Erica McIlmoyle

Reference number: 1034349

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Appointed representative

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

Responsible principal firm

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • Erica McIlmoyle (FRN 1034349) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Erica McIlmoyle's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Erica McIlmoyle, 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When elmfinancialplanning.co.uk first appeared online, and whether it can receive email
  • What kind of line 07754 190267 is
  • Whether SW3 1JJ is a shared office: 116 other firms give it
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Other names (1)

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

  • ELM Financial Planning Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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.

Key dates in its history

Erica McIlmoyle’s history from the FCA register and Companies House, newest first.

2025

4 June 2025

  • Began trading as "ELM Financial Planning"

FCA register

28 May 2025

  • Became an appointed representative

FCA register

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

Firms like Erica McIlmoyle

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

In London

SIX Financial Information UK LimitedLondonAppointed representativeMagellan Investment Partners (UK) LimitedLondonAppointed representativeMoonfare UK LimitedLondonAppointed representativeAlpha FX Institutional LimitedLondonAppointed representativeLCP Capital Solutions LimitedLondonAppointed representativeBrighton Park Capital UK LimitedLondonAppointed 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 Erica McIlmoyle

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

  • 3 background checks on its contact details, 1 flagged
  • All 2 events in its history

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Frequently asked questions about this firm

Is Erica McIlmoyle FCA authorised?
Erica McIlmoyle (FRN 1034349) 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 Erica McIlmoyle?
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. Erica McIlmoyle (FRN 1034349) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Erica McIlmoyle's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Erica McIlmoyle, 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 Erica McIlmoyle’s phone number and website?
The FCA register lists the phone number 07754 190267 and the website elmfinancialplanning.co.uk for Erica McIlmoyle. If you were given different contact details, use these to check with the firm before going any further.
Is Erica McIlmoyle a scam or clone?
Erica McIlmoyle 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 Erica McIlmoyle?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Erica McIlmoyle's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Erica McIlmoyle use any other names?
It trades as ELM Financial Planning.

Sources and links

The full report on Erica McIlmoyle

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