Financial Lifestyle Management Ltd
Reference number: 433338
Instant download
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 21 years
- Protected through the principal
- No FCA actions
- Active company since 2002
- Accounts filed up to 31 August 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 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.
- Financial Lifestyle Management Ltd (FRN 433338) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Financial Lifestyle Management's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Financial Lifestyle 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.
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Website
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Phone number
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Address
Third Floor, 30-32 Lombard Street, London, EC3V 9BQ, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When flmltd.com first appeared online, and whether it can receive email
- What kind of line 020 7710 3447 is
- Whether EC3V 9BQ is a shared office: 222 other firms give it
Other names (2)
If you were contacted under any of these names, it is this firm.
- FLM Trading name: A name it trades under now.
- FLM Wealth Management Trading name: A name it trades under now.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake phone numbers (2)
- 020 3769 8165
- 07441 461105
Fake websites (1)
- flmltd.org
The FCA warning these came from
- flmltd.org 20 September 2024
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company name
- FINANCIAL LIFESTYLE MANAGEMENT LIMITED
- Company number
- 04426632 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 29 April 2002 (24 years old)
- Registered office
- Level 5a, Maple House, 149 Tottenham Court Road, London, W1T 7NF, England
- Nature of business
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- Financial management (SIC 70221)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael Ronan Jewson | Director | Aug 1976 | 29 Apr 2002 | 2 other companies |
| Alexander Paul Stone | Director | Sep 1973 | 1 Aug 2008 | 1 other company |
| Sally Smithson | Director | May 1987 | 16 Jun 2017 | None |
| Michael Ronan Jewson | Secretary | Not published | 29 Apr 2002 | 2 other companies |
Other companies run by these 3 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
- 3
- closed down
- 2
- still active
- 1
In the full report: all 3 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- All 8 people who have ever been directors, with their dates
Filed accounts and finances
Profit before tax
£3.48m
+194% from £1.18m
Net assets
£1.54m
−27% from £2.11m
Cash at bank
£1.45m
−33% from £2.17m
Owed within a year
£1.27m
+15% from £1.11m
The accounts for the year to 31 August 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £12.5m, for the year to 31 August 2022.
Profit before tax
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- Both charts, 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.
Accounts filed at Companies House for company 04426632. 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
Financial Lifestyle Management’s history from the FCA register and Companies House, newest first.
2024
20 September 2024
- FCA warned the public about a scam impersonating this firm
FCA warning list
2018
4 September 2018
- David James Allard stopped being a part-owner
Companies House
2017
26 April 2017
- David James Allard became a part-owner (25–50% of shares)
Companies House
2005
1 June 2005
- Became an appointed representative
FCA register
2002
29 April 2002
- Incorporated at Companies House
Companies House
In the full report: all 20 events
- All 20 events in its history (5 shown here)
- Every director appointment and resignation: 11
Firms like Financial Lifestyle Management
Other firms of the same type (financial adviser), nearest first.
In London
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 Financial Lifestyle Management
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 3 background checks on its contact details, 1 flagged
- 7 years of accounts, charted
- All 20 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: flmltd.org fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk