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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.



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.


AFS Limited has been established since 2001, with members of our team having worked in the financial services industry for over 25 years.


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.


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.


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.


Chris Dey
Director & Chartered financial planner
Chris Dey - Chartered Financial Planner


  • 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
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
Sue Frow - Administrator

BTEC National Diploma in Business & Finance with Distinctions

Contact details
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
Beth Oldfield - Administrator

Level 4 Certificate in Paraplanning

Contact details
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
Mike Lukic - Paraplanner

Diplomas for Financial Adviser from the LIBF

Contact details
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.

David Harris
Consultant financial adviser
David Harris - Consultant financial adviser


  • Diploma for Financial Advisers from the LIBF
  • CII G60 Advanced Pensions qualification

Contact details
01246 293 851

AFS was established in 2001 by David Harris.  David has been giving financial advice tailored to his clients’ needs for over thirty-seven years.


Saving and Investing

Saving And Investing

What’s the best way to save? Are my investments in the right place?

Planning for Retirement

Planning For Retirement

What pensions do I have? When can I retirement? What kind of retirement will I have?



What’s the best way to save? Are my investments in the right place?

Protecting your Family

Protecting Your Family

What would happen if I was ill or died?  Would my family be secure?

Protecting your Income

Protecting Your Income

What would happen if I was unable to work?  Could I pay my mortgage?

Buying your Home

Buying Your Home

How much can I borrow?  Am I getting the best deal?

Passing Wealth On

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

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

Employee Benefits

What is the best pension for my employees? What other benefits could I offer to help recruit and retain staff?


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.


AFS Limited
41 Clarence Road,
S40 1LH

Phone: 01246 293 858
Email: info@afs.ltd.uk

Opening hours
9am to 5pm Monday to Friday