Lifetime Wealth Management Limited

Reference number: 400358

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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.
  • Lifetime Wealth Management Limited (FRN 400358) 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 Lifetime Wealth Management, 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.

Also trades as 24 other names, search them
  • Blue Light Insurance Solutions
  • Blue Light Money
  • Bright Advice
  • Bright Insurance Solutions
  • Curchods Mortgage Services
  • Derngate Wealth Management
  • Eatenton Finance
  • First Point Financial Management
  • JF Financial Associates
  • Lifetime
  • Lifetime Assure
  • Lifetime Mortgages
  • Lifetime Wealth
  • My Advice
  • Pendragon Protect
  • Primary FS Lifetime Partners
  • Renshaw Protect
  • Renshaw Wealth
  • Ruth James Assured
  • Ruth James Mortgages
  • Scottsdale Lifetime Partners
  • SJH Financial Services
  • Switch Financial Services
  • Whitman Insurance Solutions

Company details

From the company's Companies House record.

Company number
04631136
Company status
Active
Company type
Private limited company
Incorporated
8 January 2003 (23 years old)
Registered office
12-14 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Paul Merrigan Director Nov 1965 8 Jan 2003
Christopher John Last Director Jul 1956 8 Jun 2016

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.

Previously registered as

The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Lifetime Independent Management Ltd
  • Lifetime Wealth Management Ltd

Names it no longer trades under

This firm has retired 24 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • ALT -FS Wealth Management
  • ALT Wealth Management
  • Basically Mortgages
  • Bright Financial Management
  • Bright Wealth Management
  • Cath Wood Finance
  • Curchods
  • Hays Private Finance
  • Kings Wealth
  • Kings Wealth Management
  • Mortages by Design
  • mortgage by design
  • OFM Group
  • Pendragon Mortgages
  • Pendragon Protect
  • Redgrey Wealth
  • Renshaw Mortgages
  • Ruth James Consultancy
  • Safeguard Financial Services
  • SKL Financial Consultancy
  • The Mortgage Man
  • The Renshaw Mortgage Centre
  • Together Financial Solutions
  • www.buytoletforyou.co.uk

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Common questions

Frequently asked questions

Is Lifetime Wealth Management Limited FCA authorised?
Lifetime Wealth Management Limited (FRN 400358) 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 Lifetime Wealth Management?
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. Lifetime Wealth Management Limited (FRN 400358) 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 Lifetime Wealth Management, 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 Lifetime Wealth Management?
Protection works through the principal firm responsible for Lifetime Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Lifetime Wealth Management a scam or clone?
Lifetime Wealth Management 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 Lifetime Wealth Management's Firm Reference Number (FRN)?
Lifetime Wealth Management's FRN is 400358. You can verify it on the FCA register.