Clarity Financial Wellbeing & Planning Ltd: FCA regulated?

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 under a year
Protected through the principal
No FCA actions
Active company since 2026

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.
Clarity Financial Wellbeing & Planning Ltd (FRN 1056620) is an AR of ValidPath Limited (FRN 197107). When you use Clarity Financial Wellbeing & Planning's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Clarity Financial Wellbeing & 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

07470 830077
Address

K B House, Juniper Court, Scott Drive, Altrincham, Trafford, WA15 8AB, United Kingdom

In the full report: 2 background checks

What kind of line 07470 830077 is
Who else gives the postcode WA15 8AB

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: 17027334 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 11 February 2026 (less than a year old)
Registered office: Kb House Juniper Court, Scott Drive, Altrincham, WA15 8AB, England
Nature of business: Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Paul Sweeney	Director	May 1962	11 Feb 2026	None
Ian Richards	Director	May 1982	28 Feb 2026	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 company: 1
still active: 1
is FCA-registered: 1

In the full report: all 1 company, 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
The one on the FCA register

Key dates in its history

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

2026

29 June 2026

Became an appointed representative

FCA register

28 February 2026

Ian Richards appointed as a director

Companies House

11 February 2026

Incorporated at Companies House
Paul Sweeney gained significant control
Paul Sweeney appointed as a director

Companies House

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

Firms connected to Clarity Financial Wellbeing & Planning

Other FCA-listed firms that share a director, phone number or address with Clarity Financial Wellbeing & Planning. A link shows who the firm is tied to, not whether either can be trusted.

connected firm: 1
share a director: 1

In the full report: the connected firm, named

How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates

Firms like Clarity Financial Wellbeing & Planning

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

In Altrincham

Alexander House Financial Planning LimitedAltrinchamAppointed representative Allinea Corporate LimitedAltrinchamAppointed representative Andrew Daldry Wealth Management LimitedAltrinchamAppointed representative Capstone Financial Management LtdAltrinchamAppointed representative Cheshire Wealth ConsultancyAltrinchamAppointed representative Chronos Wealth LtdAltrinchamAppointed 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 Clarity Financial Wellbeing & Planning

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

1 other company its directors have run, named
2 background checks on its contact details
All 5 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Clarity Financial Wellbeing & Planning Ltd FCA authorised?

Clarity Financial Wellbeing & Planning Ltd (FRN 1056620) 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 Clarity Financial Wellbeing & 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. Clarity Financial Wellbeing & Planning Ltd (FRN 1056620) is an AR of ValidPath Limited (FRN 197107). When you use Clarity Financial Wellbeing & Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Clarity Financial Wellbeing & 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 Clarity Financial Wellbeing & Planning’s phone number?

The FCA register lists the phone number 07470 830077 for Clarity Financial Wellbeing & Planning. If you were given different contact details, use these to check with the firm before going any further.

Is Clarity Financial Wellbeing & Planning a scam or clone?

Clarity Financial Wellbeing & 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 Clarity Financial Wellbeing & Planning?

Protection works through ValidPath Limited, the principal firm responsible for Clarity Financial Wellbeing & Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Clarity Financial Wellbeing & Planning?

Companies House lists one person with significant control of Clarity Financial Wellbeing & Planning: Paul Sweeney (can appoint and remove the board).

Who runs Clarity Financial Wellbeing & Planning?

Companies House lists 2 directors of Clarity Financial Wellbeing & Planning: Paul Sweeney and Ian Richards.

How long has Clarity Financial Wellbeing & Planning been in business?

The company was formed on 11 February 2026.