Total Wealth Management

AES
INTERNATIONAL
Holistic and Integrated
advice

Legendary client service

Regulated by the
UK Financial Service
Authority
AES International
& Wealth Management

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

build your assets.

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

provide complete peace of mind.

All of our financial planners hold both UK and internationally recognised qualifications giving us one

of the most experienced teams available.

Key Benefits

• A uniquely integrated approach to all your financial needs.

• Exceeds existing international wealth management and financial planning standards

• Initial financial review, lifetime strategy meetings and a personalised financial 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 efficiently as possible.

© AES International 2008 03

Integrated wealth
management
solutions

Unlimited access to the

potential of the world’s
markets

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

contact for all their financial 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 financial efficiency and

deliver both short and long term benefit.

© AES International 2008 05

High Growth

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.

...With Transparent Costs

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

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

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

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

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

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

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

© AES International 2008 07

Our Style
We believe in friendly and efficient professionalism. We want to hear from our clients regularly to understand

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

• Initial financial and lifetime strategy meetings included

• Personalised financial plan

• Exceptional levels of service

• Review meetings with your dedicated wealth manager

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

• Pension and retirement planning advice

• Tax Planning

• Accessible fee structure for differing clients

• Access to commission free financial 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 of an unrivalled high tech ‘wrap platform’

08 © AES International 2008

Completely
independent wealth
management

An innovative approach
to your finances

Clear, comprehensive,
customised financial
advice
Change your investment
profile to adapt to
changes in your life

Flexble pro-active and

dynamic management

Enjoy the benefit of

highly personanlised
financial planning
 Choice of Services
We offer a range of financial planning and wealth management services to help our clients improve their financial future.

The three stages are called:

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

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 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

finances in the most efficient and cost effective way possible.

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

accumulation and effective management of 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 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

entire finances 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 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

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

© AES International 2008 11

An integrated
personalised platform
to suit your needs

Tax benefits, privacy

and access

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: -

• Why do I need the help of 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 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

that you receive preferential terms and conditions.

• 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

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

• I want the security of 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 for money and performance from these institutions.

• Won’t it cost more?

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.

© AES International 2008 13

 Our Financial Planning Process
We invest a significant amount of our time understanding you, what drives you, your objectives and current

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

objectives and aspirations.

Stage 1: Current Position

Stage 6: Review Stage 2: Personal Goals

Stage 5: Implementation Stage 3: Analysis

Stage 4: Financial Plan

14 © AES International 2008

 Stage 1: Current Position
The starting point is to create a profile of you, covering your personal circumstances, current financial situation and how you

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

point on our journey.

Stage 2: Personal Goals

The second stage is to clarify 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 portfolio construction,

a key aspect of your Personal Financial Plan.

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.

Stage 4: Financial Plan

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

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.

© AES International 2008 15

15
Have the reassurance
and security of
growing your assets in
a way that suits you

Enjoy the benefits of a

transparent, fee based
proffesional service

Retain a sharper
market focus by being
completely independent
of all other institutions
 Why AES?
Our commitment to you is that we will always: -

1. Give impartial, holistic, independent advice .

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

on your perception of our service.

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

access leading technology, technical advice, research and administration.

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

fees considered to be appropriate.

© AES International 2008 17

 AES
INTERNATIONAL

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

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