Masters Financial Planning Ltd

Reference number: 483946

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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.
  • Masters Financial Planning Ltd (FRN 483946) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Masters Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Masters 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 mastersfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01494 770305 is
  • Who else gives the postcode HP5 1EP
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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
06247962
Company status
Active
Company type
Private limited company
Incorporated
15 May 2007 (19 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Caroline Ann Hogg Masters Director Mar 1968 15 May 2007 None
Jonathan David Masters Director Dec 1970 15 May 2007 None
Jonathan David Masters Secretary Not published 15 May 2007 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 July 2026Micro-entity accountsNot audited

Net assets

£83.8k

−57% from £196k

Employees (average)

2

Same as 2

Owed within a year

£6,803

−91% from £73.7k

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2019 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 06247962. 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

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

2016

6 April 2016

  • Caroline Ann Hogg Masters became a part-owner (25–50% of shares)
  • Jonathan David Masters became the majority owner (50–75% of shares)

Companies House

2008

1 June 2008

  • Became an appointed representative

FCA register

2007

15 May 2007

  • Incorporated at Companies House
  • Caroline Ann Hogg Masters appointed as a director
  • Jonathan David Masters appointed as a director

Companies House

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

Firms like Masters Financial Planning

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

In Chesham

Chalfont Financial Planning LimitedCheshamAuthorisedCripps Financial Planning LimitedCheshamAuthorised

In the Hemel Hempstead (HP) postcode area

Afm Management LimitedBeaconsfieldAppointed representativeAG JM CoomerChalfont St. GilesAppointed representativeAlexis TanoBeaconsfieldAppointed representativeAndrew WatsonNaphillAppointed 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 Masters 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
  • 8 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Masters Financial Planning Ltd FCA authorised?
Masters Financial Planning Ltd (FRN 483946) 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 Masters 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. Masters Financial Planning Ltd (FRN 483946) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Masters Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Masters 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 Masters Financial Planning’s phone number and website?
The FCA register lists the phone number 01494 770305 and the website mastersfinancial.co.uk for Masters Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Masters Financial Planning a scam or clone?
Masters 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 Masters Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Masters Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Masters Financial Planning?
Companies House lists 2 people with significant control of Masters Financial Planning: Mr Jonathan David Masters (50–75% of shares) and Mrs Caroline Ann Hogg Masters (25–50% of shares).
Who runs Masters Financial Planning?
Companies House lists 2 directors of Masters Financial Planning: Caroline Ann Hogg Masters and Jonathan David Masters.
How long has Masters Financial Planning been in business?
The company was formed on 15 May 2007.
What do Masters Financial Planning’s latest accounts show?
Its latest accounts, to 31 July 2026, show net assets of £83.8k (−57% from £196k).

Sources and links

The full report on Masters Financial Planning Ltd

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