UK Independent. Sourced. Primary. · Est. 2024

Sebastian & St. James Financial Advisers (Uk) Limited | IFA Financial Advisers | Barry | Est. 2014

Sebastian & St. James Financial Advisers (Uk) Limited is a ifa financial advisers registered in Barry, established 2014. View company details, send a free enquiry and verify FCA status. Kaeltripton Financial Index.

Financial IndexIFA Index › Sebastian & St. James Financial Advisers (Uk) Limited

IFA Financial Advisers UNCLAIMED LISTING

Sebastian & St. James Financial Advisers (Uk) Limited

IFA Financial Advisers · Barry, Cardiff · Est. 2014

12 years
Active Trading
Active
CH Status
08964534
Company No
2026
Accounts to

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Company Registration Details

Registered company nameSebastian & St. James Financial Advisers (Uk) Limited
Companies House number08964534 →
Company typePrivate Limited Company (Ltd)
Registered addressThe Business Centre G4 The Business Centre Cardiff House Cardiff Road, CF63 2AW
City / RegionBarry, Cardiff
Date incorporated2014
Years trading12 years
CH statusActive
SpecialismRecorded activity: 66290 (other activities auxiliary to insurance and pension funding)
Index statusClaim this listing →

About Sebastian & St. James Financial Advisers (Uk) Limited

Founded in 2014, Sebastian & St. James Financial Advisers (Uk) Limited has been active for 12 years — a period that spans significant change in the UK financial services landscape, including post-financial crisis regulatory reform, digital transformation and the economic disruption of recent years. The firm's continued active status through this period reflects operational stability.

Cardiff accounts for 28 of the 1663 ifa financial advisers tracked on this index.

Verify the firm and the individual adviser on the Financial Services Register before transferring any money.

What IFA Financial Advisers Do

Independent financial advisers must consider a broad range of retail investment products, while restricted firms advise on a limited set. The RDR reforms ended commission on retail investment advice; remuneration is now a disclosed fee.

Ombudsman and FSCS protection follow authorisation, which is why the register check precedes everything else.

How to Choose the Right IFA Financial Adviser

Ask about the firm's independence status, qualifications beyond Level 4, and experience with cases like yours. Ask what the ongoing service actually includes; an annual charge should map to a defined annual review.

Charges are typically a percentage of assets under advice, a fixed project fee or an hourly rate, agreed upfront.

Frequently Asked Questions

What is the difference between an independent financial adviser and a restricted adviser?
Independence has a regulatory definition: the firm must consider a sufficiently broad range of retail investment products across the market. Restricted firms advise from a narrower set, and the status must be disclosed before advice.
How much does independent financial advice cost?
Costs vary with complexity: an initial piece such as a pension review sits in the hundreds-to-thousands range, and ongoing management typically charges 0.5% to 1% of assets each year, disclosed and agreed upfront.
Do I need an IFA or can I manage my investments myself?
Neither answer is universal: platforms make DIY investing accessible, while advisers add value in the technical layers, tax wrappers, pension rules, estate planning, that compound at scale.
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?
Raise it formally with the firm; regulation requires a response within eight weeks. Unresolved complaints go to the Financial Ombudsman Service, and the FSCS stands behind authorised firms that fail.

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Important notice: The information on this page is drawn from the Companies House public register. Kaeltripton.com operates as an independent directory and has no affiliation with Sebastian & St. James Financial Advisers (Uk) Limited or any firm listed. 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.

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