Book a free conversation.
No obligation. No sales pitch. Just an honest conversation about where you are and what you need to put in place over the next decade to secure the retirement you want.
Daniel Cottam
Financial Adviser · Aetas Wealth
Mid-life planning: your first conversation with Aetas
This is not a sales call. The first conversation with Aetas Wealth is free, lasts around 30 to 45 minutes, and is designed to help you understand whether now is the right time to build a more structured financial plan.
Daniel Cottam will ask about your income, existing pensions, investments, protection arrangements, and what your retirement looks like in your head. You do not need detailed figures. A clear sense of your situation and priorities is enough.
At the end of the call, Daniel will give you an honest view of whether Aetas Wealth can help, what that would involve, and what it would cost. There is no obligation to proceed.
- ✓ Free, no-obligation initial conversation
- ✓ By phone or video, UK-wide
- ✓ Regulated financial advice under FCA registration 458421
- ✓ You speak with a qualified adviser, not a call handler
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What we cover with mid-life clients
The first conversation is about understanding where you are and what you are trying to achieve. We will typically explore:
- ✓ Whether your current pension contributions will support the retirement you are planning
- ✓ Cash flow modelling to show you what is achievable and where the gaps are
- ✓ The Finance Act 2026 changes and how pension inheritance tax applies to your position
- ✓ Investment structure and tax efficiency as your wealth grows more complex
Aetas Wealth is a trading name of Insight Financial Associates Ltd, authorised and regulated by the Financial Conduct Authority (FRN 458421).