Family Shield Financial Ltd

Reference number: 993821

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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.

Responsible principal firm

First Complete Limited Reference number: 435779 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.
  • Family Shield Financial Ltd (FRN 993821) is an AR of First Complete Limited (FRN 435779). When you use Family Shield Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Family Shield 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.

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

    07805 625676

  • Address

    West Midlands House, Gipsy Lane, Willenhall, West Midlands, WV13 2HA, United Kingdom

In the full report: 2 background checks

  • What kind of line 07805 625676 is
  • Who else gives the postcode WV13 2HA
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through First Complete 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 number
14623441
Company status
Active
Company type
Private limited company
Incorporated
28 January 2023 (3 years old)
Registered office
West Midlands House, Gipsy Lane, Willenhall, WV13 2HA, England
Nature of business
  • Life insurance (SIC 65110)
  • Non-life insurance (SIC 65120)

Directors and company secretaries

Name Role Born Appointed Other companies
Zoe Susan Richards Director Oct 1990 28 Jan 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 31 January 2025Micro-entity accountsNot audited

Total equity

£30

Down £221 from £251

Employees (average)

2

Same as 2

Owed within a year

£4,372

−34% from £6,637

Assets and liabilities

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 14623441. 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

Family Shield Financial’s history from the FCA register and Companies House, newest first.

Key events (5) All events (8)

2024

7 October 2024

  • Matthew Keith Richards stopped being a part-owner

Companies House

3 January 2024

  • Matthew Keith Richards became a part-owner (25–50% of shares)

Companies House

2023

24 March 2023

  • Became an appointed representative

FCA register

28 January 2023

  • Incorporated at Companies House
  • Zoe Susan Richards took control (75–100% of shares)

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Family Shield Financial

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Family Shield Financial

Other firms of the same type (mortgage adviser or broker), nearest first.

In Willenhall

Dwello Mortgages LimitedWillenhallAppointed representativeEllis RussellWillenhallAppointed representativeRE Mortgages Midlands LtdWillenhallAppointed representativeMahay Solutions LimitedWillenhallAuthorised

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 Family Shield Financial

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • All 8 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Family Shield Financial Ltd FCA authorised?
Family Shield Financial Ltd (FRN 993821) 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 Family Shield 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. Family Shield Financial Ltd (FRN 993821) is an AR of First Complete Limited (FRN 435779). When you use Family Shield Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Family Shield 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.
What is Family Shield Financial’s phone number?
The FCA register lists the phone number 07805 625676 for Family Shield Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Family Shield Financial a scam or clone?
Family Shield Financial 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 Family Shield Financial?
Protection works through First Complete Limited, the principal firm responsible for Family Shield Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Family Shield Financial?
Companies House lists one person with significant control of Family Shield Financial: Mrs Zoe Susan Richards (75–100% of shares). Before that, it was controlled by Mr Matthew Keith Richards.
Who runs Family Shield Financial?
Companies House lists one director of Family Shield Financial: Zoe Susan Richards.
How long has Family Shield Financial been in business?
The company was formed on 28 January 2023.
What do Family Shield Financial’s latest accounts show?
Its latest accounts, to 31 January 2025, show total equity of £30 (down £221 from £251).

Sources and links

The full report on Family Shield Financial Ltd

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