Pen-Life Associates Limited

Reference number: 212972

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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 pen-life.co.uk first appeared online, and whether it can receive email
  • What kind of line 01904 661140 is
  • Who else gives the postcode YO26 6RS
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Other names (2)

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

  • AdviseHer Trading name
  • PenLife Pensions 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.
  • 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 (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Credit Broking
  • Debt-counselling
  • 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
02390548
Company status
Active
Company type
Private limited company
Incorporated
31 May 1989 (37 years old)
Registered office
3 Tudor Court, Opus Avenue, Nether Poppleton, York, YO26 6RS
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Thomas Lionel Hughes Director Jun 1981 5 Aug 2021 1 other company
Deborah Louise Jacobs Director Feb 1977 5 Aug 2021 2 other companies
Nina Cathryn Wright Director Jan 1969 5 Aug 2021 1 other company

Other companies run by these 3 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
2
still active
2
run together
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 3 directors run together
  • All 10 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£1.24m

−5.9% from £1.32m

Cash at bank

£1.32m

+2.9% from £1.29m

Employees (average)

26

−3.7% from 27

Owed within a year

£377k

+34% from £283k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 02390548. 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

Pen-Life Associates’s history from the FCA register and Companies House, newest first.

Key events (13) All events (35)

2021

27 July 2021

  • Andrew James Richardson gave up control
  • Julie Beryl Wilson gave up control
  • Pen-Life Group Limited took control (75–100% of shares)
  • Philip James David Mutter gave up control

Companies House

2019

1 February 2019

  • Equinox Financial Planning Ltd gave up control

Companies House

2016

6 April 2016

  • Andrew James Richardson took control (75–100% of shares)
  • Equinox Financial Planning Ltd took control (75–100% of shares)
  • Julie Beryl Wilson took control (75–100% of shares)
  • Philip James David Mutter took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2003

7 April 2003

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

FCA register

1989

31 May 1989

  • Incorporated at Companies House

Companies House

In the full report: all 35 events

  • All 35 events in its history (13 shown here)
  • Every director appointment and resignation: 15
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Firms like Pen-Life Associates

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

In York

Walker Crips Financial Planning LimitedYorkAuthorisedArdent IFA LimitedYorkAuthorisedAutus Lifetime Planning LimitedYorkAuthorisedBastow & Co LimitedYorkAuthorisedCharles Wilkinson Financial Planning LimitedYorkAuthorisedChris Binns Wealth Management LimitedYorkAuthorised

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 Pen-Life Associates

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 35 events in its history

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Frequently asked questions about this firm

Is Pen-Life Associates Limited FCA authorised?
Yes, Pen-Life Associates Limited (FRN 212972) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2003 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Pen-Life Associates’ phone number and website?
The FCA register lists the phone number 01904 661140 and the website pen-life.co.uk for Pen-Life Associates. If you were given different contact details, use these to check with the firm before going any further.
Is Pen-Life Associates a scam or clone?
Pen-Life Associates 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 Pen-Life Associates?
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 Pen-Life Associates to the Financial Ombudsman Service, free of charge.
Who owns Pen-Life Associates?
Pen-Life Associates is owned by Pen-Life Group Limited, which holds 75–100% of shares and 75–100% of votes, since 27 July 2021. Before that, it was controlled by Mr Philip James David Mutter, Mrs Julie Beryl Wilson and Mr Andrew James Richardson.
Who runs Pen-Life Associates?
Companies House lists 3 directors of Pen-Life Associates: Thomas Lionel Hughes, Deborah Louise Jacobs and Nina Cathryn Wright.
How long has Pen-Life Associates been in business?
The company was formed on 31 May 1989, and has held its current FCA authorisation since April 2003.
What do Pen-Life Associates’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £1.24m (−5.9% from £1.32m) and cash at bank of £1.32m (+2.9% from £1.29m).
Does Pen-Life Associates use any other names?
It trades as AdviseHer and PenLife Pensions.

Sources and links

The full report on Pen-Life Associates Limited

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