Toft Financial Limited

Reference number: 743568

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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

KEYSTONE FINANCIAL LIMITED Reference number: 501917 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.
  • Toft Financial Limited (FRN 743568) is an AR of KEYSTONE FINANCIAL LIMITED (FRN 501917). When you use Toft Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Toft Financial, 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 number
10067173
Company status
Active
Company type
Private limited company
Incorporated
16 March 2016 (10 years old)
Registered office
The Sheiling Trouthall Lane, Plumley, Knutsford, WA16 9RY, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Duncan Ronan Selkirk Director Jun 1977 16 Mar 2016
Nancy Elizabeth Selkirk Director Mar 1977 6 Apr 2020

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 KEYSTONE FINANCIAL 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 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
  • Toft Estate Planning

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Common questions

Frequently asked questions

Is Toft Financial Limited FCA authorised?
Toft Financial Limited (FRN 743568) 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 Toft Financial?
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. Toft Financial Limited (FRN 743568) is an AR of KEYSTONE FINANCIAL LIMITED (FRN 501917). When you use Toft Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Toft Financial, 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 Toft Financial?
Protection works through KEYSTONE FINANCIAL LIMITED, the principal firm responsible for Toft Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Toft Financial a scam or clone?
Toft Financial 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 Toft Financial's Firm Reference Number (FRN)?
Toft Financial's FRN is 743568. You can verify it on the FCA register.