Plan Financial Ltd

Reference number: 538651

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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.
  • Plan Financial Ltd (FRN 538651) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Plan Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Plan Financial, 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 planfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 0117 906 3431 is
  • Who else gives the postcode BS16 1EJ
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Other names (1)

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

  • Plan Financial Former name

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 name
PLAN FINANCIAL LIMITED
Company number
09378889
Company status
Active
Company type
Private limited company
Incorporated
8 January 2015 (11 years old)
Registered office
510 Bristol Business Park Coldharbour Lane, Bristol, BS16 1EJ, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Craig Matthew Raison Director Jan 1974 8 Jan 2015 None
Michelle Annette Raison Director Apr 1979 8 Jan 2015 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 30 June 2025Micro-entity accountsNot audited

Total equity

£6,107

−45% from £11.1k

Employees (average)

2

Same as 2

Owed within a year

£17.9k

+14% from £15.7k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 09378889. 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

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

Key events (5) All events (8)

2016

6 April 2016

  • Craig Matthew Raison became a part-owner (25–50% of shares)
  • Michelle Annette Raison became a part-owner (25–50% of shares)

Companies House

2015

8 May 2015

  • Changed its registered name from "Plan Financial"

FCA register

8 January 2015

  • Incorporated at Companies House

Companies House

2011

4 January 2011

  • Became an appointed representative

FCA register

In the full report: all 8 events

  • All 8 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Plan Financial

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Plan Financial

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

In Bristol

Aisa Retirement Planning LLPBristolAppointed representativeAlma Vale Wealth Management LimitedBristolAppointed representativeAndow Ellis LimitedBristolAppointed representativeAndrew LawrenceBristolAppointed representativeAndrew Paul ZbijowskiBristolAppointed representativeAnn ReederBristolAppointed 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 Plan Financial

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
  • 6 years of accounts, charted
  • All 8 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Plan Financial Ltd FCA authorised?
Plan Financial Ltd (FRN 538651) 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 Plan Financial?
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. Plan Financial Ltd (FRN 538651) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Plan Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Plan Financial, 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 Plan Financial’s phone number and website?
The FCA register lists the phone number 0117 906 3431 and the website planfinancial.co.uk for Plan Financial. If you were given different contact details, use these to check with the firm before going any further.
Is Plan Financial a scam or clone?
Plan Financial 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 Plan Financial?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Plan Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Plan Financial?
Companies House lists 2 people with significant control of Plan Financial: Mr Craig Matthew Raison (25–50% of shares) and Mrs Michelle Annette Raison (25–50% of shares).
Who runs Plan Financial?
Companies House lists 2 directors of Plan Financial: Craig Matthew Raison and Michelle Annette Raison.
How long has Plan Financial been in business?
The company was formed on 8 January 2015.
What do Plan Financial’s latest accounts show?
Its latest accounts, to 30 June 2025, show total equity of £6,107 (−45% from £11.1k).
Does Plan Financial use any other names?
It has previously used the name Plan Financial.

Sources and links

The full report on Plan Financial Ltd

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