Knee Financial Planning Ltd

Reference number: 1006852

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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.
  • Knee Financial Planning Ltd (FRN 1006852) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Knee Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Knee 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 kneefinancialplanning.co.uk first appeared online, and whether it can receive email
  • What kind of line 07811 169286 is
  • Who else gives the postcode BA2 4JT
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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
15274812
Company status
Active
Company type
Private limited company
Incorporated
10 November 2023 (2 years old)
Registered office
24 High Street, Chipping Sodbury, Bristol, BS37 6AH, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jonathan Peter Knee Director May 1978 10 Nov 2023 6 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
6
still active
6

In the full report: all 6 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
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£2,489

Up £2,389 from £100

Cash at bank

£6,800

No earlier figure to compare

Employees (average)

1

No earlier figure to compare

Owed within a year

£43.7k

No earlier figure to compare

Net assets

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 15274812. 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

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

2023

16 December 2023

  • Became an appointed representative
  • Began trading as "Knee Financial Planning"

FCA register

10 November 2023

  • Incorporated at Companies House
  • Jonathan Peter Knee took control (75–100% of shares)
  • Jonathan Peter Knee appointed as a director

Companies House

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

Firms connected to Knee Financial Planning

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Knee Financial Planning

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

In Bath

Accord International Planning LtdBathAppointed representativeAlpha House Wealth Management LimitedBathAppointed representativeBarlow & Bartlett Wealth ManagementBathAppointed representativeBath & West Wealth Management LtdBathAppointed representativeCooper Knowles LimitedBathAppointed representativeIan Gray & Associates LtdBathAppointed 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 Knee Financial Planning

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 5 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Knee Financial Planning Ltd FCA authorised?
Knee Financial Planning Ltd (FRN 1006852) 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 Knee 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. Knee Financial Planning Ltd (FRN 1006852) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Knee Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Knee 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 Knee Financial Planning’s phone number and website?
The FCA register lists the phone number 07811 169286 and the website kneefinancialplanning.co.uk for Knee Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Knee Financial Planning a scam or clone?
Knee 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 Knee Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Knee Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Knee Financial Planning?
Companies House lists one person with significant control of Knee Financial Planning: Mr Jonathan Peter Knee (75–100% of shares).
Who runs Knee Financial Planning?
Companies House lists one director of Knee Financial Planning: Jonathan Peter Knee.
How long has Knee Financial Planning been in business?
The company was formed on 10 November 2023.
What do Knee Financial Planning’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £2,489 (up £2,389 from £100) and cash at bank of £6,800 (no earlier figure to compare).

Sources and links

The full report on Knee Financial Planning Ltd

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