JM Independent Financial Advisers Ltd

Reference number: 625327

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Authorised by the FCA

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

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

  • When jmifa.co.uk first appeared online, and whether it can receive email
  • What kind of line 0131 538 2121 is
  • Who else gives the postcode EH3 7RA
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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.
  • 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 (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • 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
SC473934
Company status
Active
Company type
Private limited company
Incorporated
31 March 2014 (12 years old)
Registered office
4 Chester Street, Edinburgh, EH3 7RA, Scotland
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
James Mclaughlin Director Jul 1971 31 Mar 2014 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • All 3 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£6.19m

+7.2% from £5.78m

Cash at bank

£8.88m

+1.6% from £8.74m

Employees (average)

9

Same as 9

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
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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 SC473934. 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

JM Independent Financial Advisers’s history from the FCA register and Companies House, newest first.

Key events (9) All events (17)

2023

27 November 2023

  • Gillian Ann McLaughlin became a part-owner (25–50% of shares)
  • James McLaughlin became a part-owner (25–50% of shares)
  • Planit Holdings Limited gave up control

Companies House

2022

15 July 2022

  • James McLaughlin no longer has significant control
  • Planit Holdings Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • James McLaughlin gained significant control

Companies House

2014

1 October 2014

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

FCA register

31 March 2014

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (9 shown here)
  • Every director appointment and resignation: 5
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Firms like JM Independent Financial Advisers

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

In Edinburgh

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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 JM Independent Financial Advisers

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is JM Independent Financial Advisers Ltd FCA authorised?
Yes, JM Independent Financial Advisers Ltd (FRN 625327) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2014 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is JM Independent Financial Advisers’ phone number and website?
The FCA register lists the phone number 0131 538 2121 and the website jmifa.co.uk for JM Independent Financial Advisers. If you were given different contact details, use these to check with the firm before going any further.
Is JM Independent Financial Advisers a scam or clone?
JM Independent Financial Advisers 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 JM Independent Financial Advisers?
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 JM Independent Financial Advisers to the Financial Ombudsman Service, free of charge.
Who owns JM Independent Financial Advisers?
Companies House lists 2 people with significant control of JM Independent Financial Advisers: Mr James McLaughlin (25–50% of shares) and Mrs Gillian Ann McLaughlin (25–50% of shares). Before that, it was controlled by Planit Holdings Limited.
Who runs JM Independent Financial Advisers?
Companies House lists one director of JM Independent Financial Advisers: James McLaughlin.
How long has JM Independent Financial Advisers been in business?
The company was formed on 31 March 2014, and has held its current FCA authorisation since October 2014.
What do JM Independent Financial Advisers’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £6.19m (+7.2% from £5.78m) and cash at bank of £8.88m (+1.6% from £8.74m).

Sources and links

The full report on JM Independent Financial Advisers Ltd

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