AES Brochure

8/8/2019 AES Brochure

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AESINTERNATIONAL

Total Wealth Management



Holistic and Integrated

advice

Legendary client service

Regulated by the

UK Financial Service

Authority



03© AES International 2008

AES International provide uniquely integrated fnancial solutions to help you understand, protect and

build your assets.

Through a single point o contact our advisers deliver the most proessional and client driven

fnancial planning and independent wealth management service to save you time and ensure you

make money. From our network o worldwide ofces we ensure a pre-eminent level o service and

provide complete peace o mind.

All o our fnancial planners hold both UK and internationally recognised qualifcations giving us one

o the most experienced teams available.

Key Benefts

• A uniquely integrated approach to all your nancial needs.

• Exceeds existing international wealth management and nancial planning standards

• Initial nancial review, lifetime strategy meetings and a personalised nancial plan

• Exceptional levels of service

• Regular review meetings and telephone/e-mail access to your dedicated Private Client Adviser

• Accessible and transparent fee structure for every client

• Total peace of mind to know that your position is properly protected and your assets are working

as efciently as possible.

AES International& Wealth Management



Integrated wealth

management

solutions

Unlimited access to the

potential o the world’s

markets

Understand, protect

and build your assets



Most clients fnd it helpul to adopt an integrated approach to fnancial management. AES has

developed this concept urther to create our ‘Total Wealth Management’ solution. This combines

all o our clients’ needs into a single platorm to ensure they have a dedicated, centralised point o

contact or all their fnancial requirements.

These services include:

• Financial Planning and Management

• Private Banking Managed Accounts

• Portfolio and Investment Management

• Pension and Retirement Planning

• Director and Partner Pension Structuring

• Life, Health and Income Protection Cover

• Mortgage Finance Options and Arrangement

• Cash Flow Management

• Life Change Financial Management

• Estate Planning and Trustee Services

• International Cross Border Services

• Tax Planning and Accountancy

Our services ensure the maximum nancial efciency and

deliver both short and long term beneft.

Our Services




High Growth

Low Fees

Long Term



We believe in getting the very best terms or 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 o contact or all your

fnancial needs to ensure you receive an unrivalled service - and complete peace o mind.

We believe in complete transparency, which is why we tell you about everything we do. This

includes how we are remunerated. Unlike some banks, fnancial advisers or stockbrokers we don’t

accept high upront commissions or ‘over manage’ your account.

This means you simply pay a monthly ee, or i greater, 1% p.a. o the value o the assets or which

AES provides advice. This method o remuneration is highly competitive, aiming to simply cover

our costs and make a small transparent proft, rather than pay sales bonuses like many businesses.

When we invest your money into our model portolios o unds via a preerred investment platorm

we will not make any additional charge. To put this into perspective – a typical High Street

commission or an investment o £100,000 can be as much as £7,000! This is urther testimony o

our ‘low ee, high growth’ approach to Total Wealth Management.

Whether our role is to manage your investments, increase the tax-efciency o your fnances,

advise on retirement, make sure you are getting the most out o your capital, help you decide what

is important to you in lie, or a combination o the above – it is up to you to decide whether you

get value or money. We work on the concept o mutual proftability and i we don’t eel that our

services oer you this value, we will let you know.

Adding Value & Focus

...With Transparent Costs




We believe in riendly and efcient proessionalism. We want to hear rom our clients regularly to understand

their hopes, dreams and aspirations. We enjoy what we do, or 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 fnancial

uture.

• Exceeds all existing international wealth management and fnancial planning standards

• Initial fnancial and lietime strategy meetings included

• Personalised nancial plan

• Exceptional levels o service

• Review meetings with your dedicated wealth manager

• Telephone & e-mail access to your dedicated planning proessional

• Pension and retirement planning advice

• Tax Planning

• Accessible ee structure or diering clients

• Access to commission ree fnancial products and investments

• Foreign Exchange Service which saves considerable amounts on international payments

• Insurance advisory service

• Cash Flow Management to ensure your excess funds are working to enhance your future

• Structuring o an unrivalled high tech ‘wrap platorm’

Our Style

Key Features

08 © AES International 2008



Completely

independent wealth

management

An innovative approach

to your fnances

Clear, comprehensive,

customised fnancial

advice



Flexble pro-active and

dynamic management

Change your investment

profle to adapt to

changes in your lie

Enjoy the beneft o

highly personanlised

fnancial planning



We oer a range o fnancial planning and wealth management services to help our clients improve their fnancial uture.

The three stages are called:

Foundation

Evolution

PrEmiEr

Each level is ee 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 benet. 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

more detail during your complimentary initial meeting.

Foundation

Foundation Wealth Management is designed as an entry level service. A typical Foundation client earns in excess o £50,000 pa

and is beginning to think about the need to coherently structure and plan their fnancial uture.

In our experience, many intelligent, highly paid individuals do not ully appreciate the value o the fnancial benefts they are

being oered through work. The frst port o call would thereore be to review existing arrangements and structure their

fnances in the most efcient and cost eective way possible.

Evolution

The second service level, Evolution Wealth Management is designed or the majority o aspiring high net worth individuals.

Clients receive a high-quality strategic nancial planning service and regulated investment advice with specic emphasis on the

accumulation and eective management o capital.

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 amily with a successul 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 fnancial aairs efciently and proessionally.

To acilitate this service we will usually make use o revolutionary developments in technology, which allow you to see your

entire fnances in one place.

