Epsilon Planning LLP

Reference number: 756672

Instant download

Authorised by the FCA

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

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

  • When spectrumllp.co.uk first appeared online, and whether it can receive email
  • What kind of line 028 9332 2822 is
  • Who else gives the postcode BT39 9AA
Instant PDF download
Other names (4)

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

  • Ag Financial Foresight Trading name
  • Spectrum Financial Planning Trading name
  • James M Smyth Life & Pensions Former trading name
  • JMS Financial Planning Former trading name

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 (9 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • 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
NC001351
Company status
Active
Company type
Limited liability partnership
Incorporated
1 March 2016 (10 years old)
Registered office
Suite 1 Davidson House Glenavy Road Business Park,, 20 Glenavy Road, Moira, Armagh, BT67 0LT, Northern Ireland

Directors and company secretaries

Name Role Born Appointed Other companies
SPECTRUM ADVICE GROUP LTD Corporate LLP designated member Not published 15 Nov 2024 None
SPECTRUM WEALTH MANAGEMENT LTD Corporate LLP designated member Not published 15 Nov 2024 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£54.3k

+240% from £16.0k

Employees (average)

0

−100% from 1

Assets and liabilities

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 NC001351. 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

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

Key events (9) All events (22)

2024

29 October 2024

  • Board replaced: both directors left and 2 new directors took over
  • Caroline Mary Bernadette Smyth stopped being a part-owner
  • James Matthew Smyth stopped being a part-owner
  • Spectrum Wealth Management Ltd gained significant control

Companies House

2017

28 February 2017

  • Caroline Mary Bernadette Smyth became a part-owner (25–50% of shares)
  • James Matthew Smyth became a part-owner (25–50% of shares)

Companies House

9 January 2017

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

FCA register

2016

1 March 2016

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (9 shown here)
  • Every director appointment and resignation: 4
Instant PDF download

Firms like Epsilon Planning

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

In Ballyclare

Claire Lunn Wealth Management LtdBallyclareAppointed representativeHarris & Co Wealth Management LtdBallyclareAppointed representative

In the Belfast (BT) postcode area

A.B.M. ConsultancyCraigavonAuthorisedAKFP LtdLisburnAuthorisedAlan Reid Financial Services (Ni) LimitedDromoreAuthorisedAndrew Clements Partnership LtdBelfastAuthorised

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 Epsilon 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
  • 3 background checks on its contact details
  • All 22 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Epsilon Planning LLP FCA authorised?
Yes, Epsilon Planning LLP (FRN 756672) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2017 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Epsilon Planning’s phone number and website?
The FCA register lists the phone number 028 9332 2822 and the website spectrumllp.co.uk for Epsilon Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Epsilon Planning a scam or clone?
Epsilon 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 Epsilon 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 Epsilon Planning to the Financial Ombudsman Service, free of charge.
Who owns Epsilon Planning?
Companies House lists one person with significant control of Epsilon Planning: Spectrum Wealth Management Ltd (significant influence or control). Before that, it was controlled by Mr James Matthew Smyth and Mrs Caroline Mary Bernadette Smyth.
Who runs Epsilon Planning?
Companies House lists 2 directors of Epsilon Planning: Spectrum Advice Group Ltd and Spectrum Wealth Management Ltd.
How long has Epsilon Planning been in business?
The company was formed on 1 March 2016, and has held its current FCA authorisation since January 2017.
What do Epsilon Planning’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £54.3k (+240% from £16.0k).
Does Epsilon Planning use any other names?
It trades as Ag Financial Foresight and Spectrum Financial Planning. It has previously used 2 other names: James M Smyth Life & Pensions and JMS Financial Planning.

Sources and links

The full report on Epsilon Planning LLP

£19.99 · Instant PDF download

Loading secure checkout…