Peter Rose APFS

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 covers the full range of decisions arising from the change: pension death benefit nominations, drawdown sequencing, 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, with particular emphasis on cash flow modelling.

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.