Personal Management Solutions Limited: FCA regulated?

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.

Appointed for 7 years
Protected through the principal
No FCA actions
Active company since 2001
Its phone number is also given by a firm that is no longer authorised

Responsible principal firm

PERSONAL ASSURANCE SERVICES LIMITED Reference number: 303200 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.
PERSONAL MANAGEMENT SOLUTIONS LIMITED (FRN 847649) is an AR of PERSONAL ASSURANCE SERVICES LIMITED (FRN 303200). When you use PERSONAL MANAGEMENT SOLUTIONS's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from PERSONAL MANAGEMENT SOLUTIONS, 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

PERSONAL MANAGEMENT SOLUTIONS LIMITED Reference number: 783957 Authorised

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.

Website

personalgroup.com (opens in a new tab)
Phone number

01908 605000

Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.
Address

John Ormond House, 899 Silbury Boulevard, Milton Keynes, MK9 3XL, United Kingdom

In the full report: 3 background checks

When personalgroup.com first appeared online, and whether it can receive email
What kind of line 01908 605000 is, and the 4 other firms that give it
Who else gives the postcode MK9 3XL

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Personal Assurance 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: 04232995 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 12 June 2001 (25 years old)
Registered office: John Ormond House, 899 Silbury Boulevard, Milton Keynes, Buckinghamshire, MK9 3XL
Nature of business: Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Karen Thornley	Director	Nov 1973	8 Mar 2021	2 other companies
Paula Jane Brown	Director	May 1978	1 Aug 2023	27 other companies
Matthew Adam Cohen	Director	Apr 1990	18 Jun 2026	13 other companies
Joshua Roberts-Jones	Secretary	Not published	23 Jan 2025	–

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: 32
closed down: 15
went insolvent: 1

In the full report: all 32 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
The one that went into liquidation or administration
The 5 on the FCA register, including one no longer authorised
The 8 companies these 3 directors run together
All 24 people who have ever been directors, with their dates

Key dates in its history

Personal Management Solutions’s history from the FCA register and Companies House, newest first.

Key events (3) All events (48)

2019

30 August 2019

Became an appointed representative

FCA register

2016

6 April 2016

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

Companies House

2001

12 June 2001

Incorporated at Companies House

Companies House

In the full report: all 48 events

All 48 events in its history (3 shown here)
Every director appointment and resignation: 45

Firms connected to Personal Management Solutions

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

connected firms: 4
no longer authorised: 1
share its phone number: 4

In the full report: all 4 connected firms, named

How each is linked: the same phone number (4), the same postcode (4)
Who links each one: the named directors, with dates

Get the full report on Personal Management Solutions

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

32 other companies its directors have run, named
3 background checks on its contact details
All 48 events in its history
4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Personal Management Solutions Limited FCA authorised?

Personal Management Solutions Limited (FRN 847649) 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 Personal Management Solutions?

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. Personal Management Solutions Limited (FRN 847649) is an AR of PERSONAL ASSURANCE SERVICES LIMITED (FRN 303200). When you use Personal Management Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Personal Management Solutions, 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 Personal Management Solutions’ phone number and website?

The FCA register lists the phone number 01908 605000 and the website personalgroup.com for Personal Management Solutions. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 4 other FCA firms, one of which is no longer authorised.

Is Personal Management Solutions a scam or clone?

Personal Management Solutions 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 Personal Management Solutions?

Protection works through Personal Assurance Services Limited, the principal firm responsible for Personal Management Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Personal Management Solutions?

Personal Management Solutions is owned by Personal Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs Personal Management Solutions?

Companies House lists 3 directors of Personal Management Solutions: Karen Thornley, Paula Jane Brown and Matthew Adam Cohen.

How long has Personal Management Solutions been in business?

The company was formed on 12 June 2001.