ALM Financial Ltd

Reference number: 1002716

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

The FCA register does not name a principal for this 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.
  • ALM Financial Ltd (FRN 1002716) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from ALM Financial, 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.

Identity

Check their details

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.

  • No website on the FCA register

  • Verified phone number

    028 3839 3050

  • Verified address

    49 Church Street, Portadown, Co Armagh, BT62 3EU, United Kingdom

Also trades as
  • Andrews Loynton & McCulla

Company details

From the company's Companies House record.

Company number
NI701108
Company status
Active
Company type
Private limited company
Incorporated
30 August 2023 (2 years old)
Registered office
49 Church Street, Portadown, Craigavon, BT62 3EU, Northern Ireland
Nature of business
  • Activities of open-ended investment companies (SIC 64304)
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)
  • Pension funding (SIC 65300)

Current directors and secretaries

Name Role Born Appointed
Stephen Paul Andrews Director Mar 1989 30 Aug 2023
Luke Timothy Best Director Mar 1990 30 Aug 2023
Claire Nicholl Director May 1984 30 Aug 2023
Clodagh Martina Mary Strain-Mcdonnell Director May 1967 30 Aug 2023

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is ALM Financial Ltd FCA authorised?
ALM Financial Ltd (FRN 1002716) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for ALM Financial?
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. ALM Financial Ltd (FRN 1002716) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from ALM Financial, 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.
Is my money safe with ALM Financial?
Protection works through the principal firm responsible for ALM Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is ALM Financial a scam or clone?
ALM Financial is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is ALM Financial's Firm Reference Number (FRN)?
ALM Financial's FRN is 1002716. You can verify it on the FCA register.