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Welcome to Advice for Life Financial Planning

Here at Advice for Life Financial Planning, we believe that good financial advice should be an ongoing process - one which evolves and adapts to the many changes and challenges that life brings.

We can provide a face to face, or fully remote service, and our vision is to help you to fulfil your financial goals. We aim to become a trusted adviser for you and your family now, and in the future.

Pensions

Investments

Protection

 

Mr J

Maria is always friendly and very helpful all the time. She reviews my plans on an annual basis and always explains my position clearly.

I would highly recommend her.

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Mr J

Maria McMillan

Mr G

Shaun displays all the qualities I wanted when planning my future.

He has a way of discussing and explaining things that makes you feel both at ease and informed. I have recommended him to friends and professional contacts and received similar feedback.

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Mr G

Shaun Murphy

Mrs McH

My Financial Adviser has always given great advice, which I trust.

I have Mrs McMillan's support, she understands what my needs are.

I have recommended Maria to my friends and will do so in the future.

I have a secure wellbeing with Maria.

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Mrs McH

Maria McMillan

Mr & Mrs J

We have been clients of AFL for eighteen years.

Paul Malin was our first adviser who wisely sorted out our pensions and savings for us.

Over the years we have trusted him implicitly whilst watching our investments grow.

Maria MacMillan now handles our investments and pensions with the same dedication.

We highly recommend anyone wishing to get sound, trustworthy advice on investing to speak to AFL.

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Mr & Mrs J

Maria McMillan

Miss E

As a self-employed hairdresser, I wasn't sure how I would pay my new mortgage and the rest of my bills if I got sick.

I went to AFL for advice, and they not only provided me with mortgage insurance and critical illness cover, they also provided me with an income protection plan in case I was off work with a short term accident or illness. All of this was for the same monthly price that the bank had quoted me for basic mortgage insurance. I couldn't believe it.

They also advised me on how and why I should start saving for retirement. I now have a pension plan in place. The tax benefits alone are worth it!

I am so glad I went about seeking professional financial advice as there is no way I could have done this myself. I now feel safe and secure that my bills will be paid and I feel comfortable knowing that I am saving into my pension and won't have to fully rely on the state pension when I retire.

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Miss E

Maria McMillan

Mrs P

Maria is a good adviser, she listens to what you would like to do with your money, then advises on the best way to do it.

She asks a lot of questions, but this is because she can then find out which investments and level of risk you would like to take, then points you in the right direction.

If you need any help or advice, she is only on the end of the phone or you can call into the office just about any time you want.

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Mrs P

Maria McMillan

Mrs K

My adviser provides an excellent personalised service. He gives sound advice, whilst always giving consideration to individual needs. I would highly recommend him to others.

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Mrs K

Andrew Geddes

Mrs L

Andrew has been extremely helpful in all aspects of financial advice regards; Pensions, Life Insurances, Critical illness etc.

We have found all advice given by AFL for over 10 years to be sound, and great benefit, giving us, as a family, confidence that we are financially able to deal with most financial situations. 

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Mrs L

Andrew Geddes

Mrs H

I was contacted by Eloise after my previous AFL financial adviser, Alan, retired. Eloise offered to review my financial situation. I had been concerned for a while that a private pension I held was quite stagnant and asked that we review this. 

Eloise conducted a thorough review, answering all my questions and concerns. She did not speak in jargon and explained everything to me in detail. During our conversation we also discussed investment opportunities for my savings. I knew that my savings were performing poorly due to low interest rates but was nervous about investing my money. Eloise found an investment product that was right for me, taking into account my attitudes to risk and my ethical concerns. 

I did not feel pressurised at any time and Eloise ensured I had time to read all her recommendations. I feel comfortable knowing my money is being looked after and reviewed on a regular basis. 

I believe anyone who wants to plan for their future would benefit from the services AFL provides.

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Mrs H

Eloise Waller

Mrs W

My husband Jack and I first met with AFL back in 2005 when we were seeking some investment advice. We found AFL to be informative, friendly and most importantly, we trusted them with our savings. They came to see us every year to review our plans and ensure that they continue to be suitable for us. 

When Jack sadly passed away in February 2017, AFL used their utmost discretion and managed to ensure that the transfer of funds was done as smoothly as possible. They continue to manage and review my plans on an annual basis and thanks to that, my investments are now in the most tax efficient environment. If and when I need access to my savings, it’s just a simple phone call and they take care of it for me. I am glad that we went to see AFL when we did as I don’t think I would be in the position I am in today if I hadn’t.

