Whether you operate as an appointed representative or a self-employed adviser, you retain full economic rights to your client bank, subject to standard regulatory and contractual protections.

In certain circumstances, you may be asked to complete transactional business referred by another adviser. In those cases, the ongoing client relationship remains with the originating adviser.

Advisers may sell or transfer their client bank, subject to regulatory approval and firm processes.

We operate a structured, commercially aware compliance framework designed to support high-quality advice while protecting your business:

• Clear policies and procedures with Consumer Duty embedded within our Advice Framework
• Responsive and proportionate file reviews 
• Practical feedback, with additional training and guidance where appropriate
• A compliance approach focused on client outcomes, not box-ticking

At All Aspects Financial, we operate as a collaborative advisory team – supporting one another on complex cases, during periods of ill health, and in growing our respective businesses.

Regardless of whether you are an appointed representative or self-employed adviser, you benefit from the backing of a professional team while retaining the autonomy and discretion to run your own business.

• An emphasis on avoiding unnecessary bureaucracy

We recognise that advisers are business owners. While you may have no intention of stopping, it is essential to plan for unforeseen events and eventual succession:

• Contractual provisions designed to preserve income and protect the value of your client bank if you need to stop advising unexpectedly.
• Guidance regarding cross-option agreements to protect shareholders in the event of death or long-term ill health
• Guidance on arranging appropriate business protection policies to fund buy-out arrangements
• Support in forming locum agreements with other advisers within the group to maintain client servicing continuity
• Succession planning advice for those looking to step back, sell, or retire
• Support with business valuation and exit structuring
• Introductions to potential internal buyers where appropriate
• Guidance on protecting recurring income and preserving enterprise value

We support our appointed representative firms in developing their own distinct propositions structured to be effective, compliant, and aligned with Consumer Duty:

• Set your own charging structure, whether fixed fees, percentage-based, or subscription models
• Define minimum fees for initial and ongoing services based on your target market
• Determine how and when you charge mortgage fees, including complex or specialist cases
• Design your service model, review structure, and client journey
• Develop your own website and branding aligned with your vision
• Access to our Central Investment Proposition, with the flexibility to develop your own where appropriate.

Beyond infrastructure, we provide ongoing guidance and commercial support to help you grow and operate confidently:

• Ad hoc technical analysis from our paraplanning team (subject to availability), including FE Analytics research
• Dedicated business development support to help scale and refine your proposition
• Ongoing sales and product training
• Personalised tax guidance on structuring your business, completing self-assessment, and utilising allowances efficiently
• Access to ThreeSixty compliance and technical support
• Legal guidance on business-related matters and disputes
• Referrals and lead opportunities (subject to availability and standard referral terms)

We provide a complete infrastructure designed to help you operate efficiently, compliantly, and professionally — without needing to build it yourself.

• All Aspects Financial email address and OneDrive (for self employed advisers)
• Dedicated landing page hosted on our website
• Mortgage and protection sourcing systems
• Integrated fact-find and risk profiling software with client portal
• Cashflow forecasting and financial planning tools
• Task management and workflow system
• AML checking tool, with verification costs covered
• Central Investment Proposition supported by structured whole of market research
• Professional Indemnity, Public Liability and Employers’ liability insurance (Self employed only for PL/EL)

We operate a transparent three-tier revenue structure based on experience, quality standards, and production levels. Progression is performance-led and reviewed annually.

• Associate Adviser: 70%
• Adviser: 80%
• Senior Adviser: 85%