Perspective (South East) Limited

Reference number: 178690

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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 pfgl.co.uk first appeared online, and whether it can receive email
  • What kind of line 01908 257888 is
  • Who else gives the postcode MK5 6LB
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Other names (24)

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

  • Perspective (Devonshire) Trading name
  • Perspective (Goldwyns Wealth Management) Trading name
  • Perspective (Grosvenor Wealth) Trading name
  • Perspective (IP) Trading name
  • Perspective (Lloyd O'Sullivan) Trading name
  • Perspective (Ramsey) Trading name
  • Perspective (Staffordshire) Trading name
  • TaxAssist Plus Financial Planning (South East) Trading name
  • Perspective Financial Management Limited Former name
  • Perspective (South) Limited Former name
  • Dorothy Wheeler - Pensions Advisory & Support Services Former trading name
  • Elevation Investment Solutions Former trading name
  • Harrison James Financial Planners Former trading name
  • Harrogate Independent Financial Services Former trading name
  • Jackson King & Co Former trading name
  • Knight Knox Mortgage Solutions Former trading name
  • McGregors Wealth Management (Birmingham) Former trading name
  • Perspective Corporate Solutions (Milton Keynes) Former trading name
  • Perspective (Holden & Partners) Former trading name
  • Perspective Mortgages Former trading name
  • Perspective (SFP) Former trading name
  • Perspective (Warwickshire) Former trading name
  • Perspective Wealth Management Former trading name
  • Staffords 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.
  • Advise on or arrange mortgages · Arrange equity release 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 a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Cease all new business with unregulated CIS
    PFM will cease with immediate effect all new business in or in conjunction with unregulated collective investment schemes (the Schemes) howsoever named, including but not limited to advising any customers or potential customers that they invest in the Schemes or placing or procuring the placement of customer's investments in the Schemes. For the avoidance of doubt this requirement prevents PFM from accepting any further investment instructions from customers in relation to any existing business in the Schemes. However, this restriction does not prevent the taking of all necessary steps to advise customers of the merits of removing existing investments from the Schemes and removing or procuring the removal of those investments from the Schemes. PFM is also entitled to review the performance of existing Schemes with customers as part of its ongoing servicing commitments.

FCA disciplinary action

FCA action

fine
1
in fines
£49.0k
most recent
February 2011
  • Fined £49,000 on 16 February 2011
    On 24 January 2011, the FSA imposed a financial penalty of £49,000 on Perspective Financial Management Ltd (PFM) for breaches of Principles 3, 7 and 9. An investigation by the FSA found shortcomings in the way the firm monitored its pension switching advice which resulted in unsuitable advice. Specifically, PFM made recommendations to switch pensions when the new product was almost identical to the existing scheme and customers therefore incurred unnecessary costs. The advice also exposed customers to a higher level of risk that they had stated they were prepared to take. The FSA also found that PFM failed to put in place any system or procedure to ensure it only recommended Unregulated Collective Investment Schemes (UCIS) to customers who met specific, statutory, exemptions. For example the PFM had to satisfy itself that the customer is a high net worth individual or sophisticated investor before promoting a UCIS to that customer. PFM's failing were mitigated to a considerable extent by the pro-active cooperation demonstrated by the Firm once the failings were brought to its attention and the remedial steps that it took

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
03120930
Company status
Active
Company type
Private limited company
Incorporated
1 November 1995 (30 years old)
Registered office
Lancaster House Ackhurst Business Park, Foxhole Road, Chorley, PR7 1NY, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Julie Suzanne Hepworth Director Mar 1974 20 Dec 2013 66 other companies
Ian Mitcheal Wilkinson Director Nov 1970 20 Dec 2013 46 other companies
David John Philip Hesketh Director May 1981 26 Mar 2026 87 other companies
David John Philip Hesketh Secretary Not published 20 Dec 2013 –

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
129
closed down
1
are FCA-registered
6

In the full report: all 129 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 6 on the FCA register
  • The 57 companies these 3 directors run together
  • All 15 people who have ever been directors, with their dates
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Key dates in its history

Perspective (South East)’s history from the FCA register and Companies House, newest first.

Key events (10) All events (81)

2026

25 February 2026

  • Changed its registered name from "Perspective (South) Limited"

FCA register

2018

1 June 2018

  • Changed its registered name from "Perspective Financial Management Limited"

FCA register

2016

6 April 2016

  • Pfm Group Ltd took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2011

28 June 2011

  • FCA imposed a requirement (Cease all new business with unregulated CIS)

FCA register

16 February 2011

  • Fined £49,000 by the FCA

FCA register

2001

1 December 2001

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

FCA register

1998

6 November 1998

  • Regulated by the Personal Investment Authority from this date

FCA register

1995

1 November 1995

  • Incorporated at Companies House

Companies House

In the full report: all 81 events

  • All 81 events in its history (10 shown here)
  • Every director appointment and resignation: 29
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Firms connected to Perspective (South East)

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

connected firms
9
share a director
6
share its postcode
3

In the full report: all 9 connected firms, named

  • How each is linked: shared directors (6), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Perspective (South East)

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

In Milton Keynes

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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 Perspective (South East)

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

  • 129 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 81 events in its history
  • 9 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Perspective (South East) Limited FCA authorised?
Yes, Perspective (South East) Limited (FRN 178690) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a financial adviser. The FCA has placed a limit on what it may do.
What is Perspective (South East)’s phone number and website?
The FCA register lists the phone number 01908 257888 and the website pfgl.co.uk/southeast for Perspective (South East). If you were given different contact details, use these to check with the firm before going any further.
Is Perspective (South East) a scam or clone?
Perspective (South East) 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 Perspective (South East)?
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 Perspective (South East) to the Financial Ombudsman Service, free of charge.
Who owns Perspective (South East)?
Perspective (South East) is owned by Pfm Group Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Perspective (South East)?
Companies House lists 3 directors of Perspective (South East): Julie Suzanne Hepworth, Ian Mitcheal Wilkinson and David John Philip Hesketh.
How long has Perspective (South East) been in business?
The company was formed on 1 November 1995, and has held its current FCA authorisation since December 2001.
Has the FCA taken action against Perspective (South East)?
Yes. The FCA register records 1 fine in 2011, £49,000 in total. The details are in the disciplinary section above, with links to the FCA's notices.
Does Perspective (South East) use any other names?
It trades as Perspective (Devonshire), Perspective (Goldwyns Wealth Management), Perspective (Grosvenor Wealth), Perspective (IP) and Perspective (Lloyd O'Sullivan), and 3 more names. It has previously used 16 other names, including Perspective Financial Management Limited, Perspective (South) Limited and Dorothy Wheeler - Pensions Advisory & Support Services.

Sources and links

The full report on Perspective (South East) Limited

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