Reflect Financial Limited
Reference number: 932095
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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
St. James's Place Wealth Management Plc Reference number: 195351 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.
- Reflect Financial Limited (FRN 932095) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Reflect Financial's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Reflect Financial, 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.
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Phone number
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Address
Suite 212, Orega Liverpool, 20 Chapel Street, Liverpool, L3 9AG, United Kingdom
In the full report: 3 background checks
- When reflectfp.co.uk first appeared online, and whether it can receive email
- What kind of line 0151 632 7100 is
- Who else gives the postcode L3 9AG
Other names (1)
If you were contacted under any of these names, it is this firm.
- PFM Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through St. James's Place Wealth Management PLC, 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, freeYou 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
- 04373946 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 February 2002 (24 years old)
- Registered office
- St. James's Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP, England
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Jonathan Peter Claridge | Director | Dec 1982 | 24 Jul 2020 | 13 other companies |
| Stephen O'Donnell | Director | Jul 1969 | 13 Apr 2026 | None |
| ST. JAMES'S PLACE CORPORATE SECRETARY LIMITED | Corporate secretary | Not published | 29 Apr 2016 | – |
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
- 13
- closed down
- 2
- are FCA-registered
- 9
In the full report: all 13 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 9 on the FCA register
- All 10 people who have ever been directors, with their dates
Key dates in its history
Reflect Financial’s history from the FCA register and Companies House, newest first.
2020
17 August 2020
- Became an appointed representative
FCA register
2016
29 April 2016
- Board replaced: both directors left and 2 new directors took over
- St. James's Place Acquisition Services Limited took control (75–100% of shares)
Companies House
2002
14 February 2002
- Incorporated at Companies House
Companies House
In the full report: all 23 events
- All 23 events in its history (4 shown here)
- Every director appointment and resignation: 18
Firms connected to Reflect Financial
Other FCA-listed firms that share a director, phone number or address with Reflect Financial. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 9
- share a director
- 9
In the full report: all 9 connected firms, named
- How each is linked: shared directors (9)
- Who links each one: the named directors, with dates
Firms like Reflect Financial
Other firms of the same type (financial adviser), nearest first.
In Liverpool
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 Reflect Financial
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 13 other companies its directors have run, named
- 3 background checks on its contact details
- All 23 events in its history
- 9 connected firms, named, and who links them
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Frequently asked questions about this firm
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What does appointed representative mean for Reflect Financial?
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Who owns Reflect Financial?
Who runs Reflect Financial?
How long has Reflect Financial been in business?
Does Reflect Financial use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk