Lantern Financial Planning Ltd

Reference number: 919279

Instant download

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

2 Plan Wealth Management Limited Reference number: 461598 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.
  • Lantern Financial Planning Ltd (FRN 919279) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Lantern Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lantern 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

    07917 095564

  • Address

    Lantern Financial Planning Ltd, 31 Cattle Market Street, Norwich, Norfolk, NR1 3DY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07917 095564 is
  • Who else gives the postcode NR1 3DY
Instant PDF download

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through 2 Plan Wealth Management 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
12372493
Company status
Active
Company type
Private limited company
Incorporated
19 December 2019 (6 years old)
Registered office
Office, 31 Cattle Market Street, Norwich, Norfolk, NR1 3DY, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
James William Cushing Director Nov 1982 19 Dec 2019 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£126k

+52% from £83.1k

Cash at bank

£143k

+30% from £110k

Employees (average)

1

Same as 1

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 12372493. 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

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

2020

9 January 2020

  • Became an appointed representative

FCA register

2019

19 December 2019

  • Incorporated at Companies House
  • James William Cushing took control (75–100% of shares)
  • James William Cushing appointed as a director

Companies House

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

Firms connected to Lantern Financial Planning

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Lantern Financial Planning

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

In Norwich

Alan Boswell Employee Benefits LtdNorwichAppointed representativeAlan Cook Financial Services LimitedNorwichAppointed representativeAnderson Wealth Planning LimitedNorwichAppointed representativeAnglian Wealth ManagementNorwichAppointed representativeAnna KellettNorwichAppointed representativeBanks-Dunnell Wealth Management LimitedNorwichAppointed 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 Lantern 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
  • 6 years of accounts, charted
  • All 4 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Lantern Financial Planning Ltd FCA authorised?
Lantern Financial Planning Ltd (FRN 919279) 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 Lantern 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. Lantern Financial Planning Ltd (FRN 919279) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Lantern Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lantern 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 Lantern Financial Planning’s phone number?
The FCA register lists the phone number 07917 095564 for Lantern Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Lantern Financial Planning a scam or clone?
Lantern 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 Lantern Financial Planning?
Protection works through 2 Plan Wealth Management Limited, the principal firm responsible for Lantern Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lantern Financial Planning?
Companies House lists one person with significant control of Lantern Financial Planning: Mr James William Cushing (75–100% of shares).
Who runs Lantern Financial Planning?
Companies House lists one director of Lantern Financial Planning: James William Cushing.
How long has Lantern Financial Planning been in business?
The company was formed on 19 December 2019.
What do Lantern Financial Planning’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £126k (+52% from £83.1k) and cash at bank of £143k (+30% from £110k).

Sources and links

The full report on Lantern Financial Planning Ltd

£19.99 · Instant PDF download

Loading secure checkout…