AES Financial Services Ltd (trading as AES International)

AES Financial Services Ltd (trading as AES International) is a UK-based, FCA-authorised financial services firm that offers pension and retirement planning aimed at people who live and work across countries. For someone moving to Spain, AES describes services covering international pensions, pension transfers, retirement planning and cross-border tax-aware investment planning to help you decide whether to leave a pension in place, transfer it or access it tax-efficiently. ([aesinternational.com](https://www.aesinternational.com/?utm_source=openai))

The firm publishes advice and documentation addressing international pension transfers and retirement planning for expatriates, and it states which regulated AES entity will provide services in each case. AES also provides contact details for its UK and UAE offices and shows regulatory information on its authorisations page. ([aesinternational.com](https://www.aesinternational.com/wealth-management/international-pension-transfers?utm_source=openai))

1. Contact and initial factfind: you make initial contact (AES lists contact channels and office locations on the site).

2. Discovery meeting and data gathering: AES describes a planning-led approach to understand your pensions, goals and cross-border circumstances (documented in its retirement planning and pensions pages).

3. Regulated advice report and recommendations: for international pension transfers and retirement strategies AES issues formal advice and Terms of Business that specify the regulated entity responsible for the service. ([aesinternational.com](https://www.aesinternational.com/retirement-planning?utm_source=openai))

4. Implementation and platform/account setup: AES documents their Index Account and platform fees and describes implementation steps (transfer/implementation fees shown in published terms). ([aesinternational.com](https://www.aesinternational.com/hubfs/Index%20Account%20Forms/Index%20Account%20ToB%20FCA.pdf?t=1493111519258&utm_source=openai))

5. Ongoing review: the firm describes ongoing wealth management and regular reviews for internationally mobile clients. ([aesinternational.com](https://www.aesinternational.com/?utm_source=openai))