ILM FINANCIAL LIMITED

What ILM FINANCIAL LIMITED does

ILM Financial Limited is a privately held Independent Financial Adviser (IFA) headquartered at 2 Fitzroy Place, Glasgow, Scotland. Founded in 1996 and operating under FCA authorisation (FRN 526994), the firm delivers whole-of-market, provider-independent financial advice to personal and business clients across Scotland. Its service portfolio spans Investments & Savings, Pensions & Retirement, Life Assurance, Mortgages (including buy-to-let and commercial property), ISAs, Inheritance Tax Planning, Family and Business Protection, and an Expat Financial Planning line for cross-border clients.

The firm's value proposition is built on advisor-led, long-term client relationships rather than technology differentiation. With approximately five employees and a single Glasgow office, it operates a traditional advisory model: consultations, recommendations, placement, and ongoing servicing of pensions, investment, mortgage, and protection arrangements. Pricing is not publicly disclosed and is structured on a case-by-case engagement basis following initial consultation, consistent with UK IFA norms combining initial advice fees, product commissions (where permitted), and ongoing servicing fees.

ILM Financial Limited is owner-operated with no disclosed institutional investors, parent company, subsidiaries, or funding rounds. It maintains no app, no public API, and no documented AI or automation capabilities, and uses a Joomla/Helix Ultimate-based website plus direct phone/email as its primary client-facing channels. The firm exhibits no public growth signals beyond the addition of the Expat Financial Planning service, indicating a stable, local Scottish practice rather than a scaling platform.

Name

ILM FINANCIAL LIMITED

Legal name

ILM Financial Ltd

Website

https://ilmfinancial.co.uk

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Short description

ILM Financial Limited is a Glasgow-based Independent Financial Adviser, founded in 1996 and FCA-regulated, providing whole-of-market financial planning to personal and business clients across Scotland in pensions, investments, mortgages, life assurance, and inheritance tax planning.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM), Independent Broker-Dealers (Retail Network) (FSAAAAAC)

Keywords

• Financial advisory services
• Pension planning
• Mortgage advice
• Life assurance
• Investment advice

Headquarters

HQ city

Glasgow

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Distribution channels1 record

Marketing channels3 records

Core offering

ILM Financial Ltd is an Independent Financial Adviser (IFA) firm providing whole-of-market advice on pensions, investments, mortgages, life assurance, ISAs, inheritance tax planning, and family and business protection to personal and business clients in Scotland. The firm is FCA-authorised (FRN 526994) and has operated from its Glasgow headquarters since 1996. Services are delivered as bespoke advisory consultations rather than as packaged products.

Product overview

ILM Financial Ltd operates as an Independent Financial Advisers (IFA) firm offering a unified advisory service rather than a software product. The company provides comprehensive financial planning services spanning Investments & Savings, Pensions & Retirement, Life Assurance, Mortgages, ISAs, Inheritance Tax Planning, Family and Business Protection, and Expat Financial Planning. All services are delivered as whole-of-market independent advice, meaning the firm is not tied to any provider and offers unbiased recommendations tailored to individual client circumstances.

Differentiator

Problem solved

Functional benefit

Products and services

• Investments & Savings

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves3 records

Direct peers

• Charles Stanley: UK wealth manager and stockbroker offering investment management, financial planning, and retirement/estate planning to individuals and businesses. Highly comparable in scope and customer segment to ILM.
• True Potential: UK wealth management platform combining restricted adviser network with technology-enabled investment solutions. Comparable as a UK personal-finance advisory firm, with stronger digital tooling.
• Openwork: UK IFA network supporting over 4,000 advisers with mortgage, protection, investment, and retirement advice. Comparable as a UK advisory distribution model serving personal and business clients.
• Foster Denovo: UK independent financial adviser group serving personal and corporate clients with pensions, investments, protection, and mortgage advice. Closely comparable as an IFA-style firm with whole-of-market positioning.
• Shackleton: UK independent financial adviser providing personal investment, pension, mortgage, and protection advice to individuals and businesses. Closely comparable in size, scope, and target client profile to ILM.

Broad incumbents

• Evelyn Partners: UK wealth management and professional services firm (formerly Tilney Smith & Williamson) offering financial planning, investment management, and tax services to private clients and businesses. Comparable multi-vertical advisory model.
• Rathbones: UK-listed wealth manager offering discretionary investment management and financial planning to individuals, families, and charities. Comparable investment-advice and financial-planning offering for personal and institutional clients.
• Brewin Dolphin (RBC Wealth Management UK): UK wealth manager (now part of RBC) providing investment management and financial planning to private clients, charities, and intermediaries. Comparable as a UK-wide wealth advisory firm.
• Quilter: UK wealth management group operating a multi-brand adviser network (Quilter Financial Advisers, Private Client, etc.) and platform services. Comparable as a UK IFA/wealth manager serving similar personal and business client needs.
• St. James's Place: UK's largest wealth manager with a tied/restricted adviser network offering investment, pension, and advice services to UK individuals and businesses. Comparable as a UK retail wealth-advisory platform, though materially larger and partnership-model rather than independent.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/ilm-financial-limited

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ILM FINANCIAL LIMITED