Plain Speaking Financial Planning Ltd

Reference number: 671389

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 plainspeakingifa.co.uk first appeared online, and whether it can receive email
  • What kind of line 01444 453787 is
  • Who else gives the postcode RH16 3HT
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Other names (1)

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

  • Plain Speaking Chartered Financial Planning Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (10 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
09359037
Company status
Active
Company type
Private limited company
Incorporated
17 December 2014 (11 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 Nicholas Stewart Tolhurst Director Dec 1962 17 Dec 2014 None

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 December 2025Abridged accountsNot audited

Net assets

£26.1k

+2.1% from £25.5k

Cash at bank

£75.6k

No earlier figure to compare

Employees (average)

1

Same as 1

Owed within a year

£49.5k

No earlier figure to compare

No turnover or profit for the year to 31 December 2025: the accounts print them but do not tag them. The last tagged figures are £116k turnover and £50.0k profit, for the year to 31 December 2023.

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.

Accounts filed at Companies House for company 09359037. 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

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

Key events (4) All events (10)

2016

6 April 2016

  • Philip Nicholas Stewart Tolhurst took control (75–100% of shares)

Companies House

2015

1 July 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2014

17 December 2014

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Plain Speaking Financial Planning

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

In Haywards Heath

Andrew DawbornHaywards HeathAuthorisedFisher Brown Financial Services LimitedHaywards HeathAuthorisedInvestwise Asset Management LimitedHaywards HeathAuthorisedMetis Wealth LtdHaywards HeathAuthorisedSimon CarterHaywards HeathAuthorisedAligned Wealth Financial Planning LtdHaywards HeathAppointed 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 Plain Speaking 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
  • 7 years of accounts, charted
  • All 10 events in its history

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Frequently asked questions about this firm

Is Plain Speaking Financial Planning Ltd FCA authorised?
Yes, Plain Speaking Financial Planning Ltd (FRN 671389) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2015 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Plain Speaking Financial Planning’s phone number and website?
The FCA register lists the phone number 01444 453787 and the website plainspeakingifa.co.uk for Plain Speaking Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Plain Speaking Financial Planning a scam or clone?
Plain Speaking 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 Plain Speaking Financial Planning?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Plain Speaking Financial Planning to the Financial Ombudsman Service, free of charge.
Who owns Plain Speaking Financial Planning?
Companies House lists one person with significant control of Plain Speaking Financial Planning: Mr Philip Nicholas Stewart Tolhurst (75–100% of shares).
Who runs Plain Speaking Financial Planning?
Companies House lists one director of Plain Speaking Financial Planning: Philip Nicholas Stewart Tolhurst.
How long has Plain Speaking Financial Planning been in business?
The company was formed on 17 December 2014, and has held its current FCA authorisation since July 2015.
What do Plain Speaking Financial Planning’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £26.1k (+2.1% from £25.5k) and cash at bank of £75.6k (no earlier figure to compare).
Does Plain Speaking Financial Planning use any other names?
It has previously used the name Plain Speaking Chartered Financial Planning.

Sources and links

The full report on Plain Speaking Financial Planning Ltd

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