 

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Mrs W

Maria McMillan

Mrs C

After receiving a recommendation from a friend when I was looking for mortgage advice, I found Pamela gave me clear easy to understand and objective advice, offering me options that enabled me to make the best choice for my circumstances.

Following my experience with AFL Mortgage services, I was then introduced to Shaun who again has offered open, objective and clear advice in laymen’s terms about my pensions and some investments.

AFL Planning Services have provided me with ongoing support and advice and I would have no hesitation in recommending them as  Financial Advisors

 

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Mrs C

Shaun Murphy

Mrs C

After receiving a recommendation from a friend when I was looking for mortgage advice five years ago, I found the Advice for Life team gave me clear easy to understand and objective advice, offering  me mortgage options that enabled me to make the best choice for my circumstances.

Following my positive experience with Advice for Life‘s Mortgage services, I was then introduced to the investment team who again gave me open, objective and clear advice in laymen’s terms about my pensions and some investments.

Over the last five years, I have continued to contact Advice for Life for information as my circumstances have changed, and they continue to give me great support.  I would have no hesitation in recommending them as Financial Advisors

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Mrs C

Shaun Murphy

Mr C

I would be lost without my adviser. 

He has always given sound, trustworthy advice.

He always advises on what is best for my situation, and puts my interests first.

He has always went over and above, and the service is always exceptional.

I would have no hesitation in recommending him to anyone.

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Mr C

Shaun Murphy

Mrs B

Shaun Murphy took on my elderly aunt to build a new portfolio.

He has been attentive, sincere, honest and supportive throughout our negotiations and I consider ourselves extremely fortunate to have had him recommended to us.

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Mrs B

Shaun Murphy

Mr K

We are very happy with Maria of AFL handling and advising us with our financial investments.

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Mr K

Maria McMillan

Mrs H

My Adviser has been a great help to me and I always appreciate any help I'm offered. First class service many thanks.

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Mrs H

Andrew Geddes

Mrs B

I have always found that my adviser is very patient, and good at explaining financial matters, and any queries put to her.

Her advice on investments is sound - I continue to be very pleased with their performance.

during a recent period of great personal stress, I received prompt attention and was very grateful for the support received.

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Mrs B

Maria McMillan

Mrs H

I contacted Advice for Life as I had recently bought my first house and needed insurance in place for the mortgage. I had no idea where to start online and wanted to speak to someone direct so they could advise me correctly. 

Eloise explained everything thoroughly and answered all questions I had and made sure I fully understood what I was taking out.

I chose Advice for Life as they are local, and I was recommended by friends who also use them. I was extremely happy with the service provided as not only did we get a good deal, it was also fast an efficient. It was also good to know I could call or e mail if I ever had any issues and I would definitely recommend to my friends in the future if they ever need to speak to someone for advice.

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Mrs H

Eloise Waller

Mr S

I have had the pleasure of working with Shaun for a number of years. His advice and guidance has been easy to understand and follow and he has always been available to allay any concerns or proactively suggest any investment/savings avenue that may suit us.

I would have no hesitation in recommending him and have done so.

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Mr S

Shaun Murphy

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About Us

We have been providing financial planning services for almost 20 years, and during that time we have built up a reputation for providing reliable, clear and concise financial advice. We have grown to become one of the largest and most trusted financial advice firms in the South of Scotland.

Regardless of what stage of life you are at, we can help you plan for the future, whether you’re thinking about buying your first home, putting money aside for your children, or planning for your retirement. We can also ensure that plans are in place to make sure that your loved ones will be financially secure if you are no longer here to provide for them.

We understand that everyone is different, and that your financial needs are unique, so the help and advice we give is designed just for you.

Advice for life, at a time & place that suits you

We believe that everyone can benefit from the services we offer, and that’s why our experienced team of advisers look after both private and business clients throughout Dumfries and Galloway and beyond. We are proud to be a locally based business, but as you can see from the map opposite, we have clients throughout the whole of the UK.

We appreciate that with the fast pace of modern life, sitting down and discussing your financial objectives can often be a challenge, that’s why we are committed to offering client meetings whenever and wherever is most convenient for you.

Typically we can meet you at your home, place of work, at our office in Dumfries town centre. We can also offer online meetings if preferred.


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Our Trusted Partners

What our clients say about us

 

We're supporting Dementia Friends Scotland

Advice for Life Financial Planning are proud to support Dementia Friends Scotland.

We're supporting Football in the Community

Proudly supporting football in the community. Bringing business together through youth football.

AFL Financial Planning Services Limited are an appointed representative ofQuilter Financial Limited.