Prosperity Financial Services Ltd

Reference number: 400448

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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

Openwork Limited Reference number: 408285 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.
  • Prosperity Financial Services Ltd (FRN 400448) is an AR of Openwork Limited (FRN 408285). When you use Prosperity Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Prosperity Financial Services, 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 prosperityfs.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 389 9129 is
  • Who else gives the postcode RG7 8NN
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Other names (12)

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

  • Prosperity Wealth Management Trading name
  • Wise Mortgages Trading name
  • Cliff Gray Former name
  • Colin Read & Co Former trading name
  • Granard Financial Services Former trading name
  • Open Market Solutions Former trading name
  • Prosperity Former trading name
  • Prosperity Estate Planning Services Former trading name
  • Prosperity Financial Consultancy Former trading name
  • Prosperity Financial Management Former trading name
  • The Banbury Mortgage Shop Former trading name
  • Wise Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Openwork 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
05322210
Company status
Active
Company type
Private limited company
Incorporated
30 December 2004 (21 years old)
Registered office
2 Jupiter House, Cavella Park, Aldermaston, Berkshire, RG7 8NN, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Clifford Stanley Gray Director Nov 1960 30 Dec 2004 6 other companies
Christopher Neil Mison Director Nov 1965 1 Apr 2008 3 other companies
Jacqueline Mison Secretary Not published 31 Mar 2026 –

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
8
closed down
4
run together
1

In the full report: all 8 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 1 company these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£1.33m

−37% from £2.13m

Cash at bank

£588k

−4.7% from £617k

Employees (average)

9

−18% from 11

Owed within a year

£437k

+5% from £416k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 05322210. 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

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

Key events (10) All events (37)

2025

12 November 2025

  • Clifford Stanley Gray stopped being a part-owner
  • The Williams Gray Investment Company Ltd became a part-owner (25–50% of shares)

Companies House

2021

23 February 2021

  • Jacqueline Mison gained significant control

Companies House

2019

31 March 2019

  • Christopher Neil Mison became a part-owner (25–50% of shares)

Companies House

2017

31 March 2017

  • Nicola Allen Williams - Gray stopped being a part-owner

Companies House

2016

6 April 2016

  • Clifford Stanley Gray became a part-owner (25–50% of shares)
  • Nicola Allen Williams - Gray became a part-owner (25–50% of shares)

Companies House

2005

8 April 2005

  • Changed its registered name from "Cliff Gray"

FCA register

2004

30 December 2004

  • Incorporated at Companies House

Companies House

27 April 2004

  • Became an appointed representative

FCA register

In the full report: all 37 events

  • All 37 events in its history (10 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Prosperity Financial Services

Other FCA-listed firms that share a director, phone number or address with Prosperity Financial Services. 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 Prosperity Financial Services

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

In Reading

Alastair Frith Wealth Management (IFA) LimitedReadingAppointed representativeAndrew Edward DellReadingAppointed representativeBarrett Wealth LLPReadingAppointed representativeBenedict Charles Financial Planning LtdReadingAppointed representativeClear View Financial Services LimitedReadingAppointed representativeGoodall-Smith Wealth Management LimitedReadingAppointed 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 Prosperity Financial Services

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 37 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Prosperity Financial Services Ltd FCA authorised?
Prosperity Financial Services Ltd (FRN 400448) 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 Prosperity Financial Services?
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. Prosperity Financial Services Ltd (FRN 400448) is an AR of Openwork Limited (FRN 408285). When you use Prosperity Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Prosperity Financial Services, 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 Prosperity Financial Services’ phone number and website?
The FCA register lists the phone number 0800 389 9129 and the website prosperityfs.co.uk for Prosperity Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Prosperity Financial Services a scam or clone?
Prosperity Financial Services 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 Prosperity Financial Services?
Protection works through Openwork Limited, the principal firm responsible for Prosperity Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Prosperity Financial Services?
Companies House lists 3 people with significant control of Prosperity Financial Services: The Williams Gray Investment Company Ltd (25–50% of shares), Mr Christopher Neil Mison (25–50% of shares) and Mrs Jacqueline Mison (significant influence or control). Before that, it was controlled by Mrs Nicola Allen Williams - Gray and Mr Clifford Stanley Gray.
Who runs Prosperity Financial Services?
Companies House lists 2 directors of Prosperity Financial Services: Clifford Stanley Gray and Christopher Neil Mison.
How long has Prosperity Financial Services been in business?
The company was formed on 30 December 2004.
What do Prosperity Financial Services’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £1.33m (−37% from £2.13m) and cash at bank of £588k (−4.7% from £617k).
Does Prosperity Financial Services use any other