Gillett Financial Planning Ltd: FCA regulated?

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.

Appointed for 14 years
Protected through the principal
No FCA actions
Active company since 2011
Accounts filed up to 31 December 2025

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.
Gillett Financial Planning Ltd (FRN 569652) is an AR of ValidPath Limited (FRN 197107). When you use Gillett Financial Planning's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Gillett Financial 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.

Website

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

01242 801202
Address

The Limes, Bayshill Road, Cheltenham, Gloucestershire, GL50 3AW, United Kingdom

In the full report: 3 background checks

When gillettfinancial.co.uk first appeared online, and whether it can receive email
What kind of line 01242 801202 is
Who else gives the postcode GL50 3AW

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 number: 07851992 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 17 November 2011 (14 years old)
Registered office: May Cottage Foscombe, Ashleworth, Gloucester, GL19 4JN
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Andrew John Gillett	Director	Jun 1968	17 Nov 2011	1 other company
Tonia Gillett	Director	Aug 1971	17 Nov 2011	1 other company
Tonia Gillett	Secretary	Not published	17 Nov 2011	–

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: 2
closed down: 1
is FCA-registered: 1

In the full report: all 2 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 one on the FCA register

Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£1,014

−82% from £5,746

Employees (average)

2

Same as 2

Owed within a year

£37.7k

+66% from £22.7k

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

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 07851992. 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

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

2016

6 April 2016

Andrew John Gillett became a part-owner (25–50% of shares)
Tonia Gillett became a part-owner (25–50% of shares)

Companies House

2011

24 November 2011

Became an appointed representative

FCA register

17 November 2011

Incorporated at Companies House
Andrew John Gillett appointed as a director
Tonia Gillett appointed as a director

Companies House

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

Firms connected to Gillett Financial Planning

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

connected firms: 3
share its postcode: 3
past link: 1

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like Gillett Financial Planning

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

In Cheltenham

Amir MahvanCheltenhamAppointed representative Anderson Wealth Advice LimitedCheltenhamAppointed representative Angus CarmichaelCheltenhamAppointed representative Awb Financial LtdCheltenhamAppointed representative Blincoe Financial Planning LimitedCheltenhamAppointed representative Converse Financial LimitedCheltenhamAppointed 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 Gillett Financial Planning

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
3 background checks on its contact details
7 years of accounts, charted
All 6 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Gillett Financial Planning Ltd FCA authorised?

Gillett Financial Planning Ltd (FRN 569652) 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 Gillett Financial 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. Gillett Financial Planning Ltd (FRN 569652) is an AR of ValidPath Limited (FRN 197107). When you use Gillett Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Gillett Financial 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 Gillett Financial Planning’s phone number and website?

The FCA register lists the phone number 01242 801202 and the website gillettfinancial.co.uk for Gillett Financial Planning. If you were given different contact details, use these to check with the firm before going any further.

Is Gillett Financial Planning a scam or clone?

Gillett 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 Gillett Financial Planning?

Protection works through ValidPath Limited, the principal firm responsible for Gillett Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Gillett Financial Planning?

Companies House lists 2 people with significant control of Gillett Financial Planning: Mr Andrew John Gillett (25–50% of shares) and Mrs Tonia Gillett (25–50% of shares).

Who runs Gillett Financial Planning?

Companies House lists 2 directors of Gillett Financial Planning: Andrew John Gillett and Tonia Gillett.

How long has Gillett Financial Planning been in business?

The company was formed on 17 November 2011.

What do Gillett Financial Planning’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of £1,014 (−82% from £5,746).