to help you reach your
financial goals and develop or maintain your desired lifestyle, in the most efficient way possible. Financial planning gives
consideration to strategies for the creation, distribution or protection of wealth specifically to meet your financial objectives.
Retain a sharper
market focus by being
completely independent
of all other institutions
Why AES?
Our commitment to you is that we will always: -
2. Act on your behalf at all times, not on the behalf of a product or service provider. Your needs always come first.
3. Demonstrate integrity, honesty and openness in everything we do for and with you.
4. Supply you with written Terms of Business before engaging in any advice for you .
5. Provide for you, in writing, a personalised report or letter explaining the reasons for any recommendations.
6. Ensure you are looked after by qualified and experienced advisers who are deemed fit and proper to give professional advice
and subject to ongoing tests of their independence, knowledge, ability and professionalism.
7. Expect to develop a long-term partnership with you, to help you achieve your lifetime goals and measure our success based
8. Have a well thought out and unbiased investment strategy that undeniably puts your interests first.
9. Advise on your portfolio in a disciplined manner and be proactive in all aspects of your personal financial planning, not just
your investments.
10. Provide access to our wider organisation which is comprised of similar professionals and specialists ensuring that you have
11. Respect your confidentiality whilst providing you with access to the AES organisation and any data held by the organisation
on your behalf.
12. Aim to exceed your expectations. If anything we do falls short of the desired outcome, we will refund the proportion of our
AES International is a trading style of AES Financial Services Ltd which is authorised and regulated by the UK Financial Services Authority. Registered Office: AES Financial
Services Ltd, 17-21 Wyfold Road, London, SW6 6SE Registered in England No. 6063185. The Financial Services Authority do not regulate Banking, Will Writing, Loans,
Credit Cards, or some forms of Mortgage, Tax Advice, Offshore Investments and Estate Planning. Web: www.AESfinance.com Email: enquiries@AESfinance.com