AMMFS Ltd was established in Sittingbourne in 2000 by our current Managing Director Angela Melanophy.

We want our clients to be financially independent, to be able to enjoy life, to pursue goals and dreams, safe and secure in the knowledge they have someone to turn to and rely on. This is what drives us to be the best we can be.
We are very proud to be Independent Financial Advisers and for us independence is not just a word it is a state of mind.

  • It’s about sitting on the same side of the table as our client, surveying the whole market and choosing the most appropriate solutions.
  • It’s about considering existing financial products (pensions, investments, mortgages, life assurance etc) by analysing these and making recommendations as to whether they should be kept or replaced. We adopt a view that existing products are suitable unless we can demonstrate otherwise.
  • It’s about being open minded to new developments from across the market and considering whether to recommend these. 

We are not a large, faceless institution and believe in providing personal one to one advice. Having tow advisers and  a support team of three means we are big enough to provide excellent support yet small enough to really get to know our clients and provide a personal, bespoke service.

If you would like to arrange a no cost or obligation meeting with one of our advisers in our offices in Sittingbourne please click in the menu above to contact us.








Angela Melanophy

Managing Director, Will Writer and Independent Financial Adviser

Angela is our Managing Director and Company Founder and has various roles within the company. She specialises in Wills, Lasting Power of Attorneys and Trust Planning under the trading name of AM Legal Services which is a trading style of the Company. She is a member of the New Leaf Will Writers Federation and works with Countrywide Tax and Trust Corporation for clients that need more complex Estate Planning and Kings Court Trust Corporation for Will Storage and Probate Services. Angela is also an Independent Financial Adviser and has joined New Leaf Distribution Ltd a National IFA firm based in Southend. Angela started her career in 1994 and so now has twenty years of experience in Financial Services. She is qualified to Diploma Standard to provide financial planning advice in all areas and is currently working to achieve Chartered status. Her specialist areas of advice are Pensions, Investment and Equity Release and Long Term Care as well as Mortgages and Protection.



Perri Wood

Finance Director, Office Manager and Head of Mortgage Paraplanning

Perri is our Office Manager and Finance Director and she ensures that the Administration Department at AM Mortgage & Financial Services runs smoothly and she also takes care of the Company finances. Perri is also Angela's joint Business Partner having joined her as a Company Director in April 2011. AM Mortgage & Financial Services have recently launched a mortgage research and packaging programme for Mortgage Advisers within the New leaf Group and Perri is using her past experience as a mortgage underwriter to spearhead this. Perri is also a Financial Planner (non Investment) and has also joined New Leaf Distribution Ltd. She specialises in Protection both personal and business.



Lynne Taylor

Office Administrator

Lynne is a valuable member of our team and is our Office Administrator and Receptionist. She looks after our clients applications once they have been submitted, dealing with any queries that clients and providers have. She also arranges appointments for clients with our Financial Advisers. She also assists Perri with the New Leaf Group Mortgage Packaging and progresses New Leaf Mortgage Advisers cases through to Mortgage Offer liasing with both their clients and the mortgage advisers.



Laura Wright


Laura's role is an Administrator and she assists Angela with drafting Wills , Trusts and Lasting Powers of Attorney. She also helps Perri with the company finances. She will also be providing support to the New Leaf Mortgage Advisers by helping both Perri and Lynne. Laura is qualified to NVQ Level 3 in Business and Administration and is currently working on her Level 2 NVQ in Customer Services.