Our bfgltd.co.uk review found a financial advice website identifying itself as Bespoke Financial Guidance Ltd in Exeter. Independent records corroborate the named company’s existence, office and appointed representative status. Those findings support an identifiable business profile, but do not establish that a particular investment is suitable or guarantee its performance.
Research Date: November 3, 2026. Editorial Risk Assessment: Not Scored. This is a documentary review, not a customer-experience test.
Company Identity and Verified Records
Companies House lists BESPOKE FINANCIAL GUIDANCE LTD, number 06888172, as active. It records incorporation on April 27, 2009 and the registered office at 7 Oaktree Place, Manaton Close, Matford Business Park, Exeter, EX2 8WA. The legal name, number and office match the website’s footer. Companies House records incorporation; it does not approve financial products or verify every filed statement.
Bfgltd.co.uk and FCA Appointed Representative Status
The FCA record for reference 502836, retrieved through the register’s structured data service, identifies Bespoke Financial Guidance Ltd as an appointed representative. Its company number, Exeter address and telephone number match the company’s disclosures. This is distinct from describing the firm as independently authorized for unrestricted financial activities.
The homepage states that the practice represents only St. James’s Place Wealth Management plc for advice on the group’s products and services. The retrieved FCA record corroborates appointed representative identity, but did not expose the principal relationship in the returned fields. That specific relationship and the exact services covered should therefore be checked with the principal before reliance. The record returned no website address, so its matching identifiers are evidence of consistency rather than standalone proof of domain control.
Published Services and Charges
The site describes investment, retirement and protection planning, alongside corporate and specialist advice. These are service descriptions, not evidence of results. Its charges page separates initial advice, ongoing advice, product and fund costs.
- Initial advice is presented in bands: 3% on the first £250,000, 2% on the next £250,000 and 1% above £500,000.
- Ongoing advice is listed at 0.80% annually. Product charges are listed at 0.27% for unit trusts and ISAs and 0.35% for pensions and investment bonds, with reductions for larger holdings.
- The stated fund-charge range for most SJP funds is 0.09%-0.69%. Transaction costs are discussed separately.
These figures are the website’s published schedule as checked on the research date, not a personalized quotation. The page’s Polaris 3 example gives combined ongoing costs of 1.59% for an ISA or 1.67% for a pension. A prospective client should obtain the applicable total costs, scope of ongoing reviews and product terms in writing. The same page warns that investment values can fall and investors may receive less than they invested.
Domain History and Contact Checks
Nominet’s domain record gives a registration date of February 12, 2016. This is the domain registration date, not the company’s incorporation date or proof of continuous operation under the same ownership. Historical ownership and archived content were not established in this review.
The website publishes 01392 829340 and the Exeter office address. The FCA record carries the same telephone number and location. No phone call, office visit, account opening, deposit or withdrawal test was performed. Testimonials and marketing language were not treated as independent evidence of service quality.
Conclusion and Remaining Questions
Conclusion: Identity Corroborated; Suitability Not Assessed. The bfgltd.co.uk disclosures align with an active company and an FCA appointed representative record. This is a stronger identity trail than an anonymous investment solicitation, but it is not an endorsement of advice quality, fees or any investment outcome.
Before relying on bfgltd.co.uk, confirm domain ownership and the current principal relationship through independently obtained contact details, request the precise permissions and service scope, and compare the full written costs. Complaints history, client outcomes and product suitability were not independently assessed. The editorial risk assessment remains unscored.
This review is based on the public records and website material available on November 3, 2026. It is not financial advice or a guarantee of safety, and unresolved questions are not findings of fraud. The findings should be revisited if new evidence becomes available.
If you have first-hand evidence relevant to bfgltd.co.uk, submit a tip to InvestorWatchdog. If you suspect financial fraud, see How to Report Financial Fraud for reporting guidance. This conditional guidance does not imply that fraud has been established in this review.
For context on our evidence standards, read the InvestorWatchdog Methodology.