Dalbeath Financial Planning Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 13 years
Your funds are protected by FSCS
No FCA actions
Active company since 2013
Accounts filed up to 31 May 2025

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

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

07762 213395
Address

203 High Street, Boston Spa, Wetherby, West Yorkshire, LS23 6AA, United Kingdom

In the full report: 3 background checks

When dalbeath.co.uk first appeared online, and whether it can receive email
What kind of line 07762 213395 is
Who else gives the postcode LS23 6AA

Other names (5)

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

Harris Independent Financial Advice Trading name: A name it trades under now.
Wendy Cochran IFA Trading name: A name it trades under now.
Wendy Cochran IFA Limited Former name: A name it was registered under before.
Matt Harris Independent Financial and Mortgage Advice Former trading name: A name it used to trade under.
Simplicity Wealth Management Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (11 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Debt-counselling
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

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: SC450460 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 May 2013 (13 years old)
Registered office: Hudson House, 8 Albany Street, Edinburgh, EH1 3QB, United Kingdom
Nature of business: Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Wendy Cochran	Director	Nov 1971	21 May 2013	1 other company
Matthew John Harris	Director	Feb 1974	8 Jul 2014	None

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

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

Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Net assets

£681k

+3.6% from £657k

Cash at bank

£120k

−2.2% from £123k

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

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 SC450460. 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

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

Key events (6) All events (20)

2017

1 May 2017

Matthew John Harris became a part-owner (25–50% of shares)
Wendy Cochran became a part-owner (25–50% of shares)

Companies House

2014

23 April 2014

Changed its registered name from "Wendy Cochran IFA Limited"

FCA register

2013

3 September 2013

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

21 May 2013

Incorporated at Companies House

Companies House

In the full report: all 20 events

All 20 events in its history (6 shown here)
Every director appointment and resignation: 2

Firms connected to Dalbeath Financial Planning

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

connected firms: 2
no longer authorised: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like Dalbeath Financial Planning

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

In Wetherby

Berry & Oak LimitedWetherbyAuthorised Fensham Howes LimitedWetherbyAuthorised Five Point Consulting LimitedWetherbyAuthorised JH Family Office LtdWetherbyAuthorised P A Asset Management LLPWetherbyAuthorised RSW Advisory LLPWetherbyAuthorised

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 Dalbeath 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
6 years of accounts, charted
All 20 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Dalbeath Financial Planning Ltd FCA authorised?

Yes, Dalbeath Financial Planning Ltd (FRN 603653) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2013 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Dalbeath Financial Planning’s phone number and website?

The FCA register lists the phone number 07762 213395 and the website dalbeath.co.uk for Dalbeath Financial Planning. If you were given different contact details, use these to check with the firm before going any further.

Is Dalbeath Financial Planning a scam or clone?

Dalbeath 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 Dalbeath Financial Planning?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Dalbeath Financial Planning to the Financial Ombudsman Service, free of charge.

Who owns Dalbeath Financial Planning?

Companies House lists 2 people with significant control of Dalbeath Financial Planning: Mr Matthew John Harris (25–50% of shares) and Mrs Wendy Cochran (25–50% of shares).

Who runs Dalbeath Financial Planning?

Companies House lists 2 directors of Dalbeath Financial Planning: Wendy Cochran and Matthew John Harris.

How long has Dalbeath Financial Planning been in business?

The company was formed on 21 May 2013, and has held its current FCA authorisation since September 2013.

What do Dalbeath Financial Planning’s latest accounts show?

Its latest accounts, to 31 May 2025, show net assets of £681k (+3.6% from £657k) and cash at bank of £120k (−2.2% from £123k).

Does Dalbeath Financial Planning use any other names?

It trades as Harris Independent Financial Advice and Wendy Cochran IFA. It has previously used 3 other names: Wendy Cochran IFA Limited, Matt Harris Independent Financial and Mortgage Advice and Simplicity Wealth Management.