Paragon Financial Planning Ltd

Reference number: 419269

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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

Courtiers Investment Services Limited Reference number: 124995 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.
  • Paragon Financial Planning Ltd (FRN 419269) is an AR of Courtiers Investment Services Limited (FRN 124995). When you use Paragon Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Paragon 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 courtiers.co.uk first appeared online, and whether it can receive email
  • What kind of line 01491 578368 is, and the 2 other firms that give it
  • Who else gives the postcode RG9 2AU
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Other names (2)

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

  • Paragon Trading name
  • Paragon Independent Financial Solutions Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Courtiers Investment 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
04930866
Company status
Active
Company type
Private limited company
Incorporated
14 October 2003 (23 years old)
Registered office
18 Hart Street, Henley-On-Thames, RG9 2AU, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
James Stewart Shepperd Director Feb 1966 9 Jun 2021 None
Gary Derek Reynolds Director May 1957 9 Jun 2021 19 other companies

Other companies run by these 2 directors

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 companies
19
closed down
3
are FCA-registered
6

In the full report: all 19 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 6 on the FCA register
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsAudited

Turnover

£241

Not compared: the previous accounts cover a different length of time

Profit before tax

−£1,984

Not compared: the previous accounts cover a different length of time

Net assets

£14.9k

−9.7% from £16.5k

Cash at bank

£14.1k

No earlier figure to compare

The previous accounts cover 18 months, so turnover and profit are not compared with them.

Assets and liabilities

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.

Accounts filed at Companies House for company 04930866. 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

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

Key events (9) All events (16)

2021

9 June 2021

  • Board replaced: both directors left and 2 new directors took over
  • Barry Stanley stopped being a part-owner
  • Courtiers Group Holdings Limited took control (75–100% of shares)
  • Minesh Parmar stopped being a part-owner

Companies House

2018

2 May 2018

  • Changed its registered name from "Paragon Independent Financial Solutions Ltd"

FCA register

2016

6 April 2016

  • Barry Stanley became a part-owner (25–50% of shares)
  • Minesh Parmar became a part-owner (25–50% of shares)

Companies House

2004

29 December 2004

  • Became an appointed representative

FCA register

2003

14 October 2003

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (9 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Paragon Financial Planning

Other FCA-listed firms that share a director, phone number or address with Paragon Financial Planning. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
5
share a director
5
share its phone number
2

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (5), the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Paragon Financial Planning

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

In Henley-on-Thames

Apperley Wealth Management LimitedHenley-on-ThamesAppointed representativeBurroughs Financial LtdHenley-on-ThamesAppointed representativeFairmile Financial Planning LtdHenley-On-ThamesAppointed representativeInSight Wealth Management LimitedHenley-On-ThamesAppointed representativeWill CuthbertHenley-on-ThamesAppointed representativeOceanwide LimitedHenley-On-ThamesAppointed 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 Paragon Financial Planning

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

  • 19 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 16 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Paragon Financial Planning Ltd FCA authorised?
Paragon Financial Planning Ltd (FRN 419269) 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 Paragon 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. Paragon Financial Planning Ltd (FRN 419269) is an AR of Courtiers Investment Services Limited (FRN 124995). When you use Paragon Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Paragon 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 Paragon Financial Planning’s phone number and website?
The FCA register lists the phone number 01491 578368 and the website courtiers.co.uk for Paragon Financial Planning. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Paragon Financial Planning a scam or clone?
Paragon 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 Paragon Financial Planning?
Protection works through Courtiers Investment Services Limited, the principal firm responsible for Paragon Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Paragon Financial Planning?
Paragon Financial Planning is owned by Courtiers Group Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 9 June 2021. Before that, it was controlled by Dr Barry Stanley and Mr Minesh Parmar.
Who runs Paragon Financial Planning?
Companies House lists 2 directors of Paragon Financial Planning: James Stewart Shepperd and Gary Derek Reynolds.
How long has Paragon Financial Planning been in business?
The company was formed on 14 October 2003.
What do Paragon Financial Planning’s latest accounts show?
Its latest accounts, to 31 March 2025, show turnover of £241 (not compared: the previous accounts cover a different length of time) and profit before tax of −£1,984 (not compared: the previous accounts cover a different length of time).
Does Paragon Financial Planning use any other names?
It trades as Paragon. It has previously used the name Paragon Independent Financial Solutions Ltd.

Sources and links

The full report on Paragon Financial Planning Ltd

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