PI Financial Ltd

Reference number: 186419

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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 pifinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01743 282222 is, and the other firm that gives it
  • Who else gives the postcode SY3 7LU
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Other names (161)

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

  • A K Wealth Trading name
  • Beaumont Wealth Management Trading name
  • Brian Harkins Financial Services Trading name
  • Burlington Financial Solutions Trading name
  • Clarkson Hall Trading name
  • Clear Advice Trading name
  • Colin Allison Financial Services Trading name
  • Countrywide Estate Planning IFA Trading name
  • Designalife Trading name
  • Dunn and Lowbridge Financial Services Trading name
  • Enriched Financial Services Trading name
  • Estate Planning Solutions ifa Trading name
  • Greenfields Independent Financial Services Trading name
  • Hunter Wealth Management Trading name
  • Jim Walker Protection and Mortgage Services Trading name
  • Ken Morgan - Mortgage and Protection Services Trading name
  • LG Embrey Financial Planning Trading name
  • Lucy Jones Financial Services Trading name
  • Morley James Asset Management Trading name
  • Paladin Trading name
  • Perry View Mortgages and Financial Services Trading name
  • PI Financial Dixon Sutcliffe & Co Trading name
  • pi financial Private Client Division Trading name
  • Priceguard Financial Solutions Trading name
  • Radclyffe Mortgage Centre Trading name
  • RL Financial Planning Trading name
  • Shan Mortgages Trading name
  • Vale Financial Services Trading name
  • Winspear Financial Management Trading name
  • Dixon Sutcliffe & Co Ltd Former name
  • 2 Plus Financial Planning Former trading name
  • Absolute Finance Former trading name
  • Adswood Finance Former trading name
  • Albemarle and Co Former trading name
  • Albemarle Financial Consulting Former trading name
  • Albermarle Financial Consulting Former trading name
  • Alterno Financial Former trading name
  • Astbury & Co Former trading name
  • Aura Financial Services Former trading name
  • Beaber Asset Management Former trading name
  • Belvidere Financial Former trading name
  • Blue Flag Mortgages & Finance Former trading name
  • Braehead Independent Financial Adviser Former trading name
  • Braehead Mortgages Former trading name
  • BWG Finance (Telford) Former trading name
  • Cambrian Wealth Management Former trading name
  • Castle Mortgage Brokers Former trading name
  • CHC Mortgages & Investments Former trading name
  • Cherry Picked Mortgages Former trading name
  • Clear Financial Planning Former trading name
  • Clear Options Financial Services Former trading name
  • Connell & McFadden Financial Former trading name
  • Core Financial Services Former trading name
  • CTT Private Client Wealth Former trading name
  • Cunningham Financial Services Former trading name
  • DAG Financial Solutions Former trading name
  • David J Gibbs Former trading name
  • David Thelwell Independent Financial Consultants Former trading name
  • Deans Wealth Management Former trading name
  • Delan Financial Former trading name
  • Diversify Financial Services Former trading name
  • East Coast Financial Services Former trading name
  • Enhance Financial Planning Former trading name
  • Enriched Chartered Financial Planners Former trading name
  • Erskine Financial Services Former trading name
  • Executive Protection Solutions Former trading name
  • Fallon-Countrywide IFA Former trading name
  • Financial Services 2000 Former trading name
  • Flintson Financial Services Former trading name
  • Frank Financial Services Former trading name
  • Frank on Finance Former trading name
  • Future Wealth Management Former trading name
  • Garrow Financial Services Former trading name
  • Gary McCleary Financial Services Former trading name
  • GFP Wealth Management Former trading name
  • GIFP Independent Financial Advisers Former trading name
  • G K Financial Former trading name
  • G&M Financial Solutions Former trading name
  • Greene Financial Planning Former trading name
  • Grey 2 Blue Former trading name
  • G & R Financial Planning Former trading name
  • Hestia Mortgage Solutions Former trading name
  • Hestia Solutions Former trading name
  • Hugh Docherty Former trading name
  • Iconium Mortgages Former trading name
  • IMIC Mortgages Former trading name
  • i-Pensions Former trading name
  • i-Pensions Advisory Former trading name
  • Jamieson Bourne Financial Services Former trading name
  • Jardine Financial Consultancy Former trading name
  • Jeffcott's Independent Financial Advice Former trading name
  • JMC Financial Advisers Former trading name
  • Lavender Insurance Former trading name
  • Lets Move Financial Services Former trading name
  • Libertas Financial Management Former trading name
  • Love Mortgages Former trading name
  • L W Addie Financial Services Former trading name
  • Machin Evans Financial Services Former trading name
  • M K Financial Planning Former trading name
  • Money Foundations Former trading name
  • Moneymeans Financial Services Former trading name
  • Morris Cook Financial Services Former trading name
  • Morris Financial Management Former trading name
  • MSBM Wealth Former trading name
  • M & S Financial Solutions Former trading name
  • Owen Aston Former trading name
  • Oxygen Finance Former trading name
  • Oxygen Financial Former trading name
  • Pennines Independent Financial Advisers Former trading name
  • Penrose Financial Services Former trading name
  • Perry View Financial Services Former trading name
  • PI Financial Cambrian Former trading name
  • pi financial premier corporate division Former trading name
  • pi financial professional connections division Former trading name
  • pi financial wealthcraft Former trading name
  • PJC Financial Services Former trading name
  • Precise Financial Advice Former trading name
  • Premier Promotions Former trading name
  • Priceless Financial Former trading name
  • Prime Wealth Solutions Former trading name
  • Purple Cow Mortgages Former trading name
  • R & A L Financial Former trading name
  • Retirement Choices Former trading name
  • Retirement Professionals Former trading name
  • Richard Smith Financial Services Former trading name
  • Riverside Financial Planning Former trading name
  • RMJ Mortgages Former trading name
  • RMJ Mortgage Services Former trading name
  • R M Strudwick & Co Former trading name
  • Save & Support Financial Services Former trading name
  • SBC Financia Former trading name
  • SBC Financial Former trading name
  • SBC Mortgages Former trading name
  • Sensibe IFAs Former trading name
  • September Services Former trading name
  • Simon Hodge Financial Planning Former trading name
  • Skye Financial Former trading name
  • SoundWealth Former trading name
  • Specialists4Protection Former trading name
  • Spires Independent Former trading name
  • Star Financial Solutions Former trading name
  • Star Mortgage Solutions Former trading name
  • St Pauls Priceguard Former trading name
  • St Pauls Wealth Management Former trading name
  • Suitable Life Former trading name
  • T A Gittens Financial Services Former trading name
  • The Edinburgh Mortgage and Investment Group Former trading name
  • The Mortgage Advice Company Former trading name
  • The Purple Advice Company Former trading name
  • The Wealth Mastery Clinic Former trading name
  • Tim Williams Financial Services Former trading name
  • Toft Financial Former trading name
  • Tudor House Investment Services Former trading name
  • Turner Financial Solutions Former trading name
  • Waterloo Mortgages Former trading name
  • Welfare Financial Solutions Former trading name
  • Your Finance Matters Former trading name
  • Your Wealth Management Former trading name
  • Zen Financial Services Former trading name
  • Zenith Mortgages Former trading name
  • Zenith Mortgages (Edinburgh) 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.
  • Claims management No FSCS cover
    Money you pay a claims company is not FSCS protected, but FCA rules cap what it may charge you for a financial services claim. Complaints about this firm go to the Financial Ombudsman Service free of charge.
  • 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 (17 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advice, investigation or representation in relation to a financial services or financial product claim
  • Advice, investigation or representation in relation to a personal injury claim
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • 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

