Our Mission

All Aspects Financial was set up to give our customers the best possible advice and to help them plan their financial path for the future. We will endeavour to give our clients service that far exceeds expectation whilst ensuring that our customers are offered regular communication to ensure they have peace of mind.

Our Vision

We want to lead from the front and maintain a local feel to how we work. We believe in making advice simple, accessible and transparent. Our vision is to impact the industry in a positive and effective manner. We ensure our customers are at the heart of our business from start to finish, and tailor what we do to suit you.

Our Values

We treat all our customers with Honesty, Careful Consideration and Professionalism. As a company we strive to develop, adapt and evolve as drivers of success. We have complete dedication and commitment to our clients, forming close bonds with our clients over the years we work with them. We always give our best and are there for our clients when you need us the most.

With over 15 years’ experience in financial services, we use our expertise and knowledge to help clients plan for the future and optimise their finances.  Our background and experience began with helping clients prepare for retirement, save for the future and reduce tax.  All Aspects Financial was then founded – with the belief that by considering and dealing with every aspect of our clients financial needs, we can deliver better advice and a better outcome for our clients overall.

4 Principles That Govern Our Approach


We recognise everyone is different, so it makes sense to be flexible in how we help you. You can expect to get the advice and service you need in the way you want


We put your interests at the core of what we do, keeping things simple, the process transparent and acting with integrity at all times


Our creative and innovative approach sets us apart from competition. Thinking outside the box allows us to find alternative and often more efficient ways of achieve your goals


We deliver actions, advice and outcomes that yield the greatest impact for you, both now and the future.

Meet the Team

Michael Nicolaou
Michael Nicolaou
Financial Planner

Michael started his career 15 years ago working with Investments before moving into Financial Planning. As the founding partner of All Aspects Financial, Michael’s focus is on delivering excellence to his clients and growing his business into a known brand.

He chose to settle in Andover with his wife and two daughters, having grown up in the Hampshire region.

His hobbies include music, badminton and spending time outdoors.

Craig Barton
Craig Barton
Client Liaison

Craig has a wealth of experience in the Financial Services sector spanning several years. Working closely with our advisers, he provides invaluable support to ensure that our clients get the best possible experience, regular updates and efficient service.

Craig is currently studying towards a career in Financial Planning. His hobbies include fishing, sports and technology.

Craig also enjoys spending his free time on day trips out with his partner and young daughter

Virginia Harris
Virginia Harris
Office Manager

Virginia comes from a sales and account management background. She performs multiple functions which include administration and operations.

An invaluable member of the team, Virginia’s charisma and focus bring energy to the business whilst ensuring the business operates smoothly.

She enjoys the outdoors, spending time with her friends and her family.

Who are St. James's Place?

All Aspects Financial are a Partner Practice of St. James’s Place Wealth Management. This means we benefit of all the resources of this FTSE100 firm whilst offering a personalised and boutique experience that you would expect from a smaller firm.

The Group

St. James’s Place have a number of wholly owned subsidieries offering services such as Stock Brokering and Discretionary fund management through Rowan Dartington. They also have close relationships with external companies – these other companies offer a wide variety of supporting services for our clients such as speicalist banking, bespoke lending and currency exchange. Whilst some of these services are seperate and distinct to St. James’s Place, this network of companies  enables us to deliver a comprehensive range of financial services to our clients.

The Guarantee

St. James’s Place guarantees the suitability of the advice given by members of the St. James’s Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group’s website – www.sjp.co.uk/products

The Experts

Within St. James’s Place, they offer a vast network of some of the most experienced technical experts in the industry, available to collaborate, consult and support in the delivery of our advice. By working as a Team, no client need is too complicated for All Aspects Financial.

The value of your investment with St. James’s Place or Rowan Dartington may fall as well as rise. You may get back less than you invested.

A Different Way to Invest

St. James’s Place offers a distinctive Investment Management Approach (IMA) by employing some of the best fund managers in the world to run their portfolios. St. James’s Place support, monitor and control the funds to ensure they always operate in the interests of our clients and mandate set. This gives our clients additional protection and avoids the necessity to do fund switches over the years since when they feel there is a better fund manager in the market, they change them.

Find Out More By Clicking Here

Let’s Talk About Your Project

Get in touch today so we can help you on the right financial path.

Michael Nicolaou

Michael Nicolaou

All Aspects Financial

GDPR Cookie Consent with Real Cookie Banner