Who are we?
We founded All Aspects Financial on the belief that advice works best when it considers the whole picture. We look beyond individual products and focus on you – assessing how every element of your finances works together and where improvements can be made. With strong foundations and a clear strategy in place, you gain control and confidence in achieving your objectives. Not just building wealth, but securing genuine financial wellbeing.
Independent: All our advisers look at the entire market to deliver the best possible advice and solution to suit your needs.
FCA Regulated: We are accountable and responsible for the quality, service, and professional standards behind every piece of advice we provide.
Forward Thinking: We design and deliver innovative strategies that create efficient, measurable and high impact results for you in a changeable world.
Financial Advisors that understand you
Our team specialises in solving complex financial challenges and building smarter strategies to grow and protect your wealth. Whether you are planning for retirement, managing investments, or securing your family’s future, we act as a committed partner focused on achieving your goals. We handle the complexity behind the scenes and deliver clear and practical advice so you can benefit from the confidence that comes with having your finances in order.
500+
Satisfied Clients
Meet Our Leadership Team
Our team ensures the advice our IFA’s give is compliant, high quality and delivered to a high standard.
Frequently asked questions
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.
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.
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.
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.
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 GoogleTrustindex 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 GoogleTrustindex 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 youPosted on GoogleTrustindex 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 GoogleTrustindex 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 GoogleTrustindex 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 GoogleTrustindex 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 GoogleTrustindex 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 GoogleTrustindex verifies that the original source of the review is Google. Would highly recommend for excellent financial advice!Posted on GoogleTrustindex 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 GoogleTrustindex 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
