H & D Financial Planning Limited: 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 9 years
Protected through the principal
No FCA actions
Active company since 2017
Accounts filed up to 31 May 2025

Responsible principal firm

H & D WEALTH LIMITED Reference number: 133893 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.
H & D Financial Planning Limited (FRN 779273) is an AR of H & D WEALTH LIMITED (FRN 133893). When you use H & D Financial Planning's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from H & D 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

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

01689 860196
Address

The Maidstone Studios, Vinters Business Park, New Cut Road, Maidstone, Kent, ME14 5NZ, United Kingdom

In the full report: 3 background checks

When hdfp.co.uk first appeared online, and whether it can receive email
What kind of line 01689 860196 is
Who else gives the postcode ME14 5NZ

Other names (3)

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

Carter Financial Planning Trading name: A name it trades under now.
Hellier Financial Planning Trading name: A name it trades under now.
Carter Financial Planning Limited Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through H & D Wealth 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: 10689735 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 24 March 2017 (9 years old)
Registered office: The Maidstone Studios Vinters Business Park, New Cut Road, Maidstone, Kent, ME14 5NZ, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
William James Green	Director	Dec 1983	24 Jan 2023	2 other companies
Carol Chandler	Director	Nov 1966	14 May 2024	1 other company
Carol Chandler	Secretary	Not published	21 Oct 2022	–

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
still active: 2
are FCA-registered: 2

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 2 on the FCA register
The 1 company these 2 directors run together
All 7 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 May 2025Full accountsAudited

Net assets

£270k

Up £386k from −£115k

Cash at bank

£72.8k

−66% from £214k

Employees (average)

6

+20% from 5

Owed within a year

£220k

−56% from £502k

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 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.

Accounts filed at Companies House for company 10689735. 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

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

Key events (6) All events (20)

2022

10 October 2022

Changed its registered name from "Carter Financial Planning Limited"

FCA register

29 September 2022

Bidco Hdw Limited took control (75–100% of shares)
Loyal North PLC gave up control

Companies House

2017

18 May 2017

Became an appointed representative

FCA register

24 March 2017

Incorporated at Companies House
Loyal North PLC took control (75–100% of shares)

Companies House

In the full report: all 20 events

All 20 events in its history (6 shown here)
Every director appointment and resignation: 12

Firms connected to H & D Financial Planning

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

connected firms: 2
share a director: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: shared directors (2), the same postcode (2)
Who links each one: the named directors, with dates

Firms like H & D Financial Planning

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

In Maidstone

Allied Luptons LimitedMaidstoneAppointed representative Annie DrylieMaidstoneAppointed representative Bullivant Wealth Management LtdMaidstoneAppointed representative Double Two Financial Planning LtdMaidstoneAppointed representative Gordon Associates LtdMaidstoneAppointed representative Graham AlnerMaidstoneAppointed 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 H & D 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
6 years of accounts, charted
All 20 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is H & D Financial Planning Limited FCA authorised?

H & D Financial Planning Limited (FRN 779273) 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 H & D 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. H & D Financial Planning Limited (FRN 779273) is an AR of H & D WEALTH LIMITED (FRN 133893). When you use H & D Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from H & D 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 H & D Financial Planning’s phone number and website?

The FCA register lists the phone number 01689 860196 and the website hdfp.co.uk for H & D Financial Planning. If you were given different contact details, use these to check with the firm before going any further.

Is H & D Financial Planning a scam or clone?

H & D 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 H & D Financial Planning?

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

Who owns H & D Financial Planning?

H & D Financial Planning is owned by Bidco Hdw Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 29 September 2022. Before that, it was controlled by Loyal North PLC.

Who runs H & D Financial Planning?

Companies House lists 2 directors of H & D Financial Planning: William James Green and Carol Chandler.

How long has H & D Financial Planning been in business?

The company was formed on 24 March 2017.

What do H & D Financial Planning’s latest accounts show?

Its latest accounts, to 31 May 2025, show net assets of £270k (up £386k from −£115k) and cash at bank of £72.8k (−66% from £214k).

Does H & D Financial Planning use any other names?

It trades as Carter Financial Planning and Hellier Financial Planning. It has previously used the name Carter Financial Planning Limited.