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
ValidPath Limited Reference number: 197107 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.
- Life IFA Ltd (FRN 1044330) is an AR of ValidPath Limited (FRN 197107). When you use Life IFA's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Life IFA, 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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No website on the FCA register
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Phone number
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Address
34 Jervis Road, Bishop's Stortford, Hertfordshire, CM23 3TT, United Kingdom
In the full report: 2 background checks
- What kind of line 07718 978765 is
- Who else gives the postcode CM23 3TT
FCA permissions and consumer protection
- Protection through the principal firmProtection works through ValidPath Limited, 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.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 16539604 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 June 2025 (1 year old)
- Registered office
- 34 Jervis Road, Bishop's Stortford, Hertfordshire, CM23 3TT, United Kingdom
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Thomas Richard Christmas | Director | Sep 1993 | 24 Jun 2025 | None |
| Leah Christmas | Director | Feb 2001 | 7 Apr 2026 | None |
| Thomas Richard Christmas | Secretary | Not published | 24 Jun 2025 | – |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Key dates in its history
Life IFA’s history from the FCA register and Companies House, newest first.
2026
7 April 2026
- Leah Christmas appointed as a director
Companies House
2025
14 November 2025
- Became an appointed representative
FCA register
24 June 2025
- Incorporated at Companies House
- Thomas Richard Christmas took control (75–100% of shares)
- Thomas Richard Christmas appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Life IFA
Other firms of the same type (financial adviser), nearest first.
In Bishop's Stortford
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 Life IFA
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
- 2 background checks on its contact details
- All 5 events in its history
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Frequently asked questions about this firm
Is Life IFA Ltd FCA authorised?
What does appointed representative mean for Life IFA?
What is Life IFA’s phone number?
Is Life IFA a scam or clone?
Is my money safe with Life IFA?
Who owns Life IFA?
Who runs Life IFA?
How long has Life IFA been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk