Later Life Asset Management Limited

Reference number: 657947

Instant download

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 laterlifeasset.co.uk first appeared online, and whether it can receive email
  • What kind of line 01204 329489 is
  • Who else gives the postcode BL1 2AX
Instant PDF download

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 · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (11 permissions)
  • Advising on a home reversion plan
  • 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) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Making arrangements with a view to a home reversion plan
  • 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
09189654
Company status
Active
Company type
Private limited company
Incorporated
28 August 2014 (12 years old)
Registered office
6th Floor 120 Bark Street, Bolton, Lancashire, BL1 2AX, England
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
William Calderbank Director Dec 1960 28 Aug 2014 11 other companies
Stuart William Cartwright Director Jan 1966 28 Aug 2014 6 other companies

Other companies run by these 2 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
12
closed down
6
run together
5

In the full report: all 12 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 5 companies these 2 directors run together
Instant PDF download

Filed accounts and finances

Year to 30 April 2026Micro-entity accountsNot audited

Net assets

£29.1k

<1% from £29.1k

Employees (average)

2

Same as 2

Owed within a year

£101k

+16% from £86.8k

Net assets

In the full report: all 8 years of accounts

  • Every year from 2019 to 2026
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 09189654. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Later Life Asset Management’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2016

26 November 2016

  • Stuart William Cartwright became a part-owner (25–50% of shares)
  • William Calderbank became a part-owner (25–50% of shares)

Companies House

2015

1 April 2015

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

FCA register

2014

28 August 2014

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 2
Instant PDF download

Firms connected to Later Life Asset Management

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like Later Life Asset Management

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

In the Bolton (BL) postcode area

Mackenzie Financial Planning LimitedBuryAuthorised

Elsewhere in the UK

(SMT) Money Matters LimitedCrawleyAuthorised415 LLPWantageAuthorisedAbsolute Sense Independent Financial Advisers LimitedElySee the registerAcorn to Oaks Financial Services LtdWillenhallAuthorisedActive Financial Partners LimitedWaterloovilleAuthorised

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 Later Life Asset Management

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

  • 12 other companies its directors have run, named
  • 3 background checks on its contact details
  • 8 years of accounts, charted
  • All 10 events in its history
  • 1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Later Life Asset Management Limited FCA authorised?
Yes, Later Life Asset Management Limited (FRN 657947) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2015 and works as a pension transfer adviser. The FCA has placed no limits on its permissions.
What is Later Life Asset Management’s phone number and website?
The FCA register lists the phone number 01204 329489 and the website laterlifeasset.co.uk for Later Life Asset Management. If you were given different contact details, use these to check with the firm before going any further.
Is Later Life Asset Management a scam or clone?
Later Life Asset Management 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 Later Life Asset Management?
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 Later Life Asset Management to the Financial Ombudsman Service, free of charge.
Who owns Later Life Asset Management?
Companies House lists 2 people with significant control of Later Life Asset Management: Mr William Calderbank (25–50% of shares) and Mr Stuart William Cartwright (25–50% of shares).
Who runs Later Life Asset Management?
Companies House lists 2 directors of Later Life Asset Management: William Calderbank and Stuart William Cartwright.
How long has Later Life Asset Management been in business?
The company was formed on 28 August 2014, and has held its current FCA authorisation since April 2015.
What do Later Life Asset Management’s latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £29.1k (<1% from £29.1k).

Sources and links

The full report on Later Life Asset Management Limited

£19.99 · Instant PDF download

Loading secure checkout…