Castle Financial Planning Ltd

Reference number: 480575

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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

ValidPath Limited Reference number: 197107 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.
  • Castle Financial Planning Ltd (FRN 480575) is an AR of ValidPath Limited (FRN 197107). When you use Castle Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Castle 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

    01685 387979

  • Address

    55 Lakeside Gardens, Merthyr Tydfil, Mid Glamorgan, CF48 1EW, United Kingdom

In the full report: 2 background checks

  • What kind of line 01685 387979 is
  • Who else gives the postcode CF48 1EW
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through ValidPath 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
06495954
Company status
Active
Company type
Private limited company
Incorporated
6 February 2008 (18 years old)
Registered office
55 Lakeside Gardens, Merthyr Tydfil, CF48 1EW
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas Vaughan Morgan Director Apr 1958 6 Feb 2008 None
Cheryl Ann Morgan Secretary Not published 6 Feb 2008 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£13.7k

<1% from £13.8k

Cash at bank

£14.1k

−16% from £16.9k

Employees (average)

2

Same as 2

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 06495954. 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

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

Key events (3) All events (6)

2017

6 February 2017

  • Nicholas Vaughan Morgan took control (75–100% of shares)

Companies House

2008

19 March 2008

  • Became an appointed representative

FCA register

6 February 2008

  • Incorporated at Companies House

Companies House

In the full report: all 6 events

  • All 6 events in its history (3 shown here)
  • Every director appointment and resignation: 3
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Firms like Castle Financial Planning

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

In Merthyr Tydfil

Gareth Channon Financial Consultancy LtdMerthyr TydfilAppointed representativeResolute Financial Planning LtdMerthyr TydfilAuthorisedVision Financial Advisers LtdMerthyr TydfilAuthorised

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 Castle 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
  • 6 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Castle Financial Planning Ltd FCA authorised?
Castle Financial Planning Ltd (FRN 480575) 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 Castle 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. Castle Financial Planning Ltd (FRN 480575) is an AR of ValidPath Limited (FRN 197107). When you use Castle Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Castle 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 Castle Financial Planning’s phone number?
The FCA register lists the phone number 01685 387979 for Castle Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Castle Financial Planning a scam or clone?
Castle 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 Castle Financial Planning?
Protection works through ValidPath Limited, the principal firm responsible for Castle Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Castle Financial Planning?
Companies House lists one person with significant control of Castle Financial Planning: Mr Nicholas Vaughan Morgan (75–100% of shares).
Who runs Castle Financial Planning?
Companies House lists one director of Castle Financial Planning: Nicholas Vaughan Morgan.
How long has Castle Financial Planning been in business?
The company was formed on 6 February 2008.
What do Castle Financial Planning’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £13.7k (<1% from £13.8k) and cash at bank of £14.1k (−16% from £16.9k).

Sources and links

The full report on Castle Financial Planning Ltd

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