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Let's Talk

Financial Planning

Because the right foundations are critical to wealth creation

Book a 15-minute discovery call

You need a financial plan, we’re here to help.

You need a financial plan, we’re here to help.

In practise, this means you get five things from us: -

  • A sense of direction based upon fact.
  • Time, security and peace of mind to focus on what is important to you.
  • The protection of a well co-ordinated, lasting relationship with a caring, professional team.
  • Reduced complexity and increased confidence.
  • Independence, transparency and financial wisdom.

Your life minded questions answered

A cashflow forecast is the essential first step to designing a financial plan.

It enables you to look at the bigger picture…

So you can walk away with a map of where you are financially and where you want to be.

Answering questions like...

  • How much is enough?
  • Am I on track?
  • Can I do this?
  • Is my family protected?
  • When can I afford to retire?
  • What investment return do I need to meet my objectives?
  • What happens to my family if I am unable to work or I die?
  • How much inheritance tax is payable on my estate?
  • Can I afford it if my investments don’t perform as well as expected?
potential inheritance tax liability

Why use lifetime cashflow planning?

True financial planning isn’t about products.

Or stock market speculation.

It's about planning, numbers and evidence.

Cashflow planning puts your life into perspective.

Helping you make sensible and informed decisions.

You’ll get better results, greater peace of mind and more security.

 

“The 'life plan' which, graphically illustrates the resources and choices that we have available to prepare for retirement and other future projects, has been a most interesting exercise. AES has been diligent and detailed in implementation of the plan that we agreed. It certainly removes a burden of work and worry to have such a diligent and savvy adviser.”

P Dawson
Lawyer

“The team at AES International have helped me see a way forward. They’ve created a focused and consolidated retirement strategy, so I better understand when I can afford to work less and sail more!”

Gerry Davidson
Solicitor

    It’s a simple 6-step process

    Chat

    1. Chat

    A quick coffee and a chat help introduce the service and align expectations.

    Discover

    2. Discover

    Our Discovery Meeting is where we set goals together and visualise your income, assets and liabilities throughout your lifetime.

    Analysis

    3. Analysis

    Research and evaluate the options for you.

    Plan

    4. Plan

    4-8 weeks after the Discovery Meeting, we have a Financial Plan Meeting where we talk through your individual financial plan.

    Implement

    5. Implement

    This is where we make it happen – everything is put into motion one week after the Financial Plan Meeting.

    Track

    6. Track

    Consistent tracking of your progress ensures you stay motivated and invested.

    Frequently Asked Questions

    What is cashflow financial planning?

    Cashflow planning is designed to measure all cash inflows and outflows, and then integrate these items with the clients’ assets and includes a careful analysis of the income tax burden each year.

    The projection illustrates the impact that any surpluses or shortages might have on the ability of the clients' assets to last through life expectancy.

     

    Why use cashflow planning?

    Cashflow planning is particularly useful for clients approaching retirement when there may not be a substantial time to accumulate additional capital.

    Cash-flow-based projections are also ideal for complex client situations, including clients with high wealth or assets in more than one jurisdiction, or whenever tracking all the details of cash flows are important for a highly thorough analysis.  

    How is goal-based financial planning different?

    Goal-based planning is designed to identify certain goals, and then determine if what you are doing now will allow you to fulfil your goals.

    These projections look at your goals (retirement, survivor, education, etc), and if a deficiency is determined, works out how to achieve the goal.

    Goal-based planning is excellent if you are in 'the accumulation phase', where there is still time to change the habits of saving and investing to make up for potential shortages.

    It also includes disability and life insurance need calculations important for accumulation phase clients as you are in the process of building assets and are less likely to have an adequate capital to protect for a death occurring now or in the future.

    Start building on the right foundation today

    Book a 15-minute discovery call