HFB 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 13 years
Protected through the principal
No FCA actions
Active company since 2013
Accounts filed up to 31 March 2025

Responsible principal firm

Quilter Financial Services Limited Reference number: 440703 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.
HFB Financial Planning Ltd (FRN 608731) is an AR of Quilter Financial Services Limited (FRN 440703). When you use HFB Financial Planning's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from HFB 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

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

07717 690758
Address

1 Mill, The Wharf, Shardlow, Derby, Derbyshire, DE72 2GH, United Kingdom

In the full report: 3 background checks

When hfbfinancial.co.uk first appeared online, and whether it can receive email
What kind of line 07717 690758 is
Who else gives the postcode DE72 2GH

Other names (6)

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

Rutland Financial Services Trading name: A name it trades under now.
Ad Valorem Wealth Creation Former trading name: A name it used to trade under.
DeMontfort Chase Wealth Management Former trading name: A name it used to trade under.
HFB Auto-Enrolment Former trading name: A name it used to trade under.
Revolution Mortgage Solutions Former trading name: A name it used to trade under.
Revolution Wealth Management Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Quilter Financial Services 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 name: HFB FINANCIAL PLANNING LIMITED
Company number: 08705095 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 25 September 2013 (13 years old)
Registered office: Linden House Chapel Street, Haconby, Bourne, Lincolnshire, PE10 0UL
Nature of business: Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Michael James Speakman	Director	May 1969	25 Sep 2013	1 other company
Neil Robert Swainson	Director	May 1974	25 Sep 2013	1 other company

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

Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£178k

−14% from £207k

Cash at bank

£103k

+5.9% from £97.6k

Owed within a year

£88.2k

+33% from £66.2k

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 08705095. 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

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

Key events (4) All events (17)

2016

6 April 2016

Michael James Speakman became a part-owner (25–50% of shares)
Neil Robert Swainson became a part-owner (25–50% of shares)

Companies House

2013

14 October 2013

Became an appointed representative

FCA register

25 September 2013

Incorporated at Companies House

Companies House

In the full report: all 17 events

All 17 events in its history (4 shown here)
Every director appointment and resignation: 2

Firms connected to HFB Financial Planning

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like HFB Financial Planning

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

In Derby

Blossom Financial Planning LtdDerbyAppointed representative AMG Wealth Management LtdDerbyAppointed representative Andrew DasilvaDerbyAppointed representative Aristotle Financial Planning LtdDerbyAppointed representative Assist Protect LtdDerbyAppointed representative Atlas Accountancy Services LimitedDerbyAppointed 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 HFB Financial Planning

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
6 years of accounts, charted
All 17 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is HFB Financial Planning Ltd FCA authorised?

HFB Financial Planning Ltd (FRN 608731) 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 HFB 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. HFB Financial Planning Ltd (FRN 608731) is an AR of Quilter Financial Services Limited (FRN 440703). When you use HFB Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from HFB 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 HFB Financial Planning’s phone number and website?

The FCA register lists the phone number 07717 690758 and the website hfbfinancial.co.uk for HFB Financial Planning. If you were given different contact details, use these to check with the firm before going any further.

Is HFB Financial Planning a scam or clone?

HFB 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 HFB Financial Planning?

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

Who owns HFB Financial Planning?

Companies House lists 2 people with significant control of HFB Financial Planning: Mr Neil Robert Swainson (25–50% of shares) and Mr Michael James Speakman (25–50% of shares).

Who runs HFB Financial Planning?

Companies House lists 2 directors of HFB Financial Planning: Michael James Speakman and Neil Robert Swainson.

How long has HFB Financial Planning been in business?

The company was formed on 25 September 2013.

What do HFB Financial Planning’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £178k (−14% from £207k) and cash at bank of £103k (+5.9% from £97.6k).

Does HFB Financial Planning use any other names?

It trades as Rutland Financial Services. It has previously used 5 other names, including Ad Valorem Wealth Creation, DeMontfort Chase Wealth Management and HFB Auto-Enrolment.