Financial advice that fits how you actually live.
You have the apps. You have the ISA. You might even have a PensionBee account. A collection of tools is not a financial plan. Aetas Wealth brings it all together, in plain English, around what matters to you.
The apps are useful. But they only go so far.
Monzo tells you where your money went. Freetrade lets you buy ETFs. PensionBee consolidates your old pension pots. These are genuinely good tools, and if you use them you are already ahead of most people your age.
But tools track. Advisers think.
When the Finance Act 2026 changed the inheritance tax treatment of pensions, most app-based platforms sent their users an email. Aetas clients had a conversation. We looked at each person's specific situation, adjusted their planning, and made sure the change worked for them rather than against them.
That is the difference.
The things that actually keep you up at night.
We cover the full range of financial planning. These are the areas that matter most to people at your life stage.
Pensions and retirement
Consolidating old workplace pensions. Understanding what the Finance Act 2026 changes mean for your specific situation. Making sure your pension is working as hard as it should be, at every stage of life.
Investments and ISAs
Reviewing what you hold and whether it still makes sense. Building a strategy that balances growth and risk properly, based on your goals rather than a risk questionnaire completed years ago.
Protection and planning
Income protection, life cover, and making sure your family is not exposed if things go wrong. The conversation most people put off and wish they had not.
Tax efficiency
Using your annual allowances properly. Understanding ISA vs pension vs GIA. Making sure you are not paying more tax than you need to, now or in the future.
Advice built on experience. Delivered without the jargon.
Aetas Wealth is an FCA-regulated independent financial advisory practice. Our team includes Chartered Financial Planners and pension specialists with careers spanning some of the UK's leading financial institutions.
We work with clients across the full range of life stages, but we have built this part of our practice specifically for people in their 30s and 40s who are at the point where getting professional advice starts to matter.
Not because something has gone wrong. Because you are building something worth protecting.
Questions we hear most often.
Do I need a financial adviser in my 30s?
If you have a pension, an ISA, or a mortgage, you already have enough at stake to benefit from regulated advice. Most people find that professional advice helps them avoid common mistakes, make the most of tax allowances, and build a plan that fits their life rather than a generic template.
Can a financial adviser help if I already use apps like Monzo or PensionBee?
Yes, and the two work well together. Apps are useful for tracking and saving. A regulated financial adviser does something different: they look at your whole picture, including pensions, investments, protection and tax, and help you build a strategy. You do not need to choose between them.
What does the Finance Act 2026 pension change mean for me?
From April 2027, unspent pension funds will be brought within the scope of inheritance tax for the first time. This affects anyone with a pension they intend to pass on, including younger savers building long-term pension pots. An adviser can model the impact on your situation and help you plan around it. Our guide covers this in detail.
How much does financial advice cost?
Aetas Wealth charges transparent, agreed fees with no hidden commissions. A first conversation is free and carries no obligation. We publish our fee structure on our website so you know what to expect before any commitment is made.
Want to go deeper? Read our companion guide: Financial planning in your 30s and 40s: what the apps do not tell you.
Ready to see the full picture?
A first conversation costs nothing and commits you to nothing. We will ask about your situation, tell you honestly what we think, and let you decide whether working together makes sense.
Book a free consultation Available via video call or in person. We work with clients across the UK.