Four Wealth Planning Limited

Reference number: 1013905

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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

2 Plan Wealth Management Limited Reference number: 461598 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.
  • Four Wealth Planning Limited (FRN 1013905) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Four Wealth Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Four Wealth 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.

  • No website on the FCA register

  • Phone number

    07798 634474

  • Address

    Bridgewater Place, Water Lane, Leeds, Leeds, LS11 5BZ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07798 634474 is
  • Who else gives the postcode LS11 5BZ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through 2 Plan Wealth Management 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 number
15524732
Company status
Active
Company type
Private limited company
Incorporated
27 February 2024 (2 years old)
Registered office
7 The Broadway, Broadstairs, Kent, CT10 2AD, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Marc Antony Smelt Director May 1963 27 Feb 2024 8 other companies
Vikki Ann Smelt Director Sep 1973 1 Jul 2025 4 other companies
Vikki Ann Smelt Secretary Not published 6 Apr 2025 –

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
8
closed down
8
run together
4

In the full report: all 8 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 4 companies these 2 directors run together
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£5,612

Up £5,411 from £201

Employees (average)

2

Same as 2

Owed within a year

£5,180

+90% from £2,726

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 15524732. 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

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

2025

1 July 2025

  • Vikki Ann Smelt appointed as a director

Companies House

2024

17 June 2024

  • Became an appointed representative

FCA register

27 February 2024

  • Incorporated at Companies House
  • Marc Antony Smelt became a part-owner (25–50% of shares)
  • Vikki Ann Smelt became a part-owner (25–50% of shares)
  • Marc Antony Smelt appointed as a director

Companies House

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

Firms like Four Wealth Planning

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

In Leeds

Adam MacKenzie & PartnersLeedsAppointed representativeAndrew William BlackburnLeedsAppointed representativeAndrew YoungLeedsAppointed representativeArqera Capital LimitedLeedsAppointed representativeAyla Wealth Management LtdLeedsAppointed representativeBartlett Employee Benefits LimitedLeedsAppointed 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 Four Wealth Planning

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

  • 8 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is Four Wealth Planning Limited FCA authorised?
Four Wealth Planning Limited (FRN 1013905) 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 Four Wealth 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. Four Wealth Planning Limited (FRN 1013905) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Four Wealth Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Four Wealth 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 Four Wealth Planning’s phone number?
The FCA register lists the phone number 07798 634474 for Four Wealth Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Four Wealth Planning a scam or clone?
Four Wealth 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 Four Wealth Planning?
Protection works through 2 Plan Wealth Management Limited, the principal firm responsible for Four Wealth Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Four Wealth Planning?
Companies House lists 2 people with significant control of Four Wealth Planning: Mr Marc Antony Smelt (25–50% of shares) and Mrs Vikki Ann Smelt (25–50% of shares).
Who runs Four Wealth Planning?
Companies House lists 2 directors of Four Wealth Planning: Marc Antony Smelt and Vikki Ann Smelt.
How long has Four Wealth Planning been in business?
The company was formed on 27 February 2024.
What do Four Wealth Planning’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £5,612 (up £5,411 from £201).

Sources and links

The full report on Four Wealth Planning Limited

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