Quilter Financial Advisers Ltd

Reference number: 452529

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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.
  • Quilter Financial Advisers Ltd (FRN 452529) 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 Quilter Financial Advisers, 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.

Company details

From the company's Companies House record.

Company name
QUILTER FINANCIAL ADVISERS LIMITED
Company number
05693185
Company status
Active
Company type
Private limited company
Incorporated
31 January 2006 (20 years old)
Registered office
Senator House, 85 Queen Victoria Street, London, EC4V 4AB, United Kingdom
Nature of business
  • Life insurance (SIC 65110)

Current directors and secretaries

Name Role Born Appointed
Stephen Charles Gazard Director Jul 1976 3 Jul 2020
Stuart James Geard Director May 1974 1 Jul 2024
QUILTER COSEC SERVICES LIMITED Corporate secretary Not published 14 Feb 2019

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.

  • Charles Derby Financial Services Limited
  • Lima Financial Services Ltd

Names it no longer trades under

This firm has retired 66 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
  • 3FITT Group
  • Adam Wealth Management
  • Anglia Mortgages
  • Bespoke Financial
  • Bradshaw Financial Solutions
  • Carter Financial Services
  • Charles Derby
  • Charles Derby Annuties
  • Charles Derby Capital
  • Charles Derby Country & Business
  • Charles Derby Dental & Medical
  • Charles Derby Direct
  • Charles Derby Ecosse
  • Charles Derby Insurance
  • Charles Derby Islamic Finance
  • Charles Derby Mortgage Bureau
  • Charles Derby Sharia Private Clients
  • Charles Derby Transitions
  • Cheam Mortgages
  • Chris Carter Financial Services
  • Elevate Financial Services
  • Elevate Financial Solutions
  • Estate Asset Management
  • Finance Advice Wealth`
  • Fortress Financial Solutions
  • Gatton Gray Financial Services
  • Harper Financial
  • Harper Williams
  • Hatfield Hall Consultants
  • Haywood Stanton
  • In Home Financial Services
  • J.C.H. Finance
  • J Downey Financial Management
  • John Rice Financial
  • Kelly Financial
  • Kelly Mortgages Services
  • Kenton Financial
  • Kerai Roberts Associates
  • Kidderminster Mortgage Broker
  • Kings of Frinton Financial Consultants
  • Lewinski & Smith Financial Services
  • LFS The Re-Mortgage Network
  • LFS The Re-Mortgage Shop
  • Llew Financial
  • Llew Financial Services
  • London City Financial
  • London Mortgage Adviser
  • Mendip Financial Services
  • Money4Dentists
  • Mortgage World
  • MVC Commercial Services
  • Norfolk and Cambridge Mortgage Line
  • Ogden-Starkel Financial Services
  • Orchardview Financials
  • Orleeman Financial
  • Orleeman Financial Services
  • Perfect Financial Services
  • Southern Mortgages
  • Springboard Financial
  • Talkabout Mortgages
  • Vision Wealth Management
  • www.autoenrolment.org
  • www.financial-adviser-norfolk.co.uk
  • www.myfinanceplanner.co.uk
  • www.nationwidedivorce.co.uk
  • www.pensionscornwall.co.uk

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Common questions

Frequently asked questions

Is Quilter Financial Advisers Ltd FCA authorised?
Quilter Financial Advisers Ltd (FRN 452529) 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 Quilter Financial Advisers?
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. Quilter Financial Advisers Ltd (FRN 452529) 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 Quilter Financial Advisers, 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 Quilter Financial Advisers?
Protection works through the principal firm responsible for Quilter Financial Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Quilter Financial Advisers a scam or clone?
Quilter Financial Advisers 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 Quilter Financial Advisers's Firm Reference Number (FRN)?
Quilter Financial Advisers's FRN is 452529. You can verify it on the FCA register.