The Later Life Planning Group Limited

Reference number: 1045224

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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

Lendle Finance Group Ltd Reference number: 737340 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.
  • The Later Life Planning Group Limited (FRN 1045224) is an AR of Lendle Finance Group Ltd (FRN 737340). When you use The Later Life Planning Group's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from The Later Life Planning Group, 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

  • When laterliferetirementplanning.co.uk first appeared online, and whether it can receive email
  • What kind of line 0113 403 4993 is
  • Who else gives the postcode LS27 0RY
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Other names (4)

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

  • Later Life Protection Planning Trading name
  • Later Life Retirement Planning Trading name
  • Sure Lifetime Trading name
  • Later Life Mortgage Planning Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Lendle Finance Group Ltd, 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 number
14775678
Company status
Active
Company type
Private limited company
Incorporated
3 April 2023 (3 years old)
Registered office
First Floor 3 Cliffe Park Way, Bruntcliffe Road, Morley, LS27 0RY, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
Sam Christopher Wickham Director Dec 1989 3 Apr 2023 None
Elliott Fletcher Director May 1996 20 Sep 2024 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£96.2k

Up £95.0k from £1,268

Cash at bank

£218k

Up £218k from £112

Employees (average)

5

+400% from 1

Assets and liabilities

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 14775678. 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

The Later Life Planning Group’s history from the FCA register and Companies House, newest first.

Key events (3) All events (10)

2026

23 January 2026

  • Became an appointed representative

FCA register

2023

3 April 2023

  • Incorporated at Companies House
  • Sam Christopher Wickham took control (75–100% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (3 shown here)
  • Every director appointment and resignation: 2
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Firms connected to The Later Life Planning Group

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like The Later Life Planning Group

Other firms of the same type (mortgage adviser or broker), nearest first.

In Leeds

Advantage Mortgage Services (Yorkshire) LimitedLeedsAppointed representativeAlison TroughtLeedsAppointed representativeApex Mortgage & Protection UK LtdLeedsAppointed representativeApplied Financial Lines International (UK Branch)LeedsAppointed representativeBlackwell Financial Solutions LtdLeedsAppointed representativeBluebell Mortgage and Protection Solutions LtdLeedsAppointed 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 The Later Life Planning Group

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 10 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Later Life Planning Group Limited FCA authorised?
The Later Life Planning Group Limited (FRN 1045224) 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 The Later Life Planning Group?
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. The Later Life Planning Group Limited (FRN 1045224) is an AR of Lendle Finance Group Ltd (FRN 737340). When you use The Later Life Planning Group's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from The Later Life Planning Group, 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 The Later Life Planning Group’s phone number and website?
The FCA register lists the phone number 0113 403 4993 and the website laterliferetirementplanning.co.uk for The Later Life Planning Group. If you were given different contact details, use these to check with the firm before going any further.
Is The Later Life Planning Group a scam or clone?
The Later Life Planning Group 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 The Later Life Planning Group?
Protection works through Lendle Finance Group Ltd, the principal firm responsible for The Later Life Planning Group's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns The Later Life Planning Group?
Companies House lists one person with significant control of The Later Life Planning Group: Mr Sam Christopher Wickham (75–100% of shares).
Who runs The Later Life Planning Group?
Companies House lists 2 directors of The Later Life Planning Group: Sam Christopher Wickham and Elliott Fletcher.
How long has The Later Life Planning Group been in business?
The company was formed on 3 April 2023.
What do The Later Life Planning Group’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £96.2k (up £95.0k from £1,268) and cash at bank of £218k (up £218k from £112).
Does The Later Life Planning Group use any other names?
It trades as Later Life Protection Planning, Later Life Retirement Planning and Sure Lifetime. It has previously used the name Later Life Mortgage Planning.

Sources and links

The full report on The Later Life Planning Group Limited

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