Life IFA Ltd

Reference number: 1044330

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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.

Responsible principal firm

ValidPath Limited Reference number: 197107 Authorised 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.
  • Life IFA Ltd (FRN 1044330) is an AR of ValidPath Limited (FRN 197107). When you use Life IFA's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Life IFA, 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

    07718 978765

  • Verified address

    34 Jervis Road, Bishop's Stortford, Hertfordshire, CM23 3TT, United Kingdom

Company details

From the company's Companies House record.

Company number
16539604
Company status
Active
Company type
Private limited company
Incorporated
24 June 2025 (1 year old)
Registered office
34 Jervis Road, Bishop's Stortford, Hertfordshire, CM23 3TT, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Thomas Richard Markovitch Director Sep 1993 24 Jun 2025
Leah Christmas Director Feb 2001 7 Apr 2026
Thomas Richard Markovitch Secretary Not published 24 Jun 2025

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 ValidPath 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: 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 Life IFA Ltd FCA authorised?
Life IFA Ltd (FRN 1044330) 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 Life IFA?
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. Life IFA Ltd (FRN 1044330) is an AR of ValidPath Limited (FRN 197107). When you use Life IFA's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Life IFA, 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 Life IFA?
Protection works through ValidPath Limited, the principal firm responsible for Life IFA's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Life IFA a scam or clone?
Life IFA 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 Life IFA's Firm Reference Number (FRN)?
Life IFA's FRN is 1044330. You can verify it on the FCA register.