Alpha Financial Management Limited

Reference number: 214376

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

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.

In the full report: 3 background checks

  • When afm.org.uk first appeared online, and whether it can receive email
  • What kind of line 0151 949 1666 is
  • Who else gives the postcode L22 4QS
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Proper Pensions Trading name
  • Smart Pet Cover Trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (13 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
04405679
Company status
Active
Company type
Private limited company
Incorporated
27 March 2002 (24 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Lee Director May 1968 27 Mar 2002 6 other companies

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
6
closed down
6

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£148k

+3% from £144k

Cash at bank

£11.4k

−29% from £16.1k

Employees (average)

6

No earlier figure to compare

Owed within a year

£64.2k

−2.7% from £66.0k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 04405679. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Alpha Financial Management’s history from the FCA register and Companies House, newest first.

Key events (7) All events (15)

2024

2 December 2024

  • Kathleen Margaret Richards stopped being a part-owner

Companies House

2016

6 April 2016

  • Kathleen Margaret Richards became a part-owner (25–50% of shares)
  • Stephen Lee became the majority owner (50–75% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2002

14 November 2002

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

27 March 2002

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms like Alpha Financial Management

Other firms of the same type (financial adviser), nearest first.

In Liverpool

Affinity Financial Awareness LimitedLiverpoolAuthorisedBeatties Financial ServicesLiverpoolAuthorisedBeyond Advice Group LtdLiverpoolAuthorisedBishopgate LimitedLiverpoolAuthorisedCAM Wealth Group LimitedLiverpoolAuthorisedCampbell Insurance Services LimitedLiverpoolAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Alpha Financial Management

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is Alpha Financial Management Limited FCA authorised?
Yes, Alpha Financial Management Limited (FRN 214376) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2002 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Alpha Financial Management’s phone number and website?
The FCA register lists the phone number 0151 949 1666 and the website afm.org.uk for Alpha Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is Alpha Financial Management a scam or clone?
Alpha Financial Management is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Alpha Financial Management?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Alpha Financial Management to the Financial Ombudsman Service, free of charge.
Who owns Alpha Financial Management?
Companies House lists one person with significant control of Alpha Financial Management: Mr Stephen Lee (50–75% of shares). Before that, it was controlled by Mrs Kathleen Margaret Richards.
Who runs Alpha Financial Management?
Companies House lists one director of Alpha Financial Management: Stephen Lee.
How long has Alpha Financial Management been in business?
The company was formed on 27 March 2002, and has held its current FCA authorisation since November 2002.
What do Alpha Financial Management’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £148k (+3% from £144k) and cash at bank of £11.4k (−29% from £16.1k).
Does Alpha Financial Management use any other names?
It trades as Proper Pensions and Smart Pet Cover.

Sources and links

The full report on Alpha Financial Management Limited

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