BF Financial Planning Limited

Reference number: 822194

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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.

Responsible principal firm

St. James's Place Wealth Management Plc Reference number: 195351 Authorised 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.
  • BF Financial Planning Limited (FRN 822194) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use BF Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from BF Financial Planning, 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.

In the full report: 3 background checks

  • When bffinancialplanning.co.uk first appeared online, and whether it can receive email
  • What kind of line 07834 611465 is
  • Who else gives the postcode S41 0XN
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, free
    You 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
11583765
Company status
Active
Company type
Private limited company
Incorporated
24 September 2018 (8 years old)
Registered office
9 Ratcliffe Close, Chesterfield, S41 0XN, United Kingdom
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Sarah Mandy Brunt Director Jul 1976 24 Sep 2018 1 other company
Karen Lesley Fairy Director Dec 1967 24 Sep 2018 1 other company

Other companies run by these 2 directors

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
closed down
2

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£359k

+38% from £261k

Employees (average)

2

Same as 2

Owed within a year

£239k

<1% from £237k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2026
  • 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 11583765. 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

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

2018

3 October 2018

  • Became an appointed representative

FCA register

24 September 2018

  • Incorporated at Companies House
  • Karen Lesley Fairy became a part-owner (25–50% of shares)
  • Sarah Mandy Brunt became a part-owner (25–50% of shares)
  • Karen Lesley Fairy appointed as a director
  • Sarah Mandy Brunt appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like BF Financial Planning

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

In Chesterfield

Alison GregoryChesterfieldAppointed representativeDavid CooperChesterfieldAppointed representativeEmma Foster Wealth Management LtdChesterfieldAppointed representativeKnight - Maley LtdChesterfieldAppointed representativeLisa Vaughan Financial Planning LtdChesterfieldAppointed representativeMilestone JV LLPChesterfieldAppointed 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 BF 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 6 events in its history

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Frequently asked questions about this firm

Is BF Financial Planning Limited FCA authorised?
BF Financial Planning Limited (FRN 822194) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for BF Financial Planning?
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. BF Financial Planning Limited (FRN 822194) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use BF Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from BF Financial Planning, 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.
What is BF Financial Planning’s phone number and website?
The FCA register lists the phone number 07834 611465 and the website bffinancialplanning.co.uk for BF Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is BF Financial Planning a scam or clone?
BF 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 BF Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for BF Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns BF Financial Planning?
Companies House lists 2 people with significant control of BF Financial Planning: Mrs Sarah Mandy Brunt (25–50% of shares) and Mrs Karen Lesley Fairy (25–50% of shares).
Who runs BF Financial Planning?
Companies House lists 2 directors of BF Financial Planning: Sarah Mandy Brunt and Karen Lesley Fairy.
How long has BF Financial Planning been in business?
The company was formed on 24 September 2018.
What do BF Financial Planning’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £359k (+38% from £261k).

Sources and links

The full report on BF Financial Planning Limited

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