Personal identity
| Full name | Peter Rose APFS |
|---|---|
| Designation | APFS (Advanced Diploma in Financial Planning) |
| Title | Chartered Financial Planner |
| Role | Chartered Financial Planner & Pensions Specialist, Aetas Wealth |
| Experience | Over 50 years in financial planning |
| Awarding body | Chartered Insurance Institute |
| Profile page | aetas-wealth.com/team/peter-rose.html |
| [email protected] |
Professional background
Peter Rose has spent over five decades in financial planning, advising private clients, families and business owners. He holds the APFS designation from the Chartered Insurance Institute and carries the title of Chartered Financial Planner. At Aetas Wealth, he leads the firm's specialism in pension and retirement planning, with a particular focus on the inheritance tax implications of pension holdings following the Finance Act 2026 changes taking effect April 2027.
Credentials
- APFS — Advanced Diploma in Financial Planning, Chartered Insurance Institute
- Chartered Financial Planner — Chartered Insurance Institute
Specialist areas
- Pension inheritance tax planning — pre and post Finance Act 2026
- Finance Act 2026: April 2027 pension IHT changes (Pension Schemes Act 2026)
- Pension drawdown sequencing strategies
- Spousal exemption and pension death benefits
- Defined benefit pension planning and death benefits
- Tax-free lump sum strategy (including timing before April 2027)
- Annuity vs drawdown decisions
- Flexible Pension Annuity
- Retirement income planning
- Estate planning for pension holders
- Business owner pension and succession strategy
- Nil-rate band and pension IHT interaction
- Carry forward pension contribution rules
- Age 75 pension review considerations
Selected articles by Peter Rose
- How pensions are taxed after death
- Drawing your pension differently after 2027
- Pension IHT 2027 — what is changing
- Should I take my tax-free lump sum before 2027?
- Carry forward pension contributions explained
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.