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 rst. 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 proessional commitments and, in many cases substantial travel. The only pre-

requisite is that they have invested assets in excess o £1,000,000 or a sufciently high level o income to merit this exceptional

level o service. For many clients, we expect that the primary objective will be to maintain and maximise income, mitigate tax

and to receive the highest level o advice and service available.

Choice o Services




An integrated

personalised platorm

to suit your needs

Tax benefts, privacy

and access

Comprehensive support

to both domestic and

international clients



An integral part o Wealth Management is the bank itsel 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: -

• Why do I need the help o AES in choosing a private bank?

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 oer together with the quality o their services, terms, charges and expertise. AES can provide

comprehensive inormation on the suitability o a bank or your needs and guarantee privileged access to ensure

that you receive preerential terms and conditions.

• I already have an established banking relationship with a big name bank that oers

investment services – so why do I need AES?

The frst reason is that we are independent and work on your behal to get you the best solution or your individual

needs. Unlike a bank that sells its own standard products – we will work with you to ensure you access the best

investments rom across the whole market – at the best cost and with bespoke independent advice.

The second reason is range and suitability o advice. We assess your entire fnancial situation and will help with all your

fnancial needs – amily insurance, mortgage, tax and fnancial planning – not just your investments. This integrated and

holistic approach sets our advisers apart, saves you time and ensures total peace o mind.

The fnal reason is that unlike a big bank – we believe in strong client relationships and service delivery.

Your Private Client Adviser knows your complete nancial situation. Every relationship is important to us and we

guarantee an outstanding level o initial and more importantly - ongoing service.

• I want the security o having my money held by a big institution.

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 or money and perormance rom these institutions.

• Won’t it cost more?

No – not at all. Our services save our clients time and money – whilst delivering agreed nancial management

objectives. Not only does our buying power reduce the charges made by fnancial institutions – it also gives

preerential rates and service. We are upront about our initial and ongoing ees as we believe in complete

transparency, value and delivery. As such you get more expertise and better service at a reduced cost.

Private Banking




We invest a signifcant amount o our time understanding you, what drives you, your objectives and current

fnancial position, and what your uture looks like. This process gives you the opportunity to achieve your

objectives and aspirations.

Our Financial Planning Process

Stage 1: Current Position

Stage 6: Review

Stage 5: Implementation

Stage 4: Financial Plan

Stage 3: Analysis

Stage 2: Personal Goals

14 © AES International 2008



15

The starting point is to create a profle o you, covering your personal circumstances, current fnancial situation and how you

arrived there. The more detail the better, because the clearer this picture o you and your fnances, the clearer the starting

point on our journey.

The second stage is to clariy where you want to go, your objectives, concerns and aspirations as well as your attitude to

investment and other associated risk. This is especially important, as it will be critical to the investment portolio construction,

a key aspect of your Personal Financial Plan.

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.

Stage four involves the creation of a roadmap or journey plan, which communicates the most efcient route from A to C. This

roadmap is your Personal Financial Plan. It will analyse your nancial arrangements and make recommendations as to how

your existing fnances 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 o the analysis. Thereore, a review o your expenditure, in both the short-term and

over the long-term will help to establish how robust the overall fnancial plan is. The plan will identiy the cost o achieving

your objectives, your fnancial independence and plan or any unoreseen events which may arise.

The fth stage o the process is to implement the plan. This stage includes an action plan and, i appropriate, an investment

strategy document - both o which will be provided once we have agreed the plan.

The nal stage is to regularly review the plan and make modications where required. Reviews should take place at least

annually, but can be more requent i required. The overall aim o the fnancial planning process is to help you reach your

fnancial goals and develop or maintain your desired liestyle, in the most efcient way possible. Financial planning gives

consideration to strategies or the creation, distribution or protection o wealth specifcally to meet your fnancial objectives.

Stage 1: Current Position

Stage 2: Personal Goals

Stage 3: Analysis

Stage 4: Financial Plan

Stage 5: Implementation

Stage 6: Review




Retain a sharper

market ocus by being

completely independent

o all other institutions

Enjoy the benefts o a

transparent, ee based

proesional service

Have the reassurance

and security o

growing your assets in

a way that suits you



Our commitment to you is that we will always: -

1. Give impartial, holistic, independent advice .

2. Act on your behal at all times, not on the behal o a product or service provider. Your needs always come frst.

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 ater by qualifed and experienced advisers who are deemed ft and proper to give proessional advice

and subject to ongoing tests o their independence, knowledge, ability and proessionalism.

7. Expect to develop a long-term partnership with you, to help you achieve your lietime goals and measure our success based

on your perception o our service.

8. Have a well thought out and unbiased investment strategy that undeniably puts your interests rst.

9. Advise on your portolio in a disciplined manner and be proactive in all aspects o your personal fnancial planning, not just

your investments.

10. Provide access to our wider organisation which is comprised of similar professionals and specialists ensuring that you have

access leading technology, technical advice, research and administration.

11. Respect your condentiality whilst providing you with access to the AES organisation and any data held by the organisation

on your behal.

12. Aim to exceed your expectations. I anything we do alls short o the desired outcome, we will reund the proportion o our

ees considered to be appropriate.

Why AES?




AESINTERNATIONAL

AES International is a trading style of AES Financial Services Ltd which is authorised and regulated by the UK Financial Services Authority. Registered Ofce: AES FinancialServices 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.AESnance.com Email: [email protected]

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AES Brochure