Ithaca Financial Planning Limited

Reference number: 966680

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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.
  • Ithaca Financial Planning Limited (FRN 966680) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Ithaca Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Ithaca 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, 1 thing worth a closer look

  • When ithacafinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 835 9627 is
  • Whether M3 3EB is a shared office: 68 other firms give it
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Other names (1)

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

  • McGarvey Jones Financial Planning Former trading 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
13309525
Company status
Active
Company type
Private limited company
Incorporated
1 April 2021 (5 years old)
Registered office
Ground Floor, Seneca House Links Point, Amy Johnson Way, Blackpool, Lancashire, FY4 2FF, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Adam John Timothy Vickers Director Jun 1979 1 May 2021 2 other companies

Other companies run by its director

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

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£189k

+49% from £126k

Cash at bank

£114k

+211% from £36.7k

Employees (average)

4

−33% from 6

Owed within a year

£176k

−21% from £223k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2022 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 13309525. 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

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

Key events (6) All events (11)

2025

24 July 2025

  • Rachael Joanna Sarah Vickers became a part-owner (25–50% of shares)

Companies House

2024

19 November 2024

  • Stephen Thomas Moy stopped being a part-owner

Companies House

2022

4 January 2022

  • Became an appointed representative

FCA register

2021

1 May 2021

  • Adam John Timothy Vickers became the majority owner (50–75% of shares)

Companies House

1 April 2021

  • Incorporated at Companies House
  • Stephen Thomas Moy became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms like Ithaca Financial Planning

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

In Manchester

Adeptio Wealth Management LtdManchesterAppointed representativeAJ Barnes Financial Planning LtdManchesterAppointed representativeAJ Brown Financial Planning LtdManchesterAppointed representativeAlexander BartonManchesterAppointed representativeAnderton & Associates Financial Planning LimitedManchesterAppointed representativeAndrew Street Financial ServicesManchesterAppointed 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 Ithaca 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, 1 flagged
  • 5 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Ithaca Financial Planning Limited FCA authorised?
Ithaca Financial Planning Limited (FRN 966680) 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 Ithaca 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. Ithaca Financial Planning Limited (FRN 966680) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Ithaca Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ithaca 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 Ithaca Financial Planning’s phone number and website?
The FCA register lists the phone number 0161 835 9627 and the website ithacafinancial.co.uk for Ithaca Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Ithaca Financial Planning a scam or clone?
Ithaca 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 Ithaca Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Ithaca Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Ithaca Financial Planning?
Companies House lists 2 people with significant control of Ithaca Financial Planning: Mr Adam John Timothy Vickers (50–75% of shares) and Mrs Rachael Joanna Sarah Vickers (25–50% of shares). Before that, it was controlled by Mr Stephen Thomas Moy.
Who runs Ithaca Financial Planning?
Companies House lists one director of Ithaca Financial Planning: Adam John Timothy Vickers.
How long has Ithaca Financial Planning been in business?
The company was formed on 1 April 2021.
What do Ithaca Financial Planning’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £189k (+49% from £126k) and cash at bank of £114k (+211% from £36.7k).
Does Ithaca Financial Planning use any other names?
It has previously used the name McGarvey Jones Financial Planning.

Sources and links

The full report on Ithaca Financial Planning Limited

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