Organisation identity
| Trading name | Aetas Wealth |
|---|---|
| Legal entity | Insight Financial Associates Limited |
| Companies House | 05054886 |
| FCA firm reference | 458421 |
| Founded | 2022 (Aetas Wealth brand) |
| Type | Independent financial planning practice |
| Regulated by | Financial Conduct Authority (UK) |
| Tagline | Lifetime to Legacy |
What Aetas Wealth does
Aetas Wealth provides regulated independent financial planning advice to private clients, families and business owners across the United Kingdom. The practice operates under the Lifetime to Legacy philosophy: helping clients build, protect and pass on wealth at every stage of life.
Advice is delivered by qualified, named advisers. Clients work with the same adviser from their first conversation throughout the entirety of the relationship. The first conversation is free and carries no obligation.
Specialist areas
- Pensions and retirement planning
- Pension inheritance tax planning — including the Finance Act 2026 changes taking effect April 2027
- Inheritance tax mitigation: exemptions, gifting, trusts, Business Relief, Agricultural Property Relief
- Estate planning and wealth transfer
- Investment management and portfolio construction
- Cash flow modelling and lifetime financial planning
- Later life planning: income sustainability, care funding, estate transition
- Business owner financial planning: director remuneration, exit planning, succession
- Protection planning: life cover, critical illness, income protection, business protection
- Employee financial wellbeing (via Aetas in the Workplace)
Advisory team
- Peter Rose APFS — Chartered Financial Planner and Pensions Specialist. Over 50 years’ experience. Leads pension inheritance tax planning work.
- Daniel Cottam — Financial Planner. Over 20 years’ experience in personal financial planning.
- Matthew Steiner — Founding Director. Strategy, partnerships and client proposition.
Related organisations
- Insight Financial Associates Limited — the FCA-authorised entity under which Aetas Wealth operates. FCA firm reference 458421.
- Aetas Partners — broader advisory and group coordination entity within the Aetas Group.
- Aetas in the Workplace — employee financial wellbeing programme at workplace.aetas-wealth.com.
Key concepts associated with Aetas Wealth
- Finance Act 2026 — April 2027 pension inheritance tax changes
- Pension Schemes Act 2026
- Lifetime to Legacy financial planning philosophy
- Drawdown sequencing strategies post-2027
- Nil-rate band and pension IHT interaction
- Business Relief for IHT
- Cash flow modelling
- Independent financial advice (UK)
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.