  • Limitation of claims management activities
    Requirement 1 In order to avoid any possible conflict of interests, Pi shall not provide Relevant Services to a customer where the Claim arises from, or is otherwise connected with, advice that Pi provided to, or arrangements that Pi made for, that customer to buy the financial service or product which is the subject of the Claim. Requirement 2 Where a Claim arises from, or is otherwise connected with, advice that a Relevant Employee provided to, or arrangements that a Relevant Employee made for, a customer: (a) in relation to the financial service or product which is the subject of the Claim; (b) while that Relevant Employee was not employed by, or otherwise acting on behalf of, Pi, neither Pi nor the Relevant Employee shall receive a fee for providing Relevant Services to that customer in relation to that Claim, other than a fee, which may be received by Pi but not the Relevant Employee, to cover the costs to Pi of providing the Relevant Services. Where a Claim arises from, or is otherwise connected with, advice that a Relevant Employee provided to, or arrangements that a Relevant Employee made for, a customer: (a) in relation to the financial service or product which is the subject of the Claim; (b) while that Relevant Employee was not employed by, or otherwise acting on behalf of, Pi, neither PI nor the Relevant Employee shall charge a fee for providing advice to, or making arrangements for, that customer to invest any money received by that customer under that Claim. Provision of Information For the avoidance of doubt, a Relevant Employee is not hereby prohibited from sharing with Pi any information that the Relevant Employee considers necessary to allow Pi to provide Relevant Services to a customer, including information that the Relevant Employee may have gained at a time when the Relevant Employee was not employed by, or otherwise acting on behalf of, Pi. Definitions In this application: “Claim” has the meaning given to it in section 419A(3) of FSMA; “Effective Date” means the date described in paragraph 6 below; “FCA” means the body corporate previously known as the Financial Services Authority and renamed on 1 April 2013 as the Financial Conduct Authority; “FSMA” means the Financial Services and Markets Act 2000; “Pi” means Pi Financial Ltd, the authorised firm with firm reference number 186419; ”RAO” means the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (S.I. 2001/544) as amended by SI 2018/1253; “Relevant Employee” means an employee or third-party contractor of Pi; “Relevant Services” means services the provision of which amount to the carrying on of the regulated activity specified in article 89I of the RAO.

