Candour Financial Planning Limited

Reference number: 589836

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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

2 Plan Wealth Management Limited Reference number: 461598 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.
  • Candour Financial Planning Limited (FRN 589836) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Candour Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Candour 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.

  • No website on the FCA register

  • Phone number

    01273 880853

  • Address

    40 Queen Victoria Avenue, Hove, East Sussex, BN3 6WN, United Kingdom

In the full report: 2 background checks

  • What kind of line 01273 880853 is
  • Who else gives the postcode BN3 6WN
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Other names (1)

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

  • Guy Howard Frazer Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through 2 Plan Wealth Management Limited, 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
08486722
Company status
Active
Company type
Private limited company
Incorporated
12 April 2013 (13 years old)
Registered office
Marine House, 151 Western Road, Haywards Heath, RH16 3LH, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Guy Frazer Director Oct 1966 12 Apr 2013 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 April 2025Micro-entity accountsNot audited

Net assets

£7,299

Up £7,627 from −£328

Employees (average)

2

Same as 2

Owed within a year

£24.8k

+68% from £14.8k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 08486722. 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

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

2016

1 July 2016

  • Guy Frazer took control (75–100% of shares)

Companies House

2014

27 February 2014

  • Changed its registered name from "Guy Howard Frazer"

FCA register

2013

12 April 2013

  • Incorporated at Companies House
  • Guy Frazer appointed as a director

Companies House

2012

17 October 2012

  • Became an appointed representative
  • Began trading as "Candour Financial Planning"

FCA register

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

Firms like Candour Financial Planning

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

In Hove

Brighthelm Financial LtdHoveAppointed representativeClearsum Accounting LtdHoveAppointed representativeInvestell LtdHoveAppointed representativeJ & S Structured Solutions LimitedHoveAppointed representativeJames Makin Wealth Management LtdHoveAppointed representativeMachan Wealth Management LimitedHoveAppointed 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 Candour Financial Planning

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Candour Financial Planning Limited FCA authorised?
Candour Financial Planning Limited (FRN 589836) 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 Candour 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. Candour Financial Planning Limited (FRN 589836) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Candour Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Candour 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 Candour Financial Planning’s phone number?
The FCA register lists the phone number 01273 880853 for Candour Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Candour Financial Planning a scam or clone?
Candour 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 Candour Financial Planning?
Protection works through 2 Plan Wealth Management Limited, the principal firm responsible for Candour Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Candour Financial Planning?
Companies House lists one person with significant control of Candour Financial Planning: Mr Guy Frazer (75–100% of shares).
Who runs Candour Financial Planning?
Companies House lists one director of Candour Financial Planning: Guy Frazer.
How long has Candour Financial Planning been in business?
The company was formed on 12 April 2013.
What do Candour Financial Planning’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £7,299 (up £7,627 from −£328).
Does Candour Financial Planning use any other names?
It has previously used the name Guy Howard Frazer.

Sources and links

The full report on Candour Financial Planning Limited

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