Form Financial Clarity Limited

Reference number: 444102

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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

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.
  • Form Financial Clarity Limited (FRN 444102) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Form Financial Clarity's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Form Financial Clarity, 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

  • When formfinancialclarity.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 094 9040 is
  • Who else gives the postcode WR9 0BL
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Other names (1)

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

  • P D Financial Management L td Former name

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
05123232
Company status
Active
Company type
Private limited company
Incorporated
10 May 2004 (22 years old)
Registered office
No.1 The Paddocks, Impney Estate, Droitwich Spa, Worcestershire, WR9 0BL, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Ian Beddowes Director Nov 1974 9 Sep 2016 1 other company
David London Director Mar 1981 9 Sep 2016 1 other company
Mark Ian Beddowes Secretary Not published 21 Oct 2016 –

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
run together
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
  • The 1 company these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£1.96m

−20% from £2.44m

Cash at bank

£330k

+256% from £92.6k

Employees (average)

13

+8.3% from 12

Owed within a year

£389k

−1.3% from £394k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 05123232. 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

Form Financial Clarity’s history from the FCA register and Companies House, newest first.

Key events (5) All events (13)

2021

18 May 2021

  • Changed its registered name from "P D Financial Management Ltd"

FCA register

2016

29 July 2016

  • Changed its registered name from "P D Financial Management L td"

FCA register

6 April 2016

  • Ffc Holdings Limited took control (75–100% of shares)

Companies House

2005

7 December 2005

  • Became an appointed representative

FCA register

2004

10 May 2004

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 8
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Firms like Form Financial Clarity

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

In Droitwich

Hawthorn Wealth Management LtdDroitwichAppointed representativeLittle Green Owl Financial Planning LtdDroitwichAppointed representativeOakley Independent Advisers LimitedDroitwichAppointed representativePaladin Financial Consultancy LimitedDroitwichAppointed representativeArden Associates (IFA) LLPDroitwichAuthorisedSn Financial Services LimitedDroitwichAuthorised

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 Form Financial Clarity

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
  • 7 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Form Financial Clarity Limited FCA authorised?
Form Financial Clarity Limited (FRN 444102) 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 Form Financial Clarity?
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. Form Financial Clarity Limited (FRN 444102) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Form Financial Clarity's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Form Financial Clarity, 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 Form Financial Clarity’s phone number and website?
The FCA register lists the phone number 0330 094 9040 and the website formfinancialclarity.co.uk for Form Financial Clarity. If you were given different contact details, use these to check with the firm before going any further.
Is Form Financial Clarity a scam or clone?
Form Financial Clarity 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 Form Financial Clarity?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Form Financial Clarity's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Form Financial Clarity?
Form Financial Clarity is owned by Ffc Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Form Financial Clarity?
Companies House lists 2 directors of Form Financial Clarity: Mark Ian Beddowes and David London.
How long has Form Financial Clarity been in business?
The company was formed on 10 May 2004.
What do Form Financial Clarity’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £1.96m (−20% from £2.44m) and cash at bank of £330k (+256% from £92.6k).
Does Form Financial Clarity use any other names?
It has previously used the name P D Financial Management L td.

Sources and links

The full report on Form Financial Clarity Limited

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