Iolaire Financial Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 9 years
Your funds are protected by FSCS
No FCA actions
Active company since 2016
Accounts filed up to 31 May 2026

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.

Website

iolairefinancial.co.uk (opens in a new tab)
Phone number

01764 664210
Address

50 High Street, Auchterarder, Perthshire, PH3 1DB, United Kingdom

In the full report: 3 background checks

When iolairefinancial.co.uk first appeared online, and whether it can receive email
What kind of line 01764 664210 is
Who else gives the postcode PH3 1DB

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 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 (12 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Advising on Pension Transfers and Pension Opt Outs
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
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: SC534350 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 3 May 2016 (10 years old)
Registered office: 50 High Street, Auchterarder, Perth And Kinross, PH3 1DB, Scotland
Nature of business: Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Daley Adelani Smith	Director	Jul 1981	3 May 2016	4 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: 4
closed down: 2
still active: 2

In the full report: all 4 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 2 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 May 2026Small company accountsNot audited

Net assets

£206k

+1.8% from £202k

Cash at bank

£218k

+69% from £129k

Employees (average)

7

Same as 7

Owed within a year

£153k

+37% from £111k

Assets and liabilities

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 SC534350. 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

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

Key events (8) All events (13)

2023

15 May 2023

Daley Adelani Smith stopped being a part-owner
Iolaire Group Holdings Limited took control (75–100% of shares)
Lynda Margaret Upperton stopped being a part-owner

Companies House

2016

1 December 2016

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

3 May 2016

Incorporated at Companies House
Daley Adelani Smith became a part-owner (25–50% of shares)
Lynda Margaret Upperton became a part-owner (25–50% of shares)

Companies House

In the full report: all 13 events

All 13 events in its history (8 shown here)
Every director appointment and resignation: 3

Firms like Iolaire Financial

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

In the Perth (PH) postcode area

Crieff Financial & Mortgage Centre LimitedCrieffAuthorised Inglis Financial Advice LtdCrieffAuthorised McHb Wealth Management LimitedPerthAuthorised Michael Anthony CollPerthshireAuthorised Ross Bell Associates LtdCrieffAuthorised Shape Pensions & Advisory Services LimitedCrieffAuthorised

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 Iolaire Financial

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

4 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 13 events in its history

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Frequently asked questions about this firm

Is Iolaire Financial Limited FCA authorised?

Yes, Iolaire Financial Limited (FRN 751579) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2016 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Iolaire Financial’s phone number and website?

The FCA register lists the phone number 01764 664210 and the website iolairefinancial.co.uk for Iolaire Financial. If you were given different contact details, use these to check with the firm before going any further.

Is Iolaire Financial a scam or clone?

Iolaire 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 Iolaire Financial?

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 Iolaire Financial to the Financial Ombudsman Service, free of charge.

Who owns Iolaire Financial?

Iolaire Financial is owned by Iolaire Group Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 15 May 2023. Before that, it was controlled by Mrs Lynda Margaret Upperton and Mr Daley Adelani Smith.

Who runs Iolaire Financial?

Companies House lists one director of Iolaire Financial: Daley Adelani Smith.

How long has Iolaire Financial been in business?

The company was formed on 3 May 2016, and has held its current FCA authorisation since December 2016.

What do Iolaire Financial’s latest accounts show?

Its latest accounts, to 31 May 2026, show net assets of £206k (+1.8% from £202k) and cash at bank of £218k (+69% from £129k).