Aspiration Financial Management Ltd: FCA regulated?

Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Appointed for 9 years
Protected through the principal
No FCA actions
Active company since 2016
Accounts filed up to 31 March 2026

Responsible principal firm

ADCAS FINANCIAL MANAGEMENT LIMITED Reference number: 222123 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.
Aspiration Financial Management Ltd (FRN 763796) is an AR of ADCAS FINANCIAL MANAGEMENT LIMITED (FRN 222123). When you use Aspiration Financial Management's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Aspiration Financial Management, 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.

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.

No website on the FCA register
Phone number

01253 405900
Address

90 Whitegate Drive, Blackpool, Lancashire, FY3 9DA, United Kingdom

In the full report: 2 background checks

What kind of line 01253 405900 is, and the other firm that gives it
Who else gives the postcode FY3 9DA

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Adcas Financial Management 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 Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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 name: ASPIRATION FINANCIAL MANAGEMENT LIMITED
Company number: 10452920 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 31 October 2016 (10 years old)
Registered office: 90 Whitegate Drive, Blackpool, Lancashire, FY3 9DA, United Kingdom
Nature of business: Life insurance (SIC 65110)
Fund management activities (SIC 66300)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
James Alan Cocker	Director	Aug 1979	31 Oct 2016	4 other companies
Michael David Stelfox	Director	Feb 1966	31 Oct 2016	4 other companies

Other companies run by these 2 directors

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: 8
closed down: 3
is FCA-registered: 1

In the full report: all 8 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register

Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£409

Down £2 from £411

Employees (average)

0

Same as 0

Owed within a year

£3,307

−12% from £3,738

Net assets

In the full report: all 7 years of accounts

Every year from 2020 to 2026
The chart, over every year
Every filed figure, year by year

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 10452920. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2016

7 November 2016

Became an appointed representative

FCA register

31 October 2016

Incorporated at Companies House
Adcas Financial Management Ltd became the majority owner (50–75% of shares)
Taking Control Limited became a part-owner (25–50% of shares)
James Alan Cocker appointed as a director
Michael David Stelfox appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Aspiration Financial Management

Other FCA-listed firms that share a director, phone number or address with Aspiration Financial Management. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 2
no longer authorised: 1
share a director: 1

In the full report: all 2 connected firms, named

How each is linked: shared directors (1), the same phone number (1), the same postcode (2)
Who links each one: the named directors, with dates

Firms like Aspiration Financial Management

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

In Blackpool

Andrew VarleyBlackpoolAppointed representative Dawn SheedyBlackpoolAppointed representative Hanley & Co. LimitedBlackpoolAppointed representative Joanne M Laffin Financial Planning LtdBlackpoolAppointed representative R & H Financial Planning LimitedBlackpoolAppointed representative Streets (Blackpool) LimitedBlackpoolAppointed representative

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 Aspiration Financial Management

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

8 other companies its directors have run, named
2 background checks on its contact details
7 years of accounts, charted
All 6 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Aspiration Financial Management Ltd FCA authorised?

Aspiration Financial Management Ltd (FRN 763796) 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 Aspiration Financial Management?

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. Aspiration Financial Management Ltd (FRN 763796) is an AR of ADCAS FINANCIAL MANAGEMENT LIMITED (FRN 222123). When you use Aspiration Financial Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Aspiration Financial Management, 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.

What is Aspiration Financial Management’s phone number?

The FCA register lists the phone number 01253 405900 for Aspiration Financial Management. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Aspiration Financial Management a scam or clone?

Aspiration 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 Aspiration Financial Management?

Protection works through Adcas Financial Management Limited, the principal firm responsible for Aspiration Financial Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Aspiration Financial Management?

Aspiration Financial Management is owned by Adcas Financial Management Ltd, which holds 50–75% of shares, since 31 October 2016.

Who runs Aspiration Financial Management?

Companies House lists 2 directors of Aspiration Financial Management: James Alan Cocker and Michael David Stelfox.

How long has Aspiration Financial Management been in business?

The company was formed on 31 October 2016.

What do Aspiration Financial Management’s latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £409 (down £2 from £411).