NeedingAdvice.co.uk Ltd

Reference number: 938312

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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

Rosemount Financial Solutions (IFA) Limited Reference number: 535515 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.
  • NeedingAdvice.co.uk Ltd (FRN 938312) is an AR of Rosemount Financial Solutions (IFA) Limited (FRN 535515). When you use NeedingAdvice.co.uk's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from NeedingAdvice.co.uk, 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

    07912 076990

  • Verified address

    107-109 Far Bank, Shelley, Huddersfield, West Yorkshire, HD8 8HT, United Kingdom

Also trades as 9 other names
  • Advice4Directors.co.uk
  • directorincomeprotection.co.uk
  • inbusinesstogether.co.uk
  • offthefield.co.uk
  • ProtectYourBiz.co.uk
  • rateswitchrewards.co.uk
  • relevantlifepolicy.com
  • selfemployedhelp.co.uk
  • thefinancewoman.co.uk

Company details

From the company's Companies House record.

Company number
12978572
Company status
Active
Company type
Private limited company
Incorporated
27 October 2020 (5 years old)
Registered office
107-109 Far Bank, Shelley, Huddersfield, HD8 8HT, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Current directors and secretaries

Name Role Born Appointed
Damian Youell Director Dec 1974 27 Oct 2020
Lisa Youell Director Aug 1977 27 Oct 2020
Romany Angel Youell Director Mar 2002 17 Jun 2026

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 Rosemount Financial Solutions (IFA) 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.

Names it no longer trades under

This firm has retired 2 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
  • relevantlifepolicyinsurance.co.uk
  • thefinancewomen.co.uk

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Common questions

Frequently asked questions

Is NeedingAdvice.co.uk Ltd FCA authorised?
NeedingAdvice.co.uk Ltd (FRN 938312) 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 NeedingAdvice.co.uk?
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. NeedingAdvice.co.uk Ltd (FRN 938312) is an AR of Rosemount Financial Solutions (IFA) Limited (FRN 535515). When you use NeedingAdvice.co.uk's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from NeedingAdvice.co.uk, 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 NeedingAdvice.co.uk?
Protection works through Rosemount Financial Solutions (IFA) Limited, the principal firm responsible for NeedingAdvice.co.uk's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is NeedingAdvice.co.uk a scam or clone?
NeedingAdvice.co.uk 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 NeedingAdvice.co.uk's Firm Reference Number (FRN)?
NeedingAdvice.co.uk's FRN is 938312. You can verify it on the FCA register.