Financial Planning

We have been providing independent investment management and financial planning for many decades. We believe in developing a long-term working relationship with clients, based on a premise of transparency, integrity and treating our clients fairly.

Our financial planning service is based on a truly holistic understanding of our client's financial situation, goals and attitude to investment risk.

Through our application of independent, fee-based services and our ethos of working closely with clients and their professional representatives, we have established ourselves as the trusted wealth advisers to many clients.

In tandem with financial planning is investment advice, and together these represent the cornerstones of our offering to private clients, as the appropriate management of wealth is imperative in meeting financial planning objectives.

This is combined with effective tax mitigation advice, often in relation to inheritance tax (IHT), to help maximise investment returns in the most cost effective and tax efficient manner.

We have a compelling approach to wealth advice that is most suited to investors with assets of £250,000 or more.

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AES is a wholly independent company and is not restricted in any of the funds or investment products we may wish to use for our clients' investment and financial planning purposes.

AES is privately owned and therefore not financially tied or obliged to any particular fund manager or product provider. We refuse to accept the financial contributions that these providers will often make to financial services companies - money that is then often used to pay for marketing, training or even company conferences.

AES is a strong advocate of charging fees for investment advisory, financial planning and consultancy services. We believe that the commission system, where the level of remuneration is reliant on the sale of a product, creates a potential conflict of interest between the adviser and the client. With a fee-based approach we have no financial incentive other than working in the best interests of our clients.

Whilst we believe financial planning is crucial to achieving the financial future you want, we also recognise that sometimes you need help with a  particular question.

You may have a particular financial problem that needs solving as a priority or questions about advice you've been given in the past.  No matter how big or small, we can help.

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.

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.  

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.