JRF Financial Planning Limited

Reference number: 777889

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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

Flying Colours Advice Limited Reference number: 672022 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.
  • JRF Financial Planning Limited (FRN 777889) is an AR of Flying Colours Advice Limited (FRN 672022). When you use JRF Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from JRF 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.

  • No website on the FCA register

  • Phone number

    07982 234004

  • Address

    48 Rivermead, Lincoln, Lincolnshire, LN6 8FB, United Kingdom

In the full report: 2 background checks

  • What kind of line 07982 234004 is
  • Who else gives the postcode LN6 8FB
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Other names (1)

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

  • Flying Colours Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Flying Colours Advice 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 number
10745336
Company status
Active
Company type
Private limited company
Incorporated
28 April 2017 (9 years old)
Registered office
48 Rivermead, Lincoln, LN6 8FB, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
John Richard Fielding Director Jan 1973 28 Apr 2017 None
John Richard Fielding Secretary Not published 28 Apr 2017 –

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 2026Small company accountsNot audited

Net assets

£2,984

−67% from £9,093

Cash at bank

£1,343

−94% from £22.2k

Employees (average)

2

Same as 2

Owed within a year

£11.8k

−17% from £14.1k

Net assets

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 10745336. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2019

27 April 2019

  • Anne-Marie Fielding became a part-owner (25–50% of shares)

Companies House

2017

2 May 2017

  • Became an appointed representative
  • Began trading as "Flying Colours"

FCA register

28 April 2017

  • Incorporated at Companies House
  • John Richard Fielding gained significant control
  • John Richard Fielding appointed as a director

Companies House

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

Firms like JRF Financial Planning

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

In Lincoln

Carr Financial LtdLincolnAppointed representativeChris CutlerLincolnAppointed representativeEmma Storey Independent Financial Planning LtdLincolnAppointed representativeEquium Wealth Management LimitedLincolnAppointed representativeJCM Financial Planning LimitedLincolnAppointed representativeM Jones & Co Wealth ManagementLincolnAppointed 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 JRF 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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is JRF Financial Planning Limited FCA authorised?
JRF Financial Planning Limited (FRN 777889) 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 JRF 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. JRF Financial Planning Limited (FRN 777889) is an AR of Flying Colours Advice Limited (FRN 672022). When you use JRF Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from JRF 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 JRF Financial Planning’s phone number?
The FCA register lists the phone number 07982 234004 for JRF Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is JRF Financial Planning a scam or clone?
JRF 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 JRF Financial Planning?
Protection works through Flying Colours Advice Limited, the principal firm responsible for JRF Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns JRF Financial Planning?
Companies House lists 2 people with significant control of JRF Financial Planning: Mrs Anne-Marie Fielding (25–50% of shares) and Mr John Richard Fielding (significant influence or control).
Who runs JRF Financial Planning?
Companies House lists one director of JRF Financial Planning: John Richard Fielding.
How long has JRF Financial Planning been in business?
The company was formed on 28 April 2017.
What do JRF Financial Planning’s latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £2,984 (−67% from £9,093) and cash at bank of £1,343 (−94% from £22.2k).
Does JRF Financial Planning use any other names?
It trades as Flying Colours.

Sources and links

The full report on JRF Financial Planning Limited

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