AFS LIMITED - INDEPENDENT FINANCIAL PLANNING FOR YOU
We are independent financial planners who strive to provide straightforward impartial quality financial advice.
We work for a wide range of clients, including young families, business owners, company directors and retirees.
Established in 2001 and based in Chesterfield, we also have clients in Sheffield and throughout Derbyshire, Yorkshire and Nottinghamshire. We have over 25 years of experience in helping people like you.
Call us today to arrange a free consultation to see how we can help you achieve your goals and aspirations.
We will review your current situation and provide independent financial planning to suit you.
WHY WORK WITH AFS LIMITED
Assurance
You can have confidence that as independent financial advisers we are not tied to any financial institution. We are paid by you to give you an informed choice about the most suitable options available, tailored to fit your unique circumstances.
Experience
AFS Limited has been established since 2001, with members of our team having worked in the financial services industry for over 25 years.
Professionalism
Our clients have a dedicated lead adviser who is supported by our administration team. All our clients are valuable and our aim is to build long term, successful relationships with every one of them.
Understanding
Our advisers are qualified and experienced in helping people like you. We are used to dealing with a variety of situations and will always endeavour to find a solution that suits you.
Accountability
We are authorised and regulated by the Financial Conduct Authority. We are subject to FCA rules and guidelines, and our advice is independently reviewed by our third-party compliance partner.
OUR TEAM
Chris Dey
Director & Chartered financial planner
Qualifications
- CII Advanced Diploma in Financial Planning
- CII Certificate in Mortgage Advice
- CII Certificate in Equity Release
- CII Long-term care qualification
- CII G60 Advanced Pensions qualification
Contact details
chris@afs.ltd.uk
01246 293 855
07967 475 987
Chris has over 25 years of experience in financial planning and has been an adviser at AFS for over 20 years.
He advises clients on a wide range of areas including pensions, investments, mortgages and protection products.
Sue Frow
Administrator
Qualifications
BTEC National Diploma in Business & Finance with Distinctions
Contact details
susan@afs.ltd.uk
01246 293 853
Sue has worked at AFS for over 10 years in an administrative role. Prior to this Sue worked in sales at Auto Windscreens before going on to helped manage their specialist glazing department call centre and the day to day running of the team of technician.
Beth Oldfield
Administrator
Qualifications
Level 4 Certificate in Paraplanning
Contact details
beth@afs.ltd.uk
01246 293 854
Beth joined AFS in 2022. She recently completed her level 4 paraplanning qualification. Prior to joining AFS she worked in her family’s financial services business.
Mike Lukic
Paraplanner
Qualifications
Diplomas for Financial Adviser from the LIBF
Contact details
mike@afs.ltd.uk
01246 293 852
Mike started as a financial adviser at Abbey Life in 1984. He was an adviser for 34 years. A career highlight was managing the two Premier League and Football League pension schemes for 10 years. He joined AFS in 2022 as a paraplanner.
HOW WE CAN HELP YOU
Saving And Investing
What’s the best way to save? Are my investments in the right place?
Planning For Retirement
What pensions do I have? When can I retirement? What kind of retirement will I have?
Retirement
What’s the best way to save? Are my investments in the right place?
Protecting Your Family
What would happen if I was ill or died? Would my family be secure?
Protecting Your Income
What would happen if I was unable to work? Could I pay my mortgage?
Buying Your Home
How much can I borrow? Am I getting the best deal?
Passing Wealth On
How can I help my family? How do I pass as much as possible to my children and grandchildren?
Protecting Your Business
How can I protect my business if I lose a key member of staff? What happens if my business partner dies or is no longer able to work?
Employee Benefits
What is the best pension for my employees? What other benefits could I offer to help recruit and retain staff?
HOW WE GET PAID
Initial Meeting
Your initial meeting with us is free and without obligation. This allows us to establish your needs and goals, and how we might assist you. We also discuss how we will be paid for future work we carry out on your behalf.
Our charges are based on the amount of time spent working for you by the financial adviser and our support staff. We endeavour to use appropriately skilled staff to conduct all work undertaken.
Our fees can either be deducted from the product being arranged, or you can pay us directly. You can even pay by a combination of the two. The choice is yours.
Ongoing Advice and Financial Reviews
Our fee is used to cover the cost of an annual review meeting and any work resulting from the review, for example, rebalancing your portfolio of investments. We also provide access to your personal financial adviser and regular summaries which set out the value of your investments and pensions. For ongoing financial planning, we typically charge a 0.5% annual fee*.
No Catches, No Hidden Fees!
We endeavour to ensure that your will always understand what the charges are and why they are being made. We feel that our approach is refreshing, clear and transparent.
* Based on a fund value of £100,000, an ongoing charge of 0.5% of this amount would mean that it would cost £500 per annum to provide an ongoing service (£100,000 x 0.5% = £500). If the fund value increases over time, the ongoing charge then increases accordingly.
CONTACT US
AFS Limited
Brookdale,
41 Clarence Road,
Chesterfield,
S40 1LH
Phone: 01246 293 858
Email: info@afs.ltd.uk
Opening hours
9am to 5pm Monday to Friday