All Aspects Financial2026-03-24T14:59:54+00:00

All your Financial needs
All in one place

All your financial needs
All in one place

Independent Financial Advisers and experts with money

Specialist Advisers For All Your Needs

We believe that by providing advice on all your financial needs, we can deliver different and better advice.

You can expect us to deliver high impact advice in an efficient and strategic manner, helping you make the biggest difference to your circumstances and achieving your objectives and goals.

Our team of experts cover a broad spectrum of services, including wealth management, retirement planning, mortgages and legacy planning.

We work with individuals and business owners across the UK, helping them make better financial decisions, plan properly for the future and optimise their finances.

Retirement Planning

Create a plan to make sure you have a comfortable retirement and your money lasts

Financial & Tax Planning

Start structuring your finances tax efficiently to effectively build and protect your long-term wealth.

Pensions & Investments

Review your existing policies to ensure you have the best investments in the whole market.

Mortgages

Secure the best mortgage solution available with expert advice tailored to your circumstances and goals.

Estate Planning

Start protecting your family and assets, ensuring your wealth passes on smoothly and tax efficiently.

Business Advice

Explore our range of expert services to help support and strengthen you and your business.

Expert Financial Planning at it’s finest

At All Aspects Financial, we combine deep expertise with a human touch to ensure your wealth works as hard as you do.

  • Tailored Advice: We recognise that no two people have the same priorities, so we skip the templates and build a plan around your specific circumstances.

  • Meaningful Impact: We don’t just talk about theories; we focus on taking actions that lead to tangible results for your bank balance and your peace of mind.

  • Modern Tools: We use technology to keep things transparent and precise, giving you a clear view of where you stand without the usual paperwork headaches.

Meet Our Leadership Team

Our team ensures the advice our IFA’s give is compliant, high quality and delivered to a high standard

  • Michael Nicolaou
    Senior Partner and Financial Advisor
  • Maria Peavoy
    Business Operations Manager
  • Luke Land
    Partner and Advisor
  • Carmen Malham
    Paraplanning and Case Manager

Financial Planning Built Around You

We understand everyone is different, so a flexible approach is needed in how we facilitate and deliver our advice process. After getting to know you, your goals for the future and a thorough understanding of your finances, we will create a tailored and bespoke plan to succeed.

Expand to read our commonly asked questions by clients

What do you charge for advice and how do I pay?2026-02-25T13:58:16+00:00

For Pensions and Investment advice, we aim to take our fee from your plan directly as this often has tax benefits for you. Our fees however become due once you’ve received the advice report.

Our fees are fair, commensurate and transparent – typically calculated as a percentage of the investments under review. The larger the investments we are reviewing, the smaller the percentage.

What is contingent charging?2026-02-25T13:57:24+00:00

In the market, some advisers only charge if you proceed with a particular course of action following their advice – like transferring a plan. We call this ‘contingent charging’. We feel this creates a conflict of interest for the adviser to recommend a particular course of action to ensure they get paid, which we feel can sometimes lead to bad advice.

We charge for the advice work rather than the specific recommendations and processing of that advice. This means you get the possible advice, each and every time.

What does being an Independent Adviser mean versus being restricted?2026-02-25T13:56:54+00:00

Restricted Advice often means if a product is involved, they recommend a solution from a pool of their own products and services, or from a limited range available. This is more about how the first concludes the best option for you.
Our Independent advisers don’t always require products to perform their work, but if they do – they will have researched the entire market to help deliver the best possible solution. We consider all the options and leave no stone unturned when we deliver advice. Harder work for us, better outcomes for you.

How do I prepare for a discovery call?2026-02-25T13:56:30+00:00

We ask our clients to complete a Financial Questionnaire in advance. This enables the adviser to prepare and deliver a valuable first call for you. This will also help flesh out areas where we can help, add value and ensure the next step is the right step.

How do I start the process of taking advice?2026-02-25T13:56:08+00:00

Book a free discovery call which usually lasts 45 minutes. During that meeting, we will aim to  deliver a financial healthcheck, get an understanding of how we can help you and explain how we work. It is your opportunity to decide if you want to work with us and ask us questions. If you are happy to proceed, we will send you a client agreement to sign that confirms our costs and services in a transparent way.

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All Aspects Financial and AAF are trading names of All Aspects Financial Planning Ltd
Company Registration Number 12900318
Financial Conduct Authority (FCA) Firm Reference 1008239.
Registered Office: 4 River Close, Four Marks, Hampshire, GU34 5XB

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Let’s Talk About Money

Contact Info

4 River Close, Four Marks, Hampshire, GU34 5XB

0330 390 5700

enquiries@allaspectsfinancial.co.uk

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