Harbour Wealth Planning Limited

Reference number: 1023341

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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.
  • Harbour Wealth Planning Limited (FRN 1023341) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Harbour Wealth Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Harbour 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.

In the full report: 3 background checks

  • When harbourwealthplanning.co.uk first appeared online, and whether it can receive email
  • What kind of line 07507 511295 is
  • Who else gives the postcode PO18 8TQ
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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
16085631
Company status
Active
Company type
Private limited company
Incorporated
18 November 2024 (1 year old)
Registered office
C/O Accountably, 1st Floor, Unit 12, Compass Point, Ensign Way, Hamble, Southampton, SO31 4RA, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Paul Hara Director Apr 1984 18 Nov 2024 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

16 months to 31 March 2026Micro-entity accountsNot audited

Net assets

£123

No earlier figure to compare

Employees (average)

1

No earlier figure to compare

Owed within a year

£29.9k

No earlier figure to compare

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 16085631. 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

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

2025

15 January 2025

  • Became an appointed representative

FCA register

2024

18 November 2024

  • Incorporated at Companies House
  • Andrew Paul Hara took control (75–100% of shares)
  • Andrew Paul Hara appointed as a director

Companies House

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

Firms like Harbour Wealth Planning

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

In Chichester

AI Wealth Management LLPChichesterAppointed representativeCathedral Wealth Management LimitedChichesterAppointed representativeCPN Private WealthChichesterAppointed representativeEvident Wealth LtdChichesterAppointed representativeGoodwood Place Financial Planning LLPChichesterAppointed representativeHighhouse Money LtdChichesterAppointed 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 Harbour Wealth Planning

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Harbour Wealth Planning Limited FCA authorised?
Harbour Wealth Planning Limited (FRN 1023341) 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 Harbour 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. Harbour Wealth Planning Limited (FRN 1023341) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Harbour Wealth Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Harbour 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 Harbour Wealth Planning’s phone number and website?
The FCA register lists the phone number 07507 511295 and the website harbourwealthplanning.co.uk for Harbour Wealth Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Harbour Wealth Planning a scam or clone?
Harbour 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 Harbour Wealth Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Harbour Wealth Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Harbour Wealth Planning?
Companies House lists one person with significant control of Harbour Wealth Planning: Mr Andrew Paul Hara (75–100% of shares).
Who runs Harbour Wealth Planning?
Companies House lists one director of Harbour Wealth Planning: Andrew Paul Hara.
How long has Harbour Wealth Planning been in business?
The company was formed on 18 November 2024.
What do Harbour Wealth Planning’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £123 (no earlier figure to compare).

Sources and links

The full report on Harbour Wealth Planning Limited

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