Howard Financial Planning Limited

Reference number: 596759

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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.
  • Howard Financial Planning Limited (FRN 596759) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Howard Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Howard 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.

In the full report: 3 background checks

  • When howardfinancialplanning.co.uk first appeared online, and whether it can receive email
  • What kind of line 01227 206244 is
  • Who else gives the postcode CT5 3QZ
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Other names (1)

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

  • Mark Howard Former name

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
10728313
Company status
Active
Company type
Private limited company
Incorporated
18 April 2017 (9 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Howard Director Aug 1977 18 Apr 2017 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

Year to 30 April 2025Small company accountsNot audited

Net assets

£350k

−5.1% from £368k

Cash at bank

£44.9k

−39% from £74.1k

Employees (average)

4

Same as 4

Owed within a year

£48.1k

+29% from £37.3k

Net assets

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
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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 10728313. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (5) All events (8)

2018

24 April 2018

  • Lucy Howard became a part-owner (25–50% of shares)

Companies House

2017

23 May 2017

  • Changed its registered name from "Mark Howard"

FCA register

18 April 2017

  • Incorporated at Companies House
  • Mark Howard became the majority owner (50–75% of shares)

Companies House

2013

4 March 2013

  • Became an appointed representative

FCA register

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Howard Financial Planning

Other FCA-listed firms that share a director, phone number or address with Howard 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
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Firms like Howard Financial Planning

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

In Whitstable

Kevin Paul ManktelowWhitstableAppointed representativeS O Wealthmanagement (UK) LtdWhitstableAppointed representativeDavies Financial Planning LimitedWhitstableAppointed representativeIngard Independent Financial Management LLPWhitstableAuthorisedUtopia Wealth Planning LtdWhitstableAuthorised

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 Howard Financial 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
  • 7 years of accounts, charted
  • All 8 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Howard Financial Planning Limited FCA authorised?
Howard Financial Planning Limited (FRN 596759) 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 Howard 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. Howard Financial Planning Limited (FRN 596759) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Howard Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Howard 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 Howard Financial Planning’s phone number and website?
The FCA register lists the phone number 01227 206244 and the website howardfinancialplanning.co.uk for Howard Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Howard Financial Planning a scam or clone?
Howard 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 Howard Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Howard Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Howard Financial Planning?
Companies House lists 2 people with significant control of Howard Financial Planning: Mr Mark Howard (50–75% of shares) and Mrs Lucy Howard (25–50% of shares).
Who runs Howard Financial Planning?
Companies House lists one director of Howard Financial Planning: Mark Howard.
How long has Howard Financial Planning been in business?
The company was formed on 18 April 2017.
What do Howard Financial Planning’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £350k (−5.1% from £368k) and cash at bank of £44.9k (−39% from £74.1k).
Does Howard Financial Planning use any other names?
It has previously used the name Mark Howard.

Sources and links

The full report on Howard Financial Planning Limited

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