Intentional 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 1 year
Protected through the principal
No FCA actions
Active company since 2025
Accounts filed up to 31 March 2025

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.
Intentional Financial Planning Ltd (FRN 1028497) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Intentional Financial Planning's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Intentional 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

intentional-fp.co.uk (opens in a new tab)
Phone number

07917 194895
Address

Onyx House 12 Phoenix Business Park, Avenue Close, Birmingham, West Midlands, B7 4NU, United Kingdom

In the full report: 3 background checks

When intentional-fp.co.uk first appeared online, and whether it can receive email
What kind of line 07917 194895 is
Who else gives the postcode B7 4NU

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: 16168909 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 7 January 2025 (1 year old)
Registered office: Onyx House 12 Phoenix Business Park, Avenue Close, Birmingham, West Midlands, B7 4NU, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Richard John Edney	Director	Sep 1966	7 Jan 2025	1 other company
Zoe Ann Edney	Director	Sep 1971	7 Jan 2025	None
Zoe Edney	Secretary	Not published	7 Jan 2025	–

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

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

Filed accounts and finances

3 months to 31 March 2025Dormant company accountsNot audited

Net assets

£100

No earlier figure to compare

Cash at bank

£100

No earlier figure to compare

These accounts were filed as dormant: the company reported no significant trading in the period.

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 16168909. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2025

7 March 2025

Became an appointed representative

FCA register

7 January 2025

Incorporated at Companies House
Richard John Edney became a part-owner (25–50% of shares)
Zoe Ann Edney became a part-owner (25–50% of shares)
Richard John Edney appointed as a director
Zoe Ann Edney appointed as a director

Companies House

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

Firms connected to Intentional Financial Planning

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

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

In Birmingham

Affinity Business Services LimitedBirminghamAppointed representative Andrzej GarwolinskiBirminghamAppointed representative Atkins Wealth Consultancy LtdBirminghamAppointed representative Better Invest Direct limitedBirminghamAppointed representative Carlatton Capital LimitedBirminghamAppointed representative Casey Financial Planning LimitedBirminghamAppointed 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 Intentional 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
All 6 events in its history
1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Intentional Financial Planning Ltd FCA authorised?

Intentional Financial Planning Ltd (FRN 1028497) 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 Intentional 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. Intentional Financial Planning Ltd (FRN 1028497) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Intentional Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Intentional 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 Intentional Financial Planning’s phone number and website?

The FCA register lists the phone number 07917 194895 and the website intentional-fp.co.uk for Intentional Financial Planning. If you were given different contact details, use these to check with the firm before going any further.

Is Intentional Financial Planning a scam or clone?

Intentional 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 Intentional Financial Planning?

Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Intentional Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Intentional Financial Planning?

Companies House lists 2 people with significant control of Intentional Financial Planning: Mr Richard John Edney (25–50% of shares) and Mrs Zoe Ann Edney (25–50% of shares).

Who runs Intentional Financial Planning?

Companies House lists 2 directors of Intentional Financial Planning: Richard John Edney and Zoe Ann Edney.

How long has Intentional Financial Planning been in business?

The company was formed on 7 January 2025.

What do Intentional Financial Planning’s latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £100 (no earlier figure to compare) and cash at bank of £100 (no earlier figure to compare).