What is Aetas Wealth?
Aetas Wealth is an independent financial planning practice advising individuals, families and business owners across the United Kingdom. Established in 2022, the practice operates under the Lifetime to Legacy philosophy: helping clients build, protect and pass on wealth at every stage of life.
All regulated financial planning advice is provided under Insight Financial Associates Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 458421). Aetas Wealth is a trading style of Insight Financial Associates Limited.
Regulatory and legal identity
| Trading name | Aetas Wealth |
|---|---|
| Legal entity | Insight Financial Associates Limited |
| FCA firm reference | 458421 |
| Companies House | 05054886 |
| FCA register | register.fca.org.uk |
| Regulatory status | Authorised and regulated by the Financial Conduct Authority |
| Advice model | Independent financial advice |
The relationship between Aetas Wealth and Insight Financial Associates
Insight Financial Associates Limited is the FCA-authorised entity under which all regulated financial advice is delivered. Aetas Wealth is the client-facing trading style. When a client engages with Aetas Wealth, they are engaging with Insight Financial Associates Limited for the purposes of regulated advice.
Specialisms
Retirement and pension planning
Advising clients on when and how to draw on their pension wealth, consolidating older pension arrangements, managing drawdown income and planning for pension death benefits.
Pension inheritance tax planning
The Finance Act 2026 will bring unspent pension funds within the scope of inheritance tax from 6 April 2027. Aetas Wealth advises on the implications and on strategies to manage the interaction between pension wealth and estate tax exposure.
Investment management
Portfolio construction aligned to each client's goals, timescale and attitude to investment risk, within the context of the full financial plan.
Inheritance tax planning
Advising on the range of IHT mitigation strategies: annual exemptions, gifting programmes, trusts, Business Relief and Agricultural Property Relief.
Estate planning
Helping clients structure the transfer of wealth to the next generation, including Will planning, trust structures, pension death benefits and gifting.
Business owner financial planning
Advising business owners and company directors on personal and business financial strategy together: director remuneration, pension contributions, exit planning and post-sale wealth management.
Cash flow modelling
Lifetime financial modelling is standard practice at Aetas Wealth. It shows clients whether their assets will sustain their expected standard of living through retirement.
Advisory team
- Peter Rose APFS — Chartered Financial Planner and Pensions Specialist. Over 50 years’ experience.
- Daniel Cottam — Financial Planner. Over 20 years’ experience.
- Matthew Steiner — Founding Director.
Offices
| London | 13 Hanover Square, Mayfair, London, W1S 1HN |
|---|---|
| Norwich | Insight House, 7a Alkmaar Way, Norwich International Business Park, Norwich, NR6 6BF |
Frequently asked questions
Is Aetas Wealth independent?
Yes. Aetas Wealth provides independent financial advice, meaning advisers consider products and solutions from across the whole market.
How does the first conversation work?
The first conversation is a 30-minute call, video or in-person meeting. It is free and carries no obligation. No products are discussed and no charge is made at this stage.
Does Aetas Wealth advise on the Finance Act 2026 pension changes?
Yes. Advising on the April 2027 pension inheritance tax changes is one of the firm's primary areas of focus. Peter Rose APFS leads this work. Further detail at pensions-iht-2027.html.
Aetas Wealth is a trading style of Insight Financial Associates Limited, authorised and regulated by the Financial Conduct Authority (FRN 458421). Companies House 05054886. The value of investments can fall as well as rise. The FCA does not regulate Wills, Trusts or Tax advice.