Lifetime Wealth Management Limited

Reference number: 400358

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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

Quilter Mortgage Planning Limited Reference number: 440718 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.
  • Lifetime Wealth Management Limited (FRN 400358) is an AR of Quilter Mortgage Planning Limited (FRN 440718). When you use Lifetime Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lifetime Wealth Management, 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 lifetime.co.uk first appeared online, and whether it can receive email
  • What kind of line 01727 848412 is
  • Who else gives the postcode AL1 3UR
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Other names (50)

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

  • Blue Light Insurance Solutions Trading name
  • Blue Light Money Trading name
  • Bright Advice Trading name
  • Bright Insurance Solutions Trading name
  • Curchods Mortgage Services Trading name
  • Derngate Wealth Management Trading name
  • Eatenton Finance Trading name
  • First Point Financial Management Trading name
  • JF Financial Associates Trading name
  • Lifetime Trading name
  • Lifetime Assure Trading name
  • Lifetime Mortgages Trading name
  • Lifetime Protect Trading name
  • Lifetime Wealth Trading name
  • My Advice Trading name
  • Pendragon Protect Trading name
  • Primary FS Lifetime Partners Trading name
  • Renshaw Protect Trading name
  • Renshaw Wealth Trading name
  • Ruth James Assured Trading name
  • Ruth James Mortgages Trading name
  • Scottsdale Lifetime Partners Trading name
  • SJH Financial Services Trading name
  • Switch Financial Services Trading name
  • Whitman Insurance Solutions Trading name
  • Lifetime Independent Management Ltd Former name
  • Lifetime Wealth Management Ltd Former name
  • ALT -FS Wealth Management Former trading name
  • ALT Wealth Management Former trading name
  • Basically Mortgages Former trading name
  • Bright Financial Management Former trading name
  • Bright Wealth Management Former trading name
  • Cath Wood Finance Former trading name
  • Curchods Former trading name
  • Hays Private Finance Former trading name
  • Kings Wealth Former trading name
  • Kings Wealth Management Former trading name
  • Mortages by Design Former trading name
  • mortgage by design Former trading name
  • OFM Group Former trading name
  • Pendragon Mortgages Former trading name
  • Redgrey Wealth Former trading name
  • Renshaw Mortgages Former trading name
  • Ruth James Consultancy Former trading name
  • Safeguard Financial Services Former trading name
  • SKL Financial Consultancy Former trading name
  • The Mortgage Man Former trading name
  • The Renshaw Mortgage Centre Former trading name
  • Together Financial Solutions Former trading name
  • www.buytoletforyou.co.uk Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Mortgage Planning 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, 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
04631136
Company status
Active
Company type
Private limited company
Incorporated
8 January 2003 (23 years old)
Registered office
12-14 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Merrigan Director Nov 1965 8 Jan 2003 25 other companies
Christopher John Last Director Jul 1956 8 Jun 2016 13 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
35
closed down
6
are FCA-registered
7

In the full report: all 35 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 7 on the FCA register, including one no longer authorised
  • The 3 companies these 2 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsAudited

Net assets

£17.1k

No earlier figure to compare

Cash at bank

£169k

No earlier figure to compare

Employees (average)

25

No earlier figure to compare

Owed within a year

£3.53m

No earlier figure to compare

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 04631136. 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

Lifetime Wealth Management’s history from the FCA register and Companies House, newest first.

Key events (6) All events (85)

2024

23 July 2024

  • Changed its registered name from "Lifetime Wealth Management Ltd"

FCA register

2016

6 April 2016

  • Paul Merrigan became a part-owner (25–50% of shares)
  • Ufuk Ozturk became a part-owner (25–50% of shares)

Companies House

2008

23 April 2008

  • Changed its registered name from "Lifetime Independent Management Ltd"

FCA register

2004

23 April 2004

  • Became an appointed representative

FCA register

2003

8 January 2003

  • Incorporated at Companies House

Companies House

In the full report: all 85 events

  • All 85 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Lifetime Wealth Management

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

connected firms
5
share a director
5
share its postcode
1

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (5), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Lifetime Wealth Management

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

In St Albans

Andrew Brooks Wealth Planning LtdSt AlbansAppointed representativeBuckley Wealth LimitedSt AlbansAppointed representativeCohesion Financial Solutions LtdSt AlbansAppointed representativeMeena Halai Wealth Solutions LimitedSt AlbansAppointed representativeNicholas WalkerSt AlbansAppointed representativeRushmere Financial Planning LtdSt AlbansAppointed 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 Lifetime Wealth Management

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

  • 35 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 85 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lifetime Wealth Management Limited FCA authorised?
Lifetime Wealth Management Limited (FRN 400358) 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 Lifetime Wealth Management?
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. Lifetime Wealth Management Limited (FRN 400358) is an AR of Quilter Mortgage Planning Limited (FRN 440718). When you use Lifetime Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lifetime Wealth Management, 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 Lifetime Wealth Management’s phone number and website?
The FCA register lists the phone number 01727 848412 and the website lifetime.co.uk for Lifetime Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is Lifetime Wealth Management a scam or clone?
Lifetime Wealth 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 Lifetime Wealth Management?
Protection works through Quilter Mortgage Planning Limited, the principal firm responsible for Lifetime Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lifetime Wealth Management?
Companies House lists 2 people with significant control of Lifetime Wealth Management: Mr Paul Merrigan (25–50% of shares) and Mr Ufuk Ozturk (25–50% of shares).
Who runs Lifetime Wealth Management?
Companies House lists 2 directors of Lifetime Wealth Management: Paul Merrigan and Christopher John Last.
How long has Lifetime Wealth Management been in business?
The company was formed on 8 January 2003.
What do Lifetime Wealth Management’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £17.1k (no earlier figure to compare) and cash at bank of £169k (no earlier figure to compare).
Does Lifetime Wealth Management use any other names?
It trades as Blue Light Insurance Solutions, Blue Light Money, Bright Advice, Bright Insurance Solutions and Curchods Mortgage Services, and 20 more names. It has previously used 25 other names, including Lifetime Independent Management Ltd, Lifetime Wealth Management Ltd and ALT -FS Wealth Management.

Sources and links

The full report on Lifetime Wealth Management Limited

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