Laura Higginson Financial Planning Ltd

Reference number: 924347

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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.
  • Laura Higginson Financial Planning Ltd (FRN 924347) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Laura Higginson Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Laura Higginson 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 partnership.sjp.co.uk first appeared online, and whether it can receive email
  • What kind of line 07756 203140 is
  • Who else gives the postcode BL8 2PG
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Other names (2)

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

  • Laura Higginson Former name
  • Laura Taylor Former 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
14261109
Company status
Active
Company type
Private limited company
Incorporated
28 July 2022 (4 years old)
Registered office
4 Ormerod Street, Rawtenstall, Rossendale, BB4 8EB, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Laura Higginson Director Jan 1989 28 Jul 2022 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
  • Both people who have been directors, with their dates
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Filed accounts and finances

Year to 31 July 2026Micro-entity accountsNot audited

Net assets

£2,723

+121% from £1,230

Employees (average)

2

Same as 2

Owed within a year

£4,998

<1% from £4,990

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2023 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 14261109. 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

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

Key events (7) All events (11)

2024

1 April 2024

  • Michael Hignett stopped being a part-owner

Companies House

2022

27 November 2022

  • Changed its registered name from "Laura Higginson"

FCA register

28 July 2022

  • Incorporated at Companies House
  • Laura Higginson became the majority owner (50–75% of shares)
  • Michael Hignett became a part-owner (25–50% of shares)

Companies House

2020

9 June 2020

  • Changed its registered name from "Laura Taylor"

FCA register

13 April 2020

  • Became an appointed representative

FCA register

In the full report: all 11 events

  • All 11 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms like Laura Higginson Financial Planning

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

In Bury

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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 Laura Higginson 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
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is Laura Higginson Financial Planning Ltd FCA authorised?
Laura Higginson Financial Planning Ltd (FRN 924347) 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 Laura Higginson 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. Laura Higginson Financial Planning Ltd (FRN 924347) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Laura Higginson Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Laura Higginson 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 Laura Higginson Financial Planning’s phone number and website?
The FCA register lists the phone number 07756 203140 and the website partnership.sjp.co.uk/partner/laurahigginson for Laura Higginson Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Laura Higginson Financial Planning a scam or clone?
Laura Higginson 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 Laura Higginson Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Laura Higginson Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Laura Higginson Financial Planning?
Companies House lists one person with significant control of Laura Higginson Financial Planning: Miss Laura Higginson (50–75% of shares). Before that, it was controlled by Mr Michael Hignett.
Who runs Laura Higginson Financial Planning?
Companies House lists one director of Laura Higginson Financial Planning: Laura Higginson.
How long has Laura Higginson Financial Planning been in business?
The company was formed on 28 July 2022.
What do Laura Higginson Financial Planning’s latest accounts show?
Its latest accounts, to 31 July 2026, show net assets of £2,723 (+121% from £1,230).
Does Laura Higginson Financial Planning use any other names?
It has previously used 2 other names: Laura Higginson and Laura Taylor.

Sources and links

The full report on Laura Higginson Financial Planning Ltd

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