Business Details
Your Trusted Partner for Financial Planning Solutions in Dumfries
We are a well-established financial advisory firm based in Dumfries, Scotland, with a reputation for delivering reliable, client-focused advice tailored to individual needs. Our experienced team of qualified advisers has worked together for many years, supporting private and business clients across Dumfries and Galloway, Cumbria, and throughout the UK. Specialising in pensions, investments, protection, and mortgages, we prioritise long-term relationships, offering face-to-face or remote consultations at times and locations convenient for our clients. As an appointed representative of Quilter Financial Limited, authorised and regulated by the Financial Conduct Authority, we adhere to rigorous professional standards.Our commitment to transparency, tax-efficient strategies, and sophisticated cashflow planning tools ensures clients receive bespoke solutions aligned with their financial goals. With a focus on education and clarity, we empower clients to make informed decisions, whether planning for retirement, purchasing a home, or safeguarding their family's future. Our community involvement, including support for Dementia Friends Scotland and local youth football, reflects our dedication to making a positive impact beyond financial services.
Services
Pensions
Investments
Protection
Mortgages
Life Insurance
Critical Illness Cover
Income Protection
Private Medical Insurance
Savings
Inheritance Tax Planning
Highlights and features
- We offer personalised financial advice tailored to your unique needs and goals.
- Our team has decades of combined experience in pensions, investments, and mortgage planning.
- We provide access to whole-of-market mortgage products for competitive options.
- Our cashflow planning tools help visualise and achieve long-term financial objectives.
- Regulated by the Financial Conduct Authority, ensuring your trust and protection.
Associations and certifications
- Financial Conduct Authority
What people say
Friendly and helpful
Easy to understand advice
Excellent mortgage advice
Sound investment advice
Prompt attention
Services
Pensions
We help clients plan for retirement by creating tailored pension strategies. Our advisers assess your goals, risk tolerance, and financial situation to recommend suitable options. From consolidating existing pensions to navigating post-2015 flexible withdrawal rules, we ensure your retirement savings align with your aspirations while optimising tax efficiency.
Investments
Our investment services focus on growing your wealth through diversified portfolios tailored to your risk profile. We utilise cutting-edge strategies and cashflow planning tools to maximise returns while maintaining appropriate risk levels. Whether you're saving for a specific goal or building generational wealth, our team provides ongoing portfolio reviews and market insights to help your investments thrive.
Protection
We offer comprehensive protection plans including life insurance, critical illness cover, and income protection. Our advisers assess your personal circumstances to recommend policies that safeguard your family's financial future. We use specialist tools like CI Expert to compare providers and ensure coverage meets your needs, whether protecting a mortgage, replacing income during illness, or mitigating inheritance tax liabilities.
Mortgages
Our whole-of-market mortgage service helps clients find competitive rates tailored to their situation. We explain different mortgage types, from fixed-rate to buy-to-let options, and handle the application process. Whether you're a first-time buyer or experienced landlord, we provide impartial advice on repayment strategies and associated protection products to ensure your mortgage aligns with your long-term financial plan.
Inheritance Tax Planning
We specialise in reducing inheritance tax liabilities through strategic financial planning. Our advisers help structure investments and trusts to protect assets for future generations. By combining pension strategies, lifetime gifts, and other tax-efficient vehicles, we create bespoke solutions that preserve wealth while complying with current regulations, ensuring your legacy benefits your chosen beneficiaries.
People
Lee Malin
Director
Lee oversees strategic direction and ensures adherence to regulatory standards across all advisory services.
Shaun Murphy
Director / Senior Financial Adviser
Shaun provides expert financial advice, specialising in pensions and investments with over 15 years' experience.
Maria McMillan
Director / Senior Financial Adviser
Maria focuses on client relationships, delivering tailored financial solutions with a reputation for clear communication.
Martyn Slater
Senior Financial Adviser
Martyn specialises in mortgage and protection planning, offering comprehensive advice to homebuyers.
Alan McJannett
Financial Adviser
Alan supports clients with investment strategies and retirement planning, leveraging market expertise.
Questions
What financial services do you offer?
We provide pensions, investments, protection, mortgages, and inheritance tax planning services tailored to individual needs.
Are you regulated by any official body?
Yes, we're authorised and regulated by the Financial Conduct Authority as Quilter representatives.
Can I meet advisers outside office hours?
We offer flexible appointments at your home, workplace, or online at times convenient for you.
Do you work with clients outside Scotland?
While based in Dumfries, we serve clients throughout the UK with both in-person and remote options.
How do you charge for financial advice?
Our fees vary by service – we provide transparent cost details before starting any advisory work.
Reviews (4)
B. L.
Dec 21, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
We have used this company for a good while now and always receive a brilliant, fast and personal service. Would recommend them anytime.
We have used this company for a good while now and always receive a brilliant, fast and personal service. Would recommend them anytime.
Martin Johnson
Nov 29, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
The service I have received from AFL has been superb. I have only been a client for a short while, yet in that time they have gone above and beyond. Their literature is clear and I know what service I can expect and more importantly I know exactly how much it costs me!
The service I have received from AFL has been superb. I have only been a client for a short while, yet in that time they have gone above and beyond. Their literature is clear and I know what service I can expect and more importantly I know exactly how much it costs me!
Dimensions Curriculum
Nov 27, 2021
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Positive:Professionalism
AfL have taken on my personal and business financial management recently and I have been impressed with both their level of professionalism and friendly approach.
AfL have taken on my personal and business financial management recently and I have been impressed with both their level of professionalism and friendly approach.
Esther Blake
Nov 26, 2021
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Positive:Professionalism,Responsiveness
Advice for Life have been professional yet friendly, clearly explained things and responded to all my queries in a timely manner. I would highly recommend them.
Advice for Life have been professional yet friendly, clearly explained things and responded to all my queries in a timely manner. I would highly recommend them.
