Next Step Financial Planning Ltd

Reference number: 1059535

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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

Corbel Partners Limited Reference number: 429142 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.
  • Next Step Financial Planning Ltd (FRN 1059535) is an AR of Corbel Partners Limited (FRN 429142). When you use Next Step Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Next Step 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 nextstepfp.co.uk first appeared online, and whether it can receive email
  • What kind of line 07713 490312 is
  • Who else gives the postcode WA1 1GG
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Corbel Partners 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
17307784
Company status
Active
Company type
Private limited company
Incorporated
29 June 2026 (less than a year old)
Registered office
3rd Floor Granite Building, 6 Stanley Street, Liverpool, L1 6AF, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Steven O'Neill Director Mar 1990 29 Jun 2026 None
Lydia Karyn Rose Taft Director Mar 1995 29 Jun 2026 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Key dates in its history

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

2026

19 August 2026

  • Became an appointed representative

FCA register

29 June 2026

  • Incorporated at Companies House
  • Lydia Karyn Rose Taft became a part-owner (25–50% of shares)
  • Michael Steven O'Neill became a part-owner (25–50% of shares)
  • Lydia Karyn Rose Taft appointed as a director
  • Michael Steven O'neill appointed as a director

Companies House

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

Firms like Next Step Financial Planning

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

In Warrington

123-Wealth LtdWarringtonAppointed representativeBright FS LimitedWarringtonAppointed representativeCheshire Wealth Partnership LimitedWarringtonAppointed representativeClearview Wealth Planning LimitedWarringtonAppointed representativeDJB Wealth Management LtdWarringtonAppointed representativeEfinity Wealth LimitedWarringtonAppointed 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 Next Step 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
  • All 6 events in its history

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Frequently asked questions about this firm

Is Next Step Financial Planning Ltd FCA authorised?
Next Step Financial Planning Ltd (FRN 1059535) 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 Next Step 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. Next Step Financial Planning Ltd (FRN 1059535) is an AR of Corbel Partners Limited (FRN 429142). When you use Next Step Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Next Step 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 Next Step Financial Planning’s phone number and website?
The FCA register lists the phone number 07713 490312 and the website nextstepfp.co.uk for Next Step Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Next Step Financial Planning a scam or clone?
Next Step 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 Next Step Financial Planning?
Protection works through Corbel Partners Limited, the principal firm responsible for Next Step Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Next Step Financial Planning?
Companies House lists 2 people with significant control of Next Step Financial Planning: Miss Lydia Karyn Rose Taft (25–50% of shares) and Mr Michael Steven O'Neill (25–50% of shares).
Who runs Next Step Financial Planning?
Companies House lists 2 directors of Next Step Financial Planning: Michael Steven O'Neill and Lydia Karyn Rose Taft.
How long has Next Step Financial Planning been in business?
The company was formed on 29 June 2026.

Sources and links

The full report on Next Step Financial Planning Ltd

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