Coral Financial Planning LLP: 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 4 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 March 2025

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.
Coral Financial Planning LLP (FRN 979869) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Coral Financial Planning's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Coral 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.

Website

coralfp.co.uk (opens in a new tab)
Phone number

07540 498612
Address

13 Sutherland Gardens, Gillingham, Medway, ME8 9LZ, United Kingdom

In the full report: 3 background checks

When coralfp.co.uk first appeared online, and whether it can receive email
What kind of line 07540 498612 is
Who else gives the postcode ME8 9LZ

Other names (1)

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

Coral Financial Planning Former name: A name it was registered under before.

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: OC443112 (opens Companies House in a new tab)
Company status: Active
Company type: Limited liability partnership
Incorporated: 14 July 2022 (4 years old)
Registered office: 13 Sutherland Gardens, Gillingham, Kent, ME8 9LZ, England

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Luke Christopher Riordan	LLP designated member	Dec 1989	14 Jul 2022	2 other companies
Clare Stokes	LLP designated member	Dec 1977	14 Jul 2022	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: 3
closed down: 1
is FCA-registered: 1

In the full report: all 3 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
The one on the FCA register

Filed accounts and finances

3 months to 31 March 2025Small company accountsNot audited

Cash at bank

£5,876

Up £5,675 from £201

Employees (average)

0

Same as 0

Owed within a year

£8,262

−59% from £20.0k

The accounts for the 3 months to 31 March 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £55.8k, for the year to 31 December 2024.

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.

Accounts filed at Companies House for company OC443112. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2024

22 February 2024

Changed its registered name from "Coral Financial Planning"

FCA register

2022

27 July 2022

Became an appointed representative

FCA register

14 July 2022

Incorporated at Companies House
Clare Stokes became a part-owner (25–50% of shares)
Luke Christopher Riordan became a part-owner (25–50% of shares)
Clare Stokes appointed as a director
Luke Christopher Riordan appointed as a director

Companies House

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

Firms connected to Coral Financial Planning

Other FCA-listed firms that share a director, phone number or address with Coral Financial 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 Coral Financial Planning

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

In Gillingham

Business Tax Accountants LimitedGillinghamAppointed representative Easom Wealth ManagementGillinghamAppointed representative Future Financial Wealth LLPGillinghamAppointed representative J Pym Finance LtdGillinghamAppointed representative Paragon Financial Solutions LimitedGillinghamAppointed representative PJH Financial ServicesGillinghamAppointed 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 Coral Financial Planning

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

3 other companies its directors have run, named
3 background checks on its contact details
All 7 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Coral Financial Planning LLP FCA authorised?

Coral Financial Planning LLP (FRN 979869) 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 Coral 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. Coral Financial Planning LLP (FRN 979869) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Coral Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Coral 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 Coral Financial Planning’s phone number and website?

The FCA register lists the phone number 07540 498612 and the website coralfp.co.uk for Coral Financial Planning. If you were given different contact details, use these to check with the firm before going any further.

Is Coral Financial Planning a scam or clone?

Coral 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 Coral Financial Planning?

Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Coral Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Coral Financial Planning?

Companies House lists 2 people with significant control of Coral Financial Planning: Mrs Clare Stokes (25–50% of votes) and Mr Luke Christopher Riordan (25–50% of votes).

Who runs Coral Financial Planning?

Companies House lists 2 directors of Coral Financial Planning: Luke Christopher Riordan and Clare Stokes.

How long has Coral Financial Planning been in business?

The company was formed on 14 July 2022.

What do Coral Financial Planning’s latest accounts show?

Its latest accounts, to 31 March 2025, show cash at bank of £5,876 (up £5,675 from £201).

Does Coral Financial Planning use any other names?

It has previously used the name Coral Financial Planning.