Quilter Financial Advisers Ltd

Reference number: 452529

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Quilter Financial Advisers Ltd (FRN 452529) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Quilter Financial Advisers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Quilter Financial Advisers, 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, 2 things worth a closer look

  • When quilterfinancialadvisers.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 849 1279 is
  • Whether EC4V 4AB is a shared office: 32 other firms give it
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Other names (68)

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

  • Charles Derby Financial Services Limited Former name
  • Lima Financial Services Ltd Former name
  • 3FITT Group Former trading name
  • Adam Wealth Management Former trading name
  • Anglia Mortgages Former trading name
  • Bespoke Financial Former trading name
  • Bradshaw Financial Solutions Former trading name
  • Carter Financial Services Former trading name
  • Charles Derby Former trading name
  • Charles Derby Annuties Former trading name
  • Charles Derby Capital Former trading name
  • Charles Derby Country & Business Former trading name
  • Charles Derby Dental & Medical Former trading name
  • Charles Derby Direct Former trading name
  • Charles Derby Ecosse Former trading name
  • Charles Derby Insurance Former trading name
  • Charles Derby Islamic Finance Former trading name
  • Charles Derby Mortgage Bureau Former trading name
  • Charles Derby Sharia Private Clients Former trading name
  • Charles Derby Transitions Former trading name
  • Cheam Mortgages Former trading name
  • Chris Carter Financial Services Former trading name
  • Elevate Financial Services Former trading name
  • Elevate Financial Solutions Former trading name
  • Estate Asset Management Former trading name
  • Finance Advice Wealth` Former trading name
  • Fortress Financial Solutions Former trading name
  • Gatton Gray Financial Services Former trading name
  • Harper Financial Former trading name
  • Harper Williams Former trading name
  • Hatfield Hall Consultants Former trading name
  • Haywood Stanton Former trading name
  • In Home Financial Services Former trading name
  • J.C.H. Finance Former trading name
  • J Downey Financial Management Former trading name
  • John Rice Financial Former trading name
  • Kelly Financial Former trading name
  • Kelly Mortgages Services Former trading name
  • Kenton Financial Former trading name
  • Kerai Roberts Associates Former trading name
  • Kidderminster Mortgage Broker Former trading name
  • Kings of Frinton Financial Consultants Former trading name
  • Lewinski & Smith Financial Services Former trading name
  • LFS The Re-Mortgage Network Former trading name
  • LFS The Re-Mortgage Shop Former trading name
  • Llew Financial Former trading name
  • Llew Financial Services Former trading name
  • London City Financial Former trading name
  • London Mortgage Adviser Former trading name
  • Mendip Financial Services Former trading name
  • Money4Dentists Former trading name
  • Mortgage World Former trading name
  • MVC Commercial Services Former trading name
  • Norfolk and Cambridge Mortgage Line Former trading name
  • Ogden-Starkel Financial Services Former trading name
  • Orchardview Financials Former trading name
  • Orleeman Financial Former trading name
  • Orleeman Financial Services Former trading name
  • Perfect Financial Services Former trading name
  • Southern Mortgages Former trading name
  • Springboard Financial Former trading name
  • Talkabout Mortgages Former trading name
  • Vision Wealth Management Former trading name
  • www.autoenrolment.org Former trading name
  • www.financial-adviser-norfolk.co.uk Former trading name
  • www.myfinanceplanner.co.uk Former trading name
  • www.nationwidedivorce.co.uk Former trading name
  • www.pensionscornwall.co.uk Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial 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 name
QUILTER FINANCIAL ADVISERS LIMITED
Company number
05693185
Company status
Active
Company type
Private limited company
Incorporated
31 January 2006 (20 years old)
Registered office
Senator House, 85 Queen Victoria Street, London, EC4V 4AB, United Kingdom
Nature of business
  • Life insurance (SIC 65110)

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 14 Feb 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 17 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (8) All events (172)

2025

12 November 2025

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

Companies House

2020

30 April 2020

  • Changed its registered name from "Charles Derby Financial Services Limited"

FCA register

2016

1 June 2016

  • Charles Derby Group Limited gave up control
  • Charles Derby Group Limited took control (75–100% of shares)

Companies House

2011

11 March 2011

  • Changed its registered name from "Lima Financial Services Ltd"

FCA register

2006

25 May 2006

  • Became an appointed representative

FCA register

31 January 2006

  • Incorporated at Companies House

Companies House

In the full report: all 172 events

  • All 172 events in its history (8 shown here)
  • Every director appointment and resignation: 32
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Firms connected to Quilter Financial Advisers

Other FCA-listed firms that share a director, phone number or address with Quilter Financial Advisers. 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 Quilter Financial Advisers

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

In London

SIX Financial Information UK LimitedLondonAppointed representativeMagellan Investment Partners (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 Quilter Financial Advisers

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, 2 flagged
  • All 172 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Quilter Financial Advisers Ltd FCA authorised?
Quilter Financial Advisers Ltd (FRN 452529) 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 Quilter Financial Advisers?
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. Quilter Financial Advisers Ltd (FRN 452529) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Quilter Financial Advisers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Quilter Financial Advisers, 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 Quilter Financial Advisers’ phone number and website?
The FCA register lists the phone number 0800 849 1279 and the website quilterfinancialadvisers.co.uk for Quilter Financial Advisers. If you were given different contact details, use these to check with the firm before going any further.
Is Quilter Financial Advisers a scam or clone?
Quilter Financial Advisers 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 Quilter Financial Advisers?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Quilter Financial Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Quilter Financial Advisers?
Quilter Financial Advisers 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 Charles Derby Group Limited.
Who runs Quilter Financial Advisers?
Companies House lists 2 directors of Quilter Financial Advisers: Stephen Charles Gazard and Stuart James Geard.
How long has Quilter Financial Advisers been in business?
The company was formed on 31 January 2006.
Does Quilter Financial Advisers use any other names?
It has previously used 68 other names, including Charles Derby Financial Services Limited, Lima Financial Services Ltd and 3FITT Group.

Sources and links

The full report on Quilter Financial Advisers Ltd

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