Working with a fiduciary

Committed to you

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Fiduciary relationships exist outside of financial advisory services, typically in places where a high level of trust is required:

  • Board members may have a fiduciary duty to their companies.

  • Trustees owe fiduciary duties to their beneficiaries.

  • Retirement plan administrators typically have a fiduciary duty to their company’s employees.

Not all advisers are fiduciaries. If your financial adviser doesn’t have a fiduciary duty to you, they may be able to recommend investments or products that pay them a more significant commission or fees over ones that would be the best fit for you.

Fiduciaries have a bond of trust with clients and must avoid conflicts of interest. Financial advisers and planners who are fiduciaries must only buy and sell investments that best fit their clients.

This creates a problematic situation for you, the investor. How do you know whom to trust? How do you recognize a fiduciary when you see one? 

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CEFEX

Certified firms volunteer to be comprehensively assessed and audited by CEFEX®, The Centre for Fiduciary Excellence, each year.
Certification helps determine the trustworthiness of investment fiduciaries.

Trust is everything in wealth management and financial planning.

AES was the first and remains the only firm in the AMEA (Asia, the Middle East and Africa) region to meet this standard of excellence.
The CEFEX certification ensures that the advisor has prudent fiduciary practices and a culture of excellence supported by documented and structured processes. Giving you the peace of mind and the trusted relationship you should expect from your financial planner.

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Testimonials

Pierce Cook

Commercial Director - ChatAbout LLP

So grateful for her insight

Jess is an ex-colleague from the Financial Times but latterly, we have worked together again at Mindful Money where Jess writes a regular offshore Private Adviser column for us. I am grateful for her insight and advice to our readers and only wish that she had more time to write more for us!

Simon Field

Executive Partner - Gartner

A real pleasure to work with

I have known Jessica for a couple of years, and have no hesitation in recommending her as a financial advisor. Jessica has helped organise my savings, providing insights and valuable advice without ever making me feel that I am being pushed towards some pre-determined agenda.

She has always made sure that she understands what it is I want to achieve before setting before me a choice of options. And her advice and explanations are clear without being patronising. A real pleasure to work with

Neil Irwin

Global Head of Distribution - Cignia

Jessica saved me a significant amount of tax

Ive met many financial advisers over the years but can honestly say Jessica has the highest integrity and ability of any financial adviser I’ve met to date. She listens carefully, understands exactly what my objectives and risk appetite are before providing appropriate and alternative options. Her timely advice saved me a significant amount in tax and she is now entrusted with managing the pension pot I worked so hard to build over the last 25 years.

Jessica immediately identified the problem with the way my pension fund was set up and put in place a completely different fund that suited my attitude to risk. The fund has grown approx 18% since Jessica took it over.

Jessica immediately identified the problem with the way my pension fund was set up and put in place a completely different fund that suited my attitude to risk. The fund has grown approx 18% since Jessica took it over.