About Us

About Us

About Us

About Us

About Us2026-03-24T14:58:13+00:00

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.

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

Explore our advice team and learn more about them and how they can help you.

  • George Davis
    Financial Advisor
  • Nicola MacEwan
    Mortgage and Protection Advisor
  • Jason Bosworth
    Financial Advisor
  • Liam Clarke
    Associate Financial Advisor

Frequently asked questions

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.

What Our Clients Think

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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