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
HL Partnership Limited Reference number: 303397 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.
- Retirement Solutions Later Life Ltd (FRN 1045749) is an AR of HL Partnership Limited (FRN 303397). When you use Retirement Solutions Later Life's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Retirement Solutions Later Life, 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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No website on the FCA register
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Phone number
-
Address
Metropolitan House, Station Road, Cheadle Hulme, England, SK8 7AZ, United Kingdom
In the full report: 2 background checks
- What kind of line 00000 000000 is, and the 7 other firms that give it
- Who else gives the postcode SK8 7AZ
Other names (1)
If you were contacted under any of these names, it is this firm.
- LegacyWise Home Finance Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through HL Partnership 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, 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
- 16554591 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 1 July 2025 (1 year old)
- Registered office
- Metropolitan House Station Road, Cheadle Hulme, Cheadle, SK8 7AZ, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Derek Patrick Henderson | Director | Jul 1971 | 1 Jul 2025 | 6 other companies |
| Martin Tivnan | Director | Oct 1963 | 1 Jul 2025 | 1 other company |
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
- 6
- closed down
- 2
- run together
- 1
In the full report: all 6 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 1 company these 2 directors run together
Key dates in its history
Retirement Solutions Later Life’s history from the FCA register and Companies House, newest first.
2026
30 September 2026
- Sarah Cathryn Tivnan became a part-owner (25–50% of shares)
Companies House
2025
18 December 2025
- Became an appointed representative
FCA register
1 July 2025
- Incorporated at Companies House
- Martin Tivnan became a part-owner (25–50% of shares)
Companies House
In the full report: all 7 events
- All 7 events in its history (4 shown here)
- Every director appointment and resignation: 2
Firms connected to Retirement Solutions Later Life
Other FCA-listed firms that share a director, phone number or address with Retirement Solutions Later Life. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 10
- share its phone number
- 7
- share its postcode
- 3
In the full report: all 10 connected firms, named
- How each is linked: the same phone number (7), the same postcode (3)
- Who links each one: the named directors, with dates
Firms like Retirement Solutions Later Life
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Stockport (SK) postcode area
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 Retirement Solutions Later Life
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 2 background checks on its contact details
- All 7 events in its history
- 10 connected firms, named, and who links them
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Frequently asked questions about this firm
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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