Lighthouse Financial Advice Limited

Reference number: 225502

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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

Lighthouse Advisory Services Limited Reference number: 195199 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.
  • Lighthouse Financial Advice Limited (FRN 225502) is an AR of Lighthouse Advisory Services Limited (FRN 195199). When you use Lighthouse Financial Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lighthouse Financial Advice, 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, 1 thing worth a closer look

  • When lighthousefinancialsolutions.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 085 8590 is
  • Whether EC4V 4AB is a shared office: 31 other firms give it
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Other names (4)

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

  • Quilter Financial Advisers Trading name
  • LighthouseTemple Ltd Former name
  • Temple Financial Planning Limited Former name
  • Keep It Simple Solutions Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Lighthouse Advisory Services 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
04795080
Company status
Active
Company type
Private limited company
Incorporated
11 June 2003 (23 years old)
Registered office
Senator House, 85 Queen Victoria Street, London, EC4V 4AB, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Charles Gazard Director Jul 1976 3 Jul 2020 52 other companies
Stuart James Geard Director May 1974 1 Jul 2024 34 other companies
QUILTER COSEC SERVICES LIMITED Corporate secretary Not published 3 Oct 2019 –

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
71
closed down
36
went insolvent
7

In the full report: all 71 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The 7 that went into liquidation or administration
  • The 15 on the FCA register
  • The 15 companies these 2 directors run together
  • All 16 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (7) All events (38)

2025

12 November 2025

  • Lighthouse Group Limited gave up control
  • Quilter Financial Planning Limited took control (75–100% of shares)

Companies House

2016

30 June 2016

  • Lighthouse Group Limited took control (75–100% of shares)

Companies House

2010

1 December 2010

  • Changed its registered name from "LighthouseTemple Ltd"

FCA register

2005

1 November 2005

  • Changed its registered name from "Temple Financial Planning Limited"

FCA register

2003

12 June 2003

  • Became an appointed representative

FCA register

11 June 2003

  • Incorporated at Companies House

Companies House

In the full report: all 38 events

  • All 38 events in its history (7 shown here)
  • Every director appointment and resignation: 28
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Firms connected to Lighthouse Financial Advice

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

connected firms
12
share a director
12
share its postcode
9

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (12), the same postcode (9)
  • Who links each one: the named directors, with dates
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Firms like Lighthouse Financial Advice

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

In London

SIX Financial Information UK LimitedLondonAppointed representativeBarrenjoey Investment Management (UK) LimitedLondonAppointed representativeMoonfare UK LimitedLondonAppointed representativeAlpha FX Institutional LimitedLondonAppointed representativeLCP Capital Solutions LimitedLondonAppointed representativeBrighton Park Capital UK LimitedLondonAppointed 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 Lighthouse Financial Advice

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

  • 71 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 38 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lighthouse Financial Advice Limited FCA authorised?
Lighthouse Financial Advice Limited (FRN 225502) 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 Lighthouse Financial Advice?
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. Lighthouse Financial Advice Limited (FRN 225502) is an AR of Lighthouse Advisory Services Limited (FRN 195199). When you use Lighthouse Financial Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lighthouse Financial Advice, 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 Lighthouse Financial Advice’s phone number and website?
The FCA register lists the phone number 0800 085 8590 and the website lighthousefinancialsolutions.co.uk for Lighthouse Financial Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Lighthouse Financial Advice a scam or clone?
Lighthouse Financial Advice 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 Lighthouse Financial Advice?
Protection works through Lighthouse Advisory Services Limited, the principal firm responsible for Lighthouse Financial Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lighthouse Financial Advice?
Lighthouse Financial Advice is owned by Quilter Financial Planning Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 12 November 2025. Before that, it was controlled by Lighthouse Group Limited.
Who runs Lighthouse Financial Advice?
Companies House lists 2 directors of Lighthouse Financial Advice: Stephen Charles Gazard and Stuart James Geard.
How long has Lighthouse Financial Advice been in business?
The company was formed on 11 June 2003.
Does Lighthouse Financial Advice use any other names?
It trades as Quilter Financial Advisers. It has previously used 3 other names: LighthouseTemple Ltd, Temple Financial Planning Limited and Keep It Simple Solutions.

Sources and links

The full report on Lighthouse Financial Advice Limited

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