All your Financial needs
All in one place

All your financial needs
All in one place

Independent Financial Advisors and experts with money

Specialist Advisors 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
Senior Partner and Advisor
Carmen Malham
Paraplanning and Case Manager

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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.

Get started todayGet started today

Expand to read our commonly asked questions by clients

What do you charge for advice and how do I pay?arman@accsellera.com2026-05-26T07:21:35+00:00

What do you charge for advice and how do I pay?

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 are payable 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. In some instances, our advisers may charge a fixed fee.

What is contingent charging?arman@accsellera.com2026-02-25T13:57:24+00:00

What is contingent charging?

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?arman@accsellera.com2026-02-25T13:56:54+00:00

What does being an Independent Adviser mean versus being restricted?

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?arman@accsellera.com2026-02-25T13:56:30+00:00

How do I prepare for a discovery call?

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?arman@accsellera.com2026-02-25T13:56:08+00:00

How do I start the process of taking advice?

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.

What Our Clients Think

    
 
 
       Posted on Google  
   
   nicholas royston-smith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael Nicolaou took the time to listen carefully to what I needed and gave clear explanations along with sound advice. He was not trying to "sell me something" and I trusted him immediately. I am very happy that he's managing my financial affairs.
  
 
      Posted on Google  
   
   swinkie34 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael Nicolaou gave speedy, excellent, well thought out advise for a complex situation. I felt he went above and beyond and was very understanding and empathetic towards my situation. No hesitation in recommending him. He is a man of honour and integrity. Thank you
  
 
      Posted on Google  
   
   John Leese 
 
 
 
 Trustindex verifies that the original source of the review is Google. Friendly, well informed, well explained, no pressure, the options were presented and we were left to choose. An excellent service. Highly recommended.
  
 
      Posted on Google  
   
   Adam Smith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael at All Aspects Financial has been super helpful in assisting with my life cover, will writing and general money saving advice. He is knowledgeable and very easy to talk to. Overall a great service. Would recommend!
  
 
      Posted on Google  
   
   Sam Jones 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brilliant service and helped me massively - I worked with Michael Nicolaou who has been excellent and nothing but a pleasure to work with.
  
 
      Posted on Google  
   
   The Surgery Design and Digital Ltd 
 
 
 
 Trustindex verifies that the original source of the review is Google. Solid financial advice from Michael. He opened my eyes to some important issues. Thank you!
  
 
      Posted on Google  
   
   Mark Fryer 
 
 
 
 Trustindex verifies that the original source of the review is Google. My wife and i had a meeting with Michael on Friday 14 March, within the first 5 minutes we were impressed, Michael was very professional, knowledgeable and informative. We asked a number of questions regarding pensions and savings and Michael answered all very clearly and gave us multiple options. Michael also gave us additional info on subjects such a POAs and wills, all very welcome info. We are definitely following up this meeting for further advice and help. Fast forward to May and we have now had a second meeting with Michael to put our affairs in order, yet again we had an extremely professional and informative meeting and are now in the process of updating our wills and POAs, Michael was again really helpful and informative and has arranged everything for us to our complete satisfaction, I would strongly recommend All Aspects Financial and in particular Michael, thank you for all your help.
  
 
      Posted on Google  
   
   PortelliECSmedia 
 
 
 
 Trustindex verifies that the original source of the review is Google. Would highly recommend for excellent financial advice!
  
 
      Posted on Google  
   
   Juliet de Watteville 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was recommended Michael by friends and he has been and continues to be extremely helpful in guiding me through how best to manage my finances since divorcing.  We recently have also organised POA for me.  I do not hesitate to recommend this company.
  
 
      Posted on Google  
   
   Peter Holden 
 
 
 
 Trustindex verifies that the original source of the review is Google. AAF and Michael in particular give excellent advice / guidance to maximise your retirement funds and other financial activities. I would highly recommend this company and Michael