Miller Financial Planning Ltd

Reference number: 716791

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Miller Financial Planning Ltd (FRN 716791) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Miller Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Miller 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 millerfp.co.uk first appeared online, and whether it can receive email
  • What kind of line 01788 577775 is
  • Who else gives the postcode CV21 3QP
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
06752854
Company status
Active
Company type
Private limited company
Incorporated
19 November 2008 (17 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Philip William Miller Director Sep 1975 19 Nov 2008 1 other company
Kim Miller Secretary Not published 19 Nov 2008 –

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 company
1
still active
1

In the full report: all 1 company, 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 30 November 2025Micro-entity accountsNot audited

Net assets

£256k

+47% from £174k

Employees (average)

5

Same as 5

Owed within a year

£68.4k

+53% from £44.8k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 06752854. 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

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

2016

6 April 2016

  • Kim Miller became a part-owner (25–50% of shares)
  • Philip William Miller became a part-owner (25–50% of shares)

Companies House

2015

15 September 2015

  • Became an appointed representative

FCA register

2008

19 November 2008

  • Incorporated at Companies House
  • Philip William Miller appointed as a director

Companies House

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

Firms like Miller Financial Planning

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

In Rugby

Cygnus Financial Planning LtdRugbyAppointed representativeLifeline Protect LimitedRugbyAppointed representativeMidland Financial Planning LimitedRugbyAppointed representativePaul NuttallRugbyAppointed representativePKS Associates Financial Services LtdRugbyAppointed representativePrudent IFA's LimitedRugbyAppointed 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 Miller Financial Planning

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Miller Financial Planning Ltd FCA authorised?
Miller Financial Planning Ltd (FRN 716791) 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 Miller 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. Miller Financial Planning Ltd (FRN 716791) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Miller Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Miller 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 Miller Financial Planning’s phone number and website?
The FCA register lists the phone number 01788 577775 and the website millerfp.co.uk for Miller Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Miller Financial Planning a scam or clone?
Miller 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 Miller Financial Planning?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Miller Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Miller Financial Planning?
Companies House lists 2 people with significant control of Miller Financial Planning: Mrs Kim Miller (25–50% of shares) and Mr Philip William Miller (25–50% of shares).
Who runs Miller Financial Planning?
Companies House lists one director of Miller Financial Planning: Philip William Miller.
How long has Miller Financial Planning been in business?
The company was formed on 19 November 2008.
What do Miller Financial Planning’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £256k (+47% from £174k).

Sources and links

The full report on Miller Financial Planning Ltd

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