Peter Rose is a Chartered Financial Planner and Pensions Specialist with over 50 years of experience advising private clients, families and business owners across the UK. He holds the Advanced Diploma in Financial Planning (APFS) from the Chartered Insurance Institute, one of the highest qualifications in UK financial planning.
Pension and inheritance tax planning
Peter leads Aetas Wealth's work on the Finance Act 2026 pension inheritance tax changes, the most significant reform to pension and estate planning in a generation. From 6 April 2027, most unspent defined contribution pension funds will be brought within the scope of inheritance tax for the first time, ending their status as an IHT-exempt legacy vehicle.
His advisory work in this area covers the full range of planning decisions arising from the change: pension death benefit nominations, drawdown sequencing strategy, the interaction between pension and other estate assets, defined benefit scheme reviews, spousal exemption planning, and second-death estate planning. He works alongside private client solicitors and accountants where trust structures or estate administration are involved.
Retirement income planning
Peter's broader work focuses on the transition into retirement and the years that follow. He helps clients structure sustainable income from pensions, investments and other assets; assess when and how to take benefits; and plan for the long-term sustainability of their finances in retirement. He places particular emphasis on cash flow modelling to give clients a clear picture of how their money will behave over time.
Business owners and directors
Peter advises business owners and company directors on coordinated personal and business financial planning, including pension contribution strategy, the timing of pension crystallisation around business exits, and how pension funds interact with the overall estate plan following a sale.
Credentials and background
Peter holds the APFS designation from the Chartered Insurance Institute and is a Chartered Financial Planner. Over more than five decades in practice, he has advised clients through multiple economic cycles, pension legislation changes, and estate planning reforms. The Finance Act 2026 pension changes represent the most significant shift in his area of specialism in the last twenty years, and he has devoted considerable attention to ensuring clients are well-prepared ahead of the April 2027 deadline.
Outside of his professional work, Peter has a long-standing interest in chess, along with a well-developed appreciation for food, wine and travel. He also enjoys the cinema and theatre and, when time allows, driving his Alfa Romeo Spider, while maintaining a pragmatic distance from DIY.
Peter's writing on pension IHT
- Pensions and inheritance tax from April 2027, the full briefing
- What happens to my pension if I die before or after April 2027?
- Pension IHT and the spousal exemption after April 2027
- Should I take my pension tax-free lump sum before April 2027?
- Defined benefit pension members and the April 2027 IHT changes
- Business owners, large pension pots, and the April 2027 IHT changes
- Drawing your pension differently after 2027
- How pensions are taxed after death