FCA disciplinary action

FCA action

fine
1
most recent
October 2012
  • Fined on 4 October 2012
    The FSA imposed a penalty on the Firm for breaches of Principle 3 and Principle 9. The breaches related to failings by the Firm relating to its systems and controls and the suitability of its advice to clients. Pi failed to take reasonable care to organise and control its affairs responsibly and effectively with adequate risk management systems. In particular, Pi failed to: implement adequate internal sales monitoring procedures across the Firm that ensured that advice was given in accordance with regulatory requirements provide adequate training and supervision to its advisers: and establish and maintain adequate compliance and file checking arrangements, appropriate to the size and types of business conducted by Pi, particularly given the high risk products that Pi sold. Pi also failed to take reasonable care to ensure the suitability of its advice to clients. The FSA has reviewed a sample of 28 files transacted between 1 January 2009 and 3 February 2012 involving high risk products and found that 14 of the files were unsuitable. Pi entered in to a voluntary variation of permission on 23 July 2012, whereby it agreed to cease the promotion or arrangement of investment in unregulated collective investment schemes (UCIS), save where the client is already invested in a UCIS. As part of the Settlement Agreement dated 30 August 2012 Pi agreed to comply with a series of undertakings relating to training of its advisers and file-checkers, improvements to its file-checking processes and a customer contact exercise. The Final Notice, which sets out the reasons for the action, can be found at the following link.

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
03556277
Company status
Active
Company type
Private limited company
Incorporated
27 April 1998 (28 years old)
Registered office
Morfe House Belle Vue Road, Shrewsbury, SY3 7LU
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Timothy Edward Sutcliffe Director Jan 1955 12 May 1998 3 other companies
Keith David Hansell Director Feb 1970 3 Oct 2011 None
Toni Roxanna Sheen Director Jan 1984 1 Jan 2023 2 other companies
Ben Howard Wright Director Feb 1982 6 Oct 2023 15 other companies
Toni Roxanna Sheen Secretary Not published 6 Oct 2006 –

Other companies run by these 4 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
20
closed down
6
went insolvent
3

In the full report: all 20 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The 3 that went into liquidation or administration
  • The 4 on the FCA register
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£1.10m

−31% from £1.58m

Cash at bank

£1.21m

−3.6% from £1.26m

Employees (average)

17

+21% from 14

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 03556277. 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

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

Key events (11) All events (322)

2020

1 December 2020

  • FCA imposed a requirement (Limitation of claims management activities)

FCA register

2019

31 March 2019

  • No longer regulated by the Claims Management Regulator

FCA register

2016

6 April 2016

  • Timothy Edward Sutcliffe took control (75–100% of shares)

Companies House

2014

2 June 2014

  • Regulated by the Claims Management Regulator from this date

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

4 October 2012

  • Fined by the FCA

FCA register

2004

4 August 2004

  • Changed its registered name from "Dixon Sutcliffe & Co Ltd"

FCA register

2001

1 December 2001

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

FCA register

14 September 2001

  • Regulated by the Personal Investment Authority from this date

FCA register

1998

27 April 1998

  • Incorporated at Companies House

Companies House

In the full report: all 322 events

  • All 322 events in its history (11 shown here)
  • Every director appointment and resignation: 12
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Firms connected to PI Financial

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

connected firms
3
share a director
1
share its phone number
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (1), the same phone number (1), the same postcode (3)
  • Who links each one: the named directors, with dates
  • 3 past links through former directors
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Firms like PI Financial

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

In Shrewsbury

Andrew Haxton & Co LimitedShrewsburyAuthorisedBeach U.K. LimitedShrewsburyAuthorisedGee 7 Wealth Management LimitedShrewsburyAuthorisedHenry Davies Wealth Management LtdShrewsburyAuthorisedMatrix Capital LimitedShrewsburyAuthorisedMeaning Financial LimitedShrewsburyAuthorised

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 PI Financial

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

  • 20 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 322 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is PI Financial Ltd FCA authorised?
Yes, PI Financial Ltd (FRN 186419) 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 PI Financial’s phone number and website?
The FCA register lists the phone number 01743 282222 and the website pifinancial.co.uk for PI Financial. 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 one other FCA firm.
Is PI Financial a scam or clone?
PI Financial 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 PI Financial?
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 PI Financial to the Financial Ombudsman Service, free of charge.
Who owns PI Financial?
Companies House lists one person with significant control of PI Financial: Mr Timothy Edward Sutcliffe (75–100% of shares).
Who runs PI Financial?
Companies House lists 4 directors of PI Financial: Timothy Edward Sutcliffe, Keith David Hansell, Toni Roxanna Sheen and Ben Howard Wright.
How long has PI Financial been in business?
The company was formed on 27 April 1998, and has held its current FCA authorisation since December 2001.
What do PI Financial’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £1.10m (−31% from £1.58m) and cash at bank of £1.21m (−3.6% from £1.26m).
Has the FCA taken action against PI Financial?
Yes. The FCA register records 1 fine in 2012. The details are in the disciplinary section above, with links to the FCA's notices.
Does PI Financial use any other names?
It trades as A K Wealth, Beaumont Wealth Management, Brian Harkins Financial Services, Burlington Financial Solutions and Clarkson Hall, and 24 more names. It has previously used 132 other names, including Dixon Sutcliffe & Co Ltd, 2 Plus Financial Planning and Absolute Finance.

Sources and links

The full report on PI Financial Ltd

£19.99 · Instant PDF download

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