Advice 4U Financial Planning Ltd

Reference number: 671527

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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 rubyfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3876 7960 is
  • Who else gives the postcode GL20 8SD
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Other names (4)

If you were contacted under any of these names, it is this firm.

  • money4dentists Trading name
  • Ruby Financial Trading name
  • Tudor Lewis Trading name
  • Equity Release & Mortgage Bureau Former trading name

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.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (10 permissions)
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • 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.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
09398231
Company status
Active
Company type
Private limited company
Incorporated
20 January 2015 (11 years old)
Registered office
09398231 - COMPANIES HOUSE DEFAULT ADDRESS, Cardiff, CF14 8LH
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jason Paul Williams Director Oct 1970 9 Jun 2022 2 other companies

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 companies
2
still active
2

In the full report: all 2 companies, 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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2024Small company accountsNot audited

Net assets

£31.9k

No earlier figure to compare

Cash at bank

£8,694

+3.9% from £8,370

Employees (average)

1

Same as 1

Owed within a year

£22.1k

+103% from £10.9k

Its next accounts are overdue at Companies House.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2024
  • 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 09398231. 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

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

Key events (7) All events (18)

2022

9 June 2022

  • Board replaced: its only director left and a new director took over
  • Michael Antony Howard Rayer no longer has significant control
  • Ruby Financial Limited took control (75–100% of shares)

Companies House

2017

20 January 2017

  • Michael Antony Howard Rayer gained significant control

Companies House

2015

5 May 2015

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

FCA register

20 January 2015

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms like Advice 4U Financial Planning

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

In Tewkesbury

Abacus Money Management LimitedTewkesburyAuthorisedKellands (Gloucester) LimitedTewkesburyAuthorisedFort Veritas Wealth LtdTewkesburyAppointed representativeMason-Brown Financial Planning LimitedTewkesburyAppointed representativeRichard AtkinsTewkesburyAppointed representative

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 Advice 4U Financial Planning

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 18 events in its history

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Frequently asked questions about this firm

Is Advice 4U Financial Planning Ltd FCA authorised?
Yes, Advice 4U Financial Planning Ltd (FRN 671527) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2015 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Advice 4U Financial Planning’s phone number and website?
The FCA register lists the phone number 020 3876 7960 and the website rubyfinancial.co.uk for Advice 4U Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Advice 4U Financial Planning a scam or clone?
Advice 4U 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 Advice 4U 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 Advice 4U Financial Planning to the Financial Ombudsman Service, free of charge.
Who owns Advice 4U Financial Planning?
Advice 4U Financial Planning is owned by Ruby Financial Limited, which holds 75–100% of shares and 75–100% of votes, since 9 June 2022. Before that, it was controlled by Mr Michael Antony Howard Rayer.
Who runs Advice 4U Financial Planning?
Companies House lists one director of Advice 4U Financial Planning: Jason Paul Williams.
How long has Advice 4U Financial Planning been in business?
The company was formed on 20 January 2015, and has held its current FCA authorisation since May 2015.
What do Advice 4U Financial Planning’s latest accounts show?
Its latest accounts, to 30 September 2024, show net assets of £31.9k (no earlier figure to compare) and cash at bank of £8,694 (+3.9% from £8,370). Its accounts are overdue at Companies House.
Does Advice 4U Financial Planning use any other names?
It trades as money4dentists, Ruby Financial and Tudor Lewis. It has previously used the name Equity Release & Mortgage Bureau.

Sources and links

The full report on Advice 4U Financial Planning Ltd

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