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IFA Financial Advisers UNCLAIMED LISTING

L & M Estate Planning Limited

IFA Financial Advisers · Wigan · Est. 2020

6 years

Active Trading

Active

CH Status

12876231

Company No

2025

Accounts to

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Company Registration Details

Registered company name	L & M Estate Planning Limited
Companies House number	12876231 →
Company type	Private Limited Company (Ltd)
Registered address	773 Ormskirk Rd, WN5 8AT
City / Region	Wigan
Date incorporated	2020
Years trading	6 years
CH status	Active
Specialism	Recorded activity: 64301, 64999 (financial intermediation not elsewhere classified)
Index status	Claim this listing →

About L & M Estate Planning Limited

Incorporated in 2020, L & M Estate Planning Limited is an established firm with 6 years of trading history. The company has built its practice during a period of significant evolution in the UK financial services market and continues to operate as an active registered company.

Wigan accounts for 4 of the 1663 ifa financial advisers tracked on this index.

What IFA Financial Advisers Do

IFAs advise across pensions, investments and retirement planning, with independence status disclosed in the firm's documents. Qualification and fee-disclosure requirements apply to all firms advising on retail investments.

Statutory protections attach to authorised firms: the Financial Ombudsman Service for complaints, the FSCS on firm failure.

How to Choose the Right IFA Financial Adviser

The first meeting should establish scope, charges and whether the firm's specialisms fit your situation. Ask what the ongoing service actually includes; an annual charge should map to a defined annual review.

Ask for the total cost of ownership: adviser charge, platform fee and fund charges combined.

Frequently Asked Questions

What is the difference between an independent financial adviser and a restricted adviser?

An independent firm surveys the wider market; a restricted firm works from a limited product or provider set. Both are regulated, but the breadth of what they can recommend differs, and disclosure of status is mandatory.

How much does independent financial advice cost?

Expect a disclosed initial fee scaled to the work plus, where you take ongoing service, an annual percentage of assets commonly between 0.5% and 1%; nothing is chargeable until agreed in writing.

Do I need an IFA or can I manage my investments myself?

You can absolutely self-manage; the advice case strengthens as affairs grow complex, where portfolio construction, tax and inheritance interact and errors get expensive.

What qualifications should an IFA have?

Level 4 Diploma in Regulated Financial Planning is the FCA minimum; Chartered Financial Planner and Certified Financial Planner designations indicate study beyond it. Individual advisers can be verified on the FCA register.

What happens if I receive bad financial advice from an IFA?

The route is firm complaint, then Financial Ombudsman Service: authorised firms must operate a complaints procedure and respond within eight weeks, with the Ombudsman able to award redress on eligible cases.

Other IFA Financial Advisers in Wigan

Standish Independent Financial Advisers LimitedWigan · Est. 2025	View →
Bliss Estate Planning LimitedWigan · Est. 2025	View →
Premier Accountancy And Tax Advisers LtdWigan · Est. 2023	View →

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Important notice: Data on this page comes from the public Companies House register. Kaeltripton.com is an independent directory service, unaffiliated with L & M Estate Planning Limited or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

L & M Estate Planning Limited | IFA Financial Advisers | Wigan | Est. 2020