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Advising Wealthy Individuals and Families Globally2021-11-25T09:26:02+00:00


Optimise Your Wealth – Advising Individuals and Families Globally

Plan – Grow – Protect Your Wealth

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Jessica Cook
Private Client Adviser, Pension Transfer Specialist, LLB (Hons) DipFA ASCI

Meet Jessica Cook

It starts with a client’s life and ends with their investments, not the other way around. helping people live rich and without regrets rather than dying rich and with regrets. To help people improve their lives by bringing truth, understanding, and discipline to the choices they make every day.

I’m Jessica Cook, Wealth Adviser to International professionals and families across the globe. Featuring in the 2020 Times Newspaper Guide to the UK’s Top Rated Financial Advisers.

My background is law, and a former career with the Financial Times. I am also a regular financial columnist for multiple publications.

Working in partnership at AES International as a Private Client Adviser, means delivering the next generation of demonstrably beneficial services to our clients and creating positive change.

I work with absolute integrity and dedication to my client’s needs , with an ongoing commitment to provide professional excellence in every aspect of the advisory role

Why AES?

There are many financial advisers that you could choose to work with. We know you have a bewildering variety of choice and it can be one of the biggest decisions you will ever make. So, why choose us?

Here’s the thing: We’re not advisers. We’re planners. We help you plan to achieve your goals for the life you want. We’re here to support you through life’s adventures. Life is a journey and so is your financial plan.

  • Sophisticated clientele
    Professionals and wealthy families
  • Fiduciary Adviser
    Alignment of interests
  • Independent & No conflicts
    Fee only firm
  • Established credibility
    Multi award winning
  • Fully regulated and qualified
    Global credentials/ FCA
    Registered/ Pension Transfer Specialist
  • Core values
    Integrity, honesty, value
    centricity
  • Lifestyle financial planning
    Lifetime cashflow planning
  • Evidenced Based investment philosophy
    A long-term, value-orientated approach
  • Diversified client base
    Serving clients globally
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Defining the process

We set ourselves apart from ‘traditional’ wealth management firms. Our process unites highly tested, personalised financial planning, an extraordinary Nobel prize-winning investment process with proven fiduciary service.

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Financial Planning Services

Retirement Planning

  • Transition from earned income to investment income

  • Cashflow planning

  • Ensuring financial security

  • Hierarchy of distribution

  • Tax efficiency

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Legacy and Estate Planning

  • Wealth transfer preparation

  • Trusts

  • Intergenerational stake holders

  • Strategies to manage inheritance tax

  • Planning for the unexpected

  • Wills and guardianship

  • Insurance

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Offshore Banking

  • Multi-currency accounts

  • Capital safety and security via jurisdiction

  • Intergenerational stake holders

  • International pensions

  • Fixed term deposits

  • Lending

  • Non-contractual savings

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Pension Advice and Pension Transfers​

  • FCA Regulated Pension Transfer Advice

  • QROPS

  • SIPPS

  • Double taxation treaties for expats

  • Maximizing lifetime allowance

  • Tax mitigation strategies

  • Advising and facilitating pension drawdown

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Cashflow planning

  • Forecasting sources and uses of cash

  • Assessing personal aspirations

  • Estimating future projected income and expenditure

  • Assessing potential IHT liabilities

  • Unexpected events

  • Historical predictors

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Investing

  • A long-term, value-orientated approach

  • Risk management, not risk minimisation

  • Aggregated investing power

  • Attractive returns

  • Cost effective ETF’s and passive investments

  • Portfolio rebalancing

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What does your financial future look like?

We help you to answer all important questions such as:

How do I make the most of my pensions?2021-09-10T08:40:21+00:00

Whether you’re thinking about opening a pension plan, you’re looking at transferring your pension to a SIPP or QROP”s, or you’re nearing retirement and considering your options. You should always make sure you’re fully clued-up when you’re making pension decisions, and seek further advice if you feel you need it. In particular, if you want to transfer a Defined Benefit Pension worth over £30,000 then you need to consult a Pension Transfer Specialist first.

Will my family be OK when I die?2021-09-10T08:39:20+00:00

No one wants to think about ‘kicking the bucket’, but putting your financial affairs in order can save your family from a lot of extra grief in the event of your death. Only by planning effectively and in advance can you be sure that you have taken the necessary steps available to you. Careful planning is often required to ensure your loved ones aren’t left with nasty surprises when you pass on your estate.

I am risk averse, where should I invest?2021-09-15T11:30:31+00:00

Risk and returns share a direct relation. While risk-prone investments are likely to yield higher returns, they also have higher volatility. Risk-averse investors are the ones who choose more stable returns, even if lower, over volatility. A key element in our financial planning process is to provide a robust investment engine for the realisation of your financial and life goals. Designed to offer a range of investment experiences which can be matched with your capacity for investment risk.

Can I retire early?2021-09-10T08:39:47+00:00

The ultimate goal for most retirees is making sure their assets last as long as they live. Once a person or household can no longer rely on earned income, balancing income and expenses becomes the primary focus of financial planning. And because of increasing longevity, managing cash flow is more critical than ever. We utilise cash flow planning to help forecast sources and uses of cash. Providing a framework that enables the most effective and efficient use of pension and investment income. You might be able to retire early that you think!

Am I going to have enough?2021-09-10T08:40:05+00:00

Enough means something different to everyone. Many people focus on asking if they have enough, when the real question is, enough for what? If you want to build up enough wealth to meet your life goals, the first step is knowing clearly what those goals are.  A clear financial plan will help you find the right balance between financial security and living your preferred lifestyle.

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Latest blog posts

  • Published On: November 25, 2021|5.4 min read|

    A British Expats’ Guide to Transferring Funds to a SIPP

    When it comes to saving money for the future, a Self-Invested Personal Pension, or SIPP, can be a suitable option for both UK and Non- UK residents. There are several pension choices to choose from, but a SIPP can provide you with greater flexibility, portability, and control over your investments.

    Read more

  • Published On: November 19, 2021|6.5 min read|

    A Short Guide to UK Inheritance Tax

    These tips and tricks are all great ways to increase the efficiency of your estate after your death.

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  • Published On: March 15, 2021|4.6 min read|

    Stamp Duty Surcharge for Expats Buying Property in the UK

    New rates of Stamp Duty Land Tax (Stamp Duty) for non-UK residents will become effective from 1st April 2021. Expats and foreign investors, now face a 2% stamp duty [...]

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  • Published On: March 10, 2021|4.8 min read|

    Hedging and Currency Risk

    Exchange rate movements impact returns when a change in the value of one currency against another currency leads to a rise or fall in the value of an asset. [...]

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