FinPlanPro LTD

Reference number: 1035407

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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

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.
  • FinPlanPro LTD (FRN 1035407) is an AR of ValidPath Limited (FRN 197107). When you use FinPlanPro's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from FinPlanPro, 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

    07966 450498

  • Address

    27 Northgate Avenue, Bury St. Edmunds, Suffolk, IP32 6BB, United Kingdom

In the full report: 2 background checks

  • What kind of line 07966 450498 is
  • Who else gives the postcode IP32 6BB
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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 name
FINPLANPRO UK LTD
Company number
16050085
Company status
Active
Company type
Private limited company
Incorporated
30 October 2024 (1 year old)
Registered office
Unit 27 Station Hill, Bury St. Edmunds, Suffolk, IP31 3QU, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Iain Clayton Director Jun 1984 15 Apr 2025 2 other companies

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 companies
2
closed down
2

In the full report: all 2 companies, 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 October 2025Small company accountsNot audited

Net assets

−£8,699

No earlier figure to compare

Cash at bank

£850

No earlier figure to compare

Employees (average)

0

No earlier figure to compare

Owed within a year

£10.7k

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £8,699 more than it owned.

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 16050085. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (6) All events (9)

2025

11 June 2025

  • Changed its registered name from "Finplan Pro LTD"

FCA register

5 June 2025

  • Became an appointed representative

FCA register

15 April 2025

  • Chloe Clayton-Green gave up control
  • Iain Clayton took control (75–100% of shares)

Companies House

2024

30 October 2024

  • Incorporated at Companies House
  • Chloe Clayton-Green took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms like FinPlanPro

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

In Bury St. Edmunds

Chandler House Financial Planning LtdBury St. EdmundsAppointed representativeChristopher Lloyd Financial Planning LtdBury St. EdmundsAppointed representativeDean J. Last Wealth Management LtdBury St. EdmundsAppointed representativeFairfield Money LimitedBury St. EdmundsAppointed representativeForte Wealth Partners LimitedBury St. EdmundsAppointed representativeMartin O'LearyBury St. EdmundsAppointed 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 FinPlanPro

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

  • 2 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 9 events in its history

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Frequently asked questions about this firm

Is FinPlanPro LTD FCA authorised?
FinPlanPro LTD (FRN 1035407) 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 FinPlanPro?
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. FinPlanPro LTD (FRN 1035407) is an AR of ValidPath Limited (FRN 197107). When you use FinPlanPro's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from FinPlanPro, 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 FinPlanPro’s phone number?
The FCA register lists the phone number 07966 450498 for FinPlanPro. If you were given different contact details, use these to check with the firm before going any further.
Is FinPlanPro a scam or clone?
FinPlanPro 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 FinPlanPro?
Protection works through ValidPath Limited, the principal firm responsible for FinPlanPro's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns FinPlanPro?
Companies House lists one person with significant control of FinPlanPro: Mr Iain Clayton (75–100% of shares). Before that, it was controlled by Mrs Chloe Clayton-Green.
Who runs FinPlanPro?
Companies House lists one director of FinPlanPro: Iain Clayton.
How long has FinPlanPro been in business?
The company was formed on 30 October 2024.
What do FinPlanPro’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of −£8,699 (no earlier figure to compare) and cash at bank of £850 (no earlier figure to compare).

Sources and links

The full report on FinPlanPro LTD

£19.99 · Instant PDF download

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