AFL Financial Planning Services Limited
Reference number: 516642
Instant download
Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 16 years
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 30 April 2025
Responsible principal firm
Quilter Financial Limited Reference number: 497604 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- AFL Financial Planning Services Limited (FRN 516642) is an AR of Quilter Financial Limited (FRN 497604). When you use AFL Financial Planning Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from AFL Financial Planning Services, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Website, phone number and address
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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Website
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Phone number
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Address
Offices F1-F4 Monreith House, The Crichton, Bankend Road, Dumfries, Dumfriesshire, DG1 4ZZ, United Kingdom
In the full report: 3 background checks
- When aflfp.com first appeared online, and whether it can receive email
- What kind of line 01387 254780 is
- Who else gives the postcode DG1 4ZZ
Other names (3)
If you were contacted under any of these names, it is this firm.
- Advice For Life Financial Planning Trading name: A name it trades under now.
- AFL Financial Planning Services Former name: A name it was registered under before.
- Bulman Pollard Mortgage & Protection Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Quilter Financial Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- SC549176 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 2 November 2016 (9 years old)
- Registered office
- Offices F1-F4, Monreith House The Crichton, Bankend Road, Dumfries, Dumfries And Galloway, DG1 4ZZ, Scotland
- Nature of business
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- Financial management (SIC 70221)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Lee James Malin | Director | Jun 1985 | 4 Oct 2019 | 1 other company |
| Maria Theresa Mcmillan | Director | May 1980 | 4 Oct 2019 | 1 other company |
| Shaun Andrew Murphy | Director | May 1972 | 4 Oct 2019 | 2 other companies |
Other companies run by these 3 directors
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 2
- closed down
- 1
- run together
- 1
In the full report: all 2 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 1 company these 3 directors run together
- All 6 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£97.9k
+21% from £81.3k
Cash at bank
£3,831
−76% from £16.3k
Employees (average)
10
Same as 10
Owed within a year
£90.9k
−64% from £256k
No turnover or profit for the year to 30 April 2025: the accounts print them but do not tag them. The last tagged figures are £1.12m turnover and £370k profit, for the year to 30 April 2024.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
Accounts filed at Companies House for company SC549176. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
AFL Financial Planning Services’s history from the FCA register and Companies House, newest first.
2021
30 June 2021
- Paul David Malin gave up control
Companies House
28 April 2021
- Advice For Life Holdings Limited took control (75–100% of shares)
Companies House
2018
16 April 2018
- John Roxburgh Murdoch stopped being a part-owner
Companies House
2016
17 November 2016
- Changed its registered name from "AFL Financial Planning Services"
FCA register
2 November 2016
- Incorporated at Companies House
- John Roxburgh Murdoch became a part-owner (25–50% of shares)
- Paul David Malin took control (75–100% of shares)
Companies House
2010
22 January 2010
- Became an appointed representative
FCA register
In the full report: all 20 events
- All 20 events in its history (8 shown here)
- Every director appointment and resignation: 9
Firms like AFL Financial Planning Services
Other firms of the same type (financial adviser), nearest first.
In Dumfries
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on AFL Financial Planning Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 20 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk