KLC Financial Limited

Reference number: 813748

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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

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.
  • KLC Financial Limited (FRN 813748) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use KLC Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from KLC 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.

In the full report: 3 background checks

  • When klcfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01905 950346 is
  • Who else gives the postcode WR5 2ZX
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Other names (2)

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

  • Kirsty Coldicott Former name
  • KLC Wealth Management Former 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
12582843
Company status
Active
Company type
Private limited company
Incorporated
1 May 2020 (6 years old)
Registered office
Pershore House, Whittington Hall, Worcester, WR5 2ZX, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Kirsty Louise Coldicott Director Oct 1978 1 May 2020 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£12.2k

+63% from £7,520

Employees (average)

3

Same as 3

Owed within a year

£435k

+6.9% from £406k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 to 2025
  • 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 12582843. 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

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

Key events (4) All events (7)

2020

27 May 2020

  • Changed its registered name from "Kirsty Coldicott"

FCA register

1 May 2020

  • Incorporated at Companies House
  • Kirsty Louise Coldicott took control (75–100% of shares)

Companies House

2018

12 July 2018

  • Became an appointed representative

FCA register

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like KLC Financial

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

In Worcester

Adrian YatesWorcesterAppointed representativeFeldon Wealth Management LimitedWorcesterAppointed representativeJames WindsorWorcesterAppointed representativeJo Potts Financial Planning LimitedWorcesterAppointed representativeNew Path Financial LtdWorcesterAppointed representativeNewton Financial ServicesWorcesterAppointed 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 KLC Financial

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 7 events in its history

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Frequently asked questions about this firm

Is KLC Financial Limited FCA authorised?
KLC Financial Limited (FRN 813748) 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 KLC 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. KLC Financial Limited (FRN 813748) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use KLC Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from KLC 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 KLC Financial’s phone number and website?
The FCA register lists the phone number 01905 950346 and the website klcfinancial.co.uk for KLC Financial. If you were given different contact details, use these to check with the firm before going any further.
Is KLC Financial a scam or clone?
KLC 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 KLC Financial?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for KLC Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns KLC Financial?
Companies House lists one person with significant control of KLC Financial: Kirsty Louise Coldicott (75–100% of shares).
Who runs KLC Financial?
Companies House lists one director of KLC Financial: Kirsty Louise Coldicott.
How long has KLC Financial been in business?
The company was formed on 1 May 2020.
What do KLC Financial’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £12.2k (+63% from £7,520).
Does KLC Financial use any other names?
It has previously used 2 other names: Kirsty Coldicott and KLC Wealth Management.

Sources and links

The full report on KLC Financial Limited

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