The Later Life Planning Group Limited

Reference number: 1045224

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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

Lendle Finance Group Ltd Reference number: 737340 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.
  • The Later Life Planning Group Limited (FRN 1045224) is an AR of Lendle Finance Group Ltd (FRN 737340). When you use The Later Life Planning Group's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Later Life Planning Group, 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
  • Later Life Protection Planning
  • Later Life Retirement Planning
  • Sure Lifetime

Company details

From the company's Companies House record.

Company number
14775678
Company status
Active
Company type
Private limited company
Incorporated
3 April 2023 (3 years old)
Registered office
First Floor 3 Cliffe Park Way, Bruntcliffe Road, Morley, LS27 0RY, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)

Current directors and secretaries

Name Role Born Appointed
Sam Christopher Wickham Director Dec 1989 3 Apr 2023
Elliott Fletcher Director May 1996 20 Sep 2024

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 Lendle Finance Group Ltd, 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 one trading name. 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 name
  • Later Life Mortgage Planning

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Common questions

Frequently asked questions

Is The Later Life Planning Group Limited FCA authorised?
The Later Life Planning Group Limited (FRN 1045224) 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 The Later Life Planning Group?
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. The Later Life Planning Group Limited (FRN 1045224) is an AR of Lendle Finance Group Ltd (FRN 737340). When you use The Later Life Planning Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Later Life Planning Group, 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 The Later Life Planning Group?
Protection works through Lendle Finance Group Ltd, the principal firm responsible for The Later Life Planning Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is The Later Life Planning Group a scam or clone?
The Later Life Planning Group 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 The Later Life Planning Group's Firm Reference Number (FRN)?
The Later Life Planning Group's FRN is 1045224. You can verify it on the FCA register.