4 Financial Planning Ltd

Reference number: 1036610

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 4-fp.co.uk first appeared online, and whether it can receive email
  • What kind of line 0117 457 9945 is
  • Who else gives the postcode BS16 7FR
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FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Debt-counselling
  • Making arrangements with a view to transactions in investments

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
12136772
Company status
Active
Company type
Private limited company
Incorporated
2 August 2019 (7 years old)
Registered office
Bristol & Bath Science Park Dirac Crescent, Emersons Green, Bristol, BS16 7FR, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Stuart Else Director May 1973 7 Oct 2019 1 other company

Other companies run by its director

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other company
1
still active
1
is FCA-registered
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Micro-entity accountsNot audited

Net assets

£20.7k

Up £20.5k from £228

Employees (average)

2

+100% from 1

Owed within a year

£14.2k

−33% from £21.1k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 12136772. 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

4 Financial Planning’s history from the FCA register and Companies House, newest first.

Key events (6) All events (11)

2026

4 February 2026

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2019

7 October 2019

  • Charlotte Joanne Morrison gave up control
  • Ian Stuart Else took control (75–100% of shares)

Companies House

2 August 2019

  • Incorporated at Companies House
  • Charlotte Joanne Morrison took control (75–100% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to 4 Financial Planning

Other FCA-listed firms that share a director, phone number or address with 4 Financial Planning. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share its postcode
4
past link
1

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like 4 Financial Planning

Other firms of the same type (financial adviser), nearest first.

In Bristol

Hargreaves Lansdown Advisory Services LimitedBristolAuthorisedAbsolute Wealth Management LtdBristolAuthorisedBowmore Financial Planning LimitedBristolAuthorisedBrighton Williams & PartnersBristolAuthorisedBrunel Independent Financial Planners LimitedBristolAuthorisedCardens LimitedBristolAuthorised

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 4 Financial Planning

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 11 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is 4 Financial Planning Ltd FCA authorised?
Yes, 4 Financial Planning Ltd (FRN 1036610) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2026 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is 4 Financial Planning’s phone number and website?
The FCA register lists the phone number 0117 457 9945 and the website 4-fp.co.uk for 4 Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is 4 Financial Planning a scam or clone?
4 Financial Planning 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 4 Financial Planning?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about 4 Financial Planning to the Financial Ombudsman Service, free of charge.
Who owns 4 Financial Planning?
Companies House lists one person with significant control of 4 Financial Planning: Mr Ian Stuart Else (75–100% of shares). Before that, it was controlled by Ms Charlotte Joanne Morrison.
Who runs 4 Financial Planning?
Companies House lists one director of 4 Financial Planning: Ian Stuart Else.
How long has 4 Financial Planning been in business?
The company was formed on 2 August 2019, and has held its current FCA authorisation since February 2026.
What do 4 Financial Planning’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £20.7k (up £20.5k from £228).

Sources and links

The full report on 4 Financial Planning Ltd

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