Kato Wealth Planning Ltd

Reference number: 1026516

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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

ValidPath Limited Reference number: 197107 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.
  • Kato Wealth Planning Ltd (FRN 1026516) is an AR of ValidPath Limited (FRN 197107). When you use Kato Wealth Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Kato Wealth 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

    07974 256253

  • Address

    42B Station Road, Castle Bytham, Grantham, Lincolnshire, NG33 4SB, United Kingdom

In the full report: 2 background checks

  • What kind of line 07974 256253 is
  • Who else gives the postcode NG33 4SB
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through ValidPath 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
16132523
Company status
Active
Company type
Private limited company
Incorporated
12 December 2024 (1 year old)
Registered office
Fairfield House 14a Station Road, Castle Bytham, Grantham, NG33 4SB, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Adam Derek Cuthbert Director Mar 1980 12 Dec 2024 7 other companies
Katie Jayne Cuthbert Director Mar 1981 24 Oct 2025 None

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 companies
7
closed down
1
are FCA-registered
2

In the full report: all 7 companies, 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 2 on the FCA register
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

−£3,211

No earlier figure to compare

Employees (average)

2

No earlier figure to compare

Owed within a year

£20.8k

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £3,211 more than it owned.

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 16132523. 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

Kato Wealth Planning’s history from the FCA register and Companies House, newest first.

2025

24 October 2025

  • Katie Jayne Cuthbert became a part-owner (25–50% of shares)
  • Katie Jayne Cuthbert appointed as a director

Companies House

16 February 2025

  • Became an appointed representative

FCA register

2024

12 December 2024

  • Incorporated at Companies House
  • Adam Derek Cuthbert took control (75–100% of shares)
  • Adam Derek Cuthbert appointed as a director

Companies House

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

Firms connected to Kato Wealth Planning

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

past links
2

In the full report: all 0 connected firms, named

  • 2 past links through former directors
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Firms like Kato Wealth Planning

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

In Grantham

BMA Bristol LimitedGranthamAppointed representativeFifteen Financial Planning LtdGranthamAppointed representativeKeith HargravesGranthamAppointed representativeRetireInvest LimitedGranthamAppointed representativeRichard BowyerGranthamAppointed representativeSarah Rose Wealth Management LtdGranthamAppointed 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 Kato Wealth Planning

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 7 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is Kato Wealth Planning Ltd FCA authorised?
Kato Wealth Planning Ltd (FRN 1026516) 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 Kato Wealth 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. Kato Wealth Planning Ltd (FRN 1026516) is an AR of ValidPath Limited (FRN 197107). When you use Kato Wealth Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Kato Wealth 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 Kato Wealth Planning’s phone number?
The FCA register lists the phone number 07974 256253 for Kato Wealth Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Kato Wealth Planning a scam or clone?
Kato Wealth 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 Kato Wealth Planning?
Protection works through ValidPath Limited, the principal firm responsible for Kato Wealth Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Kato Wealth Planning?
Companies House lists 2 people with significant control of Kato Wealth Planning: Mr Adam Derek Cuthbert (75–100% of shares) and Mrs Katie Jayne Cuthbert (25–50% of shares).
Who runs Kato Wealth Planning?
Companies House lists 2 directors of Kato Wealth Planning: Adam Derek Cuthbert and Katie Jayne Cuthbert.
How long has Kato Wealth Planning been in business?
The company was formed on 12 December 2024.
What do Kato Wealth Planning’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£3,211 (no earlier figure to compare).

Sources and links

The full report on Kato Wealth Planning Ltd

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