Lodestone Financial Planning Ltd

Reference number: 766710

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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

Openwork Limited Reference number: 408285 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.
  • Lodestone Financial Planning Ltd (FRN 766710) is an AR of Openwork Limited (FRN 408285). When you use Lodestone Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lodestone 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, 1 thing worth a closer look

  • When lodestone.financial first appeared online, and whether it can receive email
  • What kind of line 07505 812215 is
  • Who else gives the postcode BN21 2RB
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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
07993769
Company status
Active
Company type
Private limited company
Incorporated
16 March 2012 (14 years old)
Registered office
32 Framfield Way, Eastbourne, BN21 2RB, England
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Gareth James Evans Director Jul 1983 16 Mar 2012 None
Victoria Ann Evans Secretary Not published 16 Mar 2012 –

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 31 March 2025Micro-entity accountsNot audited

Net assets

£1,381

−13% from £1,590

Employees (average)

4

−33% from 6

Owed within a year

£11.0k

−19% from £13.6k

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
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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 07993769. 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

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

2016

8 December 2016

  • Became an appointed representative

FCA register

6 April 2016

  • Gareth James Evans took control (75–100% of shares)
  • Victoria Ann Evans gained significant control

Companies House

2012

16 March 2012

  • Incorporated at Companies House
  • Gareth James Evans appointed as a director

Companies House

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

Firms like Lodestone Financial Planning

Other firms of the same type (insurance broker), nearest first.

In the Brighton (BN) postcode area

INTO University Partnerships LimitedBrightonAppointed representativeChris Nash Health LtdHoveAppointed representativeDJW Health LtdLewesAppointed representativeLJW Health LTDLewesAppointed representative1783 LimitedWorthingAppointed representativeAlcina Associates LTDHoveAppointed 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 Lodestone 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, 1 flagged
  • 6 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Lodestone Financial Planning Ltd FCA authorised?
Lodestone Financial Planning Ltd (FRN 766710) 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 Lodestone 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. Lodestone Financial Planning Ltd (FRN 766710) is an AR of Openwork Limited (FRN 408285). When you use Lodestone Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lodestone 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 Lodestone Financial Planning’s phone number and website?
The FCA register lists the phone number 07505 812215 and the website lodestone.financial for Lodestone Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Lodestone Financial Planning a scam or clone?
Lodestone 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 Lodestone Financial Planning?
Protection works through Openwork Limited, the principal firm responsible for Lodestone Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lodestone Financial Planning?
Companies House lists 2 people with significant control of Lodestone Financial Planning: Mr Gareth James Evans (75–100% of shares) and Mrs Victoria Ann Evans (significant influence or control).
Who runs Lodestone Financial Planning?
Companies House lists one director of Lodestone Financial Planning: Gareth James Evans.
How long has Lodestone Financial Planning been in business?
The company was formed on 16 March 2012.
What do Lodestone Financial Planning’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £1,381 (−13% from £1,590).

Sources and links

The full report on Lodestone Financial Planning Ltd

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