Clearwater Financial Planning Ltd

Reference number: 450752

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Clearwater Financial Planning Ltd (FRN 450752) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Clearwater Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Clearwater 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, 1 thing worth a closer look

  • When clearwaterfinancialplanning.co.uk first appeared online, and whether it can receive email
  • What kind of line 01548 856096 is
  • Who else gives the postcode TQ7 1NY
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
05764001
Company status
Active
Company type
Private limited company
Incorporated
31 March 2006 (20 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Daniel Peter Burner Director Nov 1975 31 Mar 2006 1 other company
Karen Michelle Burner Secretary Not published 31 Mar 2006 –

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 company
1
still active
1

In the full report: all 1 company, 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 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£24.7k

Up £22.6k from £2,045

Cash at bank

£194k

−1.4% from £197k

Employees (average)

10

Same as 10

Owed within a year

£261k

+16% from £226k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2023 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 05764001. 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

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

Key events (5) All events (8)

2018

20 February 2018

  • Daniel Peter Burner no longer has significant control
  • Dkhp Holdings Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Daniel Peter Burner gained significant control

Companies House

2006

12 April 2006

  • Became an appointed representative

FCA register

31 March 2006

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like Clearwater Financial Planning

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

In Kingsbridge

Pelham Smithers Associates LimitedKingsbridgeAppointed representative

In the Torquay (TQ) postcode area

(UK) Howard Financial LtdTorquayAppointed representativeBrook Financial Advice LtdTorquayAppointed representativeCompton Valley Wealth Management LtdPaigntonAppointed representativeConcise Wealth Management LtdPaigntonAppointed representativeDavid BrownTorquayAppointed 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 Clearwater Financial 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
  • 3 background checks on its contact details, 1 flagged
  • 4 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Clearwater Financial Planning Ltd FCA authorised?
Clearwater Financial Planning Ltd (FRN 450752) 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 Clearwater 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. Clearwater Financial Planning Ltd (FRN 450752) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Clearwater Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Clearwater 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 Clearwater Financial Planning’s phone number and website?
The FCA register lists the phone number 01548 856096 and the website clearwaterfinancialplanning.co.uk for Clearwater Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Clearwater Financial Planning a scam or clone?
Clearwater 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 Clearwater Financial Planning?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Clearwater Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Clearwater Financial Planning?
Clearwater Financial Planning is owned by Dkhp Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 20 February 2018. Before that, it was controlled by Mr Daniel Peter Burner.
Who runs Clearwater Financial Planning?
Companies House lists one director of Clearwater Financial Planning: Daniel Peter Burner.
How long has Clearwater Financial Planning been in business?
The company was formed on 31 March 2006.
What do Clearwater Financial Planning’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £24.7k (up £22.6k from £2,045) and cash at bank of £194k (−1.4% from £197k).

Sources and links

The full report on Clearwater Financial Planning Ltd

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