Lifetime Financial Management Intermediaries Ltd

Reference number: 225795

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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 lifetime-fm.com first appeared online, and whether it can receive email
  • What kind of line 01226 208600 is
  • Who else gives the postcode S75 3SP
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Other names (3)

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

  • Lifetime Trading name
  • Keypoint Independent Former trading name
  • Lifetime Financial Management Former trading name

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.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (14 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
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • 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
04539070
Company status
Active
Company type
Private limited company
Incorporated
18 September 2002 (24 years old)
Registered office
1 Queen's Square, Ascot Business Park, Lyndhurst Road, Ascot, Berkshire, SL5 9FE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Dickinson Director May 1967 3 Apr 2003 2 other companies
Johanna Rager Director Sep 1969 1 Apr 2026 18 other companies
Brian Kenneth Raven Director Apr 1956 1 Apr 2026 17 other companies
Andrew Shaun Wealthall Director Jul 1975 1 Apr 2026 1 other company

Other companies run by these 4 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
28
closed down
2
went insolvent
1

In the full report: all 28 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 11 on the FCA register, including one no longer authorised
  • The 8 companies these 4 directors run together
  • All 12 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£977k

+25% from £779k

Cash at bank

£404k

−9.1% from £445k

Employees (average)

39

−15% from 46

Owed within a year

£669k

+1.8% from £657k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 04539070. 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

This firm’s history from the FCA register and Companies House, newest first.

Key events (7) All events (33)

2026

1 April 2026

  • Ian Dickinson no longer has significant control
  • Tavistock Investments PLC took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Ian Dickinson gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2003

16 September 2003

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2002

18 September 2002

  • Incorporated at Companies House

Companies House

In the full report: all 33 events

  • All 33 events in its history (7 shown here)
  • Every director appointment and resignation: 18
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Connected firms

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

connected firms
9
share a director
8
share its postcode
1

In the full report: all 9 connected firms, named

  • How each is linked: shared directors (8), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 3 past links through former directors
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Similar firms

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

In Barnsley

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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 this firm

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

  • 28 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 33 events in its history
  • 9 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lifetime Financial Management Intermediaries Ltd FCA authorised?
Yes, Lifetime Financial Management Intermediaries Ltd (FRN 225795) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2003 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Lifetime Financial Management Intermediaries’ phone number and website?
The FCA register lists the phone number 01226 208600 and the website lifetime-fm.com for Lifetime Financial Management Intermediaries. If you were given different contact details, use these to check with the firm before going any further.
Is Lifetime Financial Management Intermediaries a scam or clone?
Lifetime Financial Management Intermediaries 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 Lifetime Financial Management Intermediaries?
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 Lifetime Financial Management Intermediaries to the Financial Ombudsman Service, free of charge.
Who owns Lifetime Financial Management Intermediaries?
Lifetime Financial Management Intermediaries is owned by Tavistock Investments PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 April 2026. Before that, it was controlled by Mr Ian Dickinson.
Who runs Lifetime Financial Management Intermediaries?
Companies House lists 4 directors of Lifetime Financial Management Intermediaries: Ian Dickinson, Johanna Rager, Brian Kenneth Raven and Andrew Shaun Wealthall.
How long has Lifetime Financial Management Intermediaries been in business?
The company was formed on 18 September 2002, and has held its current FCA authorisation since September 2003.
What do Lifetime Financial Management Intermediaries’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £977k (+25% from £779k) and cash at bank of £404k (−9.1% from £445k).
Does Lifetime Financial Management Intermediaries use any other names?
It trades as Lifetime. It has previously used 2 other names: Keypoint Independent and Lifetime Financial Management.

Sources and links

The full report on Lifetime Financial Management Intermediaries Ltd

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