Retirement Solutions (UK) Limited

Reference number: 483817

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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 retirementsolutions.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 485 3401 is
  • Who else gives the postcode SK8 7AZ
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Other names (7)

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

  • Annuities4U Ltd Former name
  • annuities4u.com Former trading name
  • annuityhelpline.co.uk Former trading name
  • Benson Bunch Financial Planning Former trading name
  • pension-transfers.co.uk Former trading name
  • www.diabeticlifeassurance.co.uk Former trading name
  • www.hazardouspursuits.co.uk 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 (17 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • 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
  • Providing Credit Information Services

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
06437737
Company status
Active
Company type
Private limited company
Incorporated
27 November 2007 (18 years old)
Registered office
4th Floor Suite B South Wing Metropolitan House, Station Road, Cheadle Hulme, Cheshire, SK8 7AZ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
David John Bell Director Dec 1963 27 Nov 2007 4 other companies
Richard Houghton Director Mar 1964 13 May 2008 2 other companies
Elizabeth Bell Secretary Not published 27 Nov 2007 –

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
6

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
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2020Abridged accountsNot audited

Net assets

£186k

No earlier figure to compare

Cash at bank

£505k

No earlier figure to compare

Employees (average)

35

No earlier figure to compare

Owed within a year

£498k

No earlier figure to compare

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 06437737. 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

Retirement Solutions (UK)’s history from the FCA register and Companies House, newest first.

Key events (15) All events (38)

2026

30 September 2026

  • David John Bell became a part-owner (25–50% of shares)

Companies House

2021

27 January 2021

  • Kevin Michael Stelfox stopped being a part-owner

Companies House

2018

10 August 2018

  • Martin John Tivnan became a part-owner (25–50% of shares)
  • Martin John Tivnan stopped being a part-owner

Companies House

2016

6 April 2016

  • David John Bell became a part-owner (25–50% of shares)
  • David John Bell stopped being a part-owner
  • Kevin Michael Stelfox became a part-owner (25–50% of shares)
  • Richard Houghton became a part-owner (25–50% of shares)
  • Richard Houghton stopped being a part-owner

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2010

7 December 2010

  • Changed its registered name from "Retirement Solutions (UK) Limited"

FCA register

6 December 2010

  • Changed its registered name from "Annuities4U Ltd"

FCA register

2008

4 July 2008

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

FCA register

2007

27 November 2007

  • Incorporated at Companies House

Companies House

In the full report: all 38 events

  • All 38 events in its history (15 shown here)
  • Every director appointment and resignation: 8
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Firms connected to Retirement Solutions (UK)

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Retirement Solutions (UK)

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

In Cheadle

Blackstone Financial Management LimitedCheadleAuthorisedCnfp LLPCheadleAuthorisedKeyline Financial Solutions LimitedCheadleAuthorisedProvidential Finance LimitedCheadleAuthorisedRWC Corporate Benefits LimitedCheadleAuthorisedCamargue Chambers LLPCheadleAppointed 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 Retirement Solutions (UK)

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
  • 3 background checks on its contact details
  • All 38 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Retirement Solutions (UK) Limited FCA authorised?
Yes, Retirement Solutions (UK) Limited (FRN 483817) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2008 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Retirement Solutions (UK)’s phone number and website?
The FCA register lists the phone number 0161 485 3401 and the website retirementsolutions.co.uk for Retirement Solutions (UK). If you were given different contact details, use these to check with the firm before going any further.
Is Retirement Solutions (UK) a scam or clone?
Retirement Solutions (UK) 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 Retirement Solutions (UK)?
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 Retirement Solutions (UK) to the Financial Ombudsman Service, free of charge.
Who owns Retirement Solutions (UK)?
Companies House lists one person with significant control of Retirement Solutions (UK): Mr David John Bell (25–50% of shares). Before that, it was controlled by Mr Richard Houghton, Mr Kevin Michael Stelfox and Mr Martin John Tivnan.
Who runs Retirement Solutions (UK)?
Companies House lists 2 directors of Retirement Solutions (UK): David John Bell and Richard Houghton.
How long has Retirement Solutions (UK) been in business?
The company was formed on 27 November 2007, and has held its current FCA authorisation since July 2008.
What do Retirement Solutions (UK)’s latest accounts show?
Its latest accounts, to 31 March 2020, show net assets of £186k (no earlier figure to compare) and cash at bank of £505k (no earlier figure to compare).
Does Retirement Solutions (UK) use any other names?
It has previously used 7 other names, including Annuities4U Ltd, annuities4u.com and annuityhelpline.co.uk.

Sources and links

The full report on Retirement Solutions (UK) Limited

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