Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 17 years
- Protected through the principal
- No FCA actions
- Active company since 2009
- Accounts filed up to 31 March 2025
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Bespoke Financial Guidance Ltd (FRN 502836) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Bespoke Financial Guidance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Bespoke Financial Guidance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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.
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No website on the FCA register
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Phone number
-
Address
7 Oaktree Place, Manaton Close, Matford Business Park, Exeter, Devon, EX2 8WA, United Kingdom
In the full report: 2 background checks
- What kind of line 01392 829340 is
- Who else gives the postcode EX2 8WA
Other names (1)
If you were contacted under any of these names, it is this firm.
- Bespoke Financial Planning Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through St. James's Place Wealth Management PLC, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- 06888172 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 27 April 2009 (17 years old)
- Registered office
- 7 Oaktree Place Manaton Close, Matford Business Park, Exeter, Devon, EX2 8WA, England
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Scott Ashley Lavis | Director | Apr 1971 | 27 Apr 2009 | 6 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
- 6
- closed down
- 1
- still active
- 5
In the full report: all 6 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 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£1.06m
+19% from £891k
Cash at bank
£217k
+72% from £127k
Employees (average)
6
+20% from 5
Owed within a year
£335k
+19% from £281k
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
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 06888172. 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
Bespoke Financial Guidance’s history from the FCA register and Companies House, newest first.
2021
18 December 2021
- Katherine Hannah Lavis stopped being a part-owner
Companies House
2016
6 April 2016
- Katherine Hannah Lavis became a part-owner (25–50% of shares)
- Scott Ashley Lavis took control (75–100% of shares)
Companies House
2010
8 March 2010
- Changed its registered name from "Bespoke Financial Planning Limited"
FCA register
2009
24 June 2009
- Became an appointed representative
FCA register
27 April 2009
- Incorporated at Companies House
Companies House
In the full report: all 15 events
- All 15 events in its history (6 shown here)
- Every director appointment and resignation: 9
Firms like Bespoke Financial Guidance
Other firms of the same type (financial adviser), nearest first.
In Exeter
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 Bespoke Financial Guidance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 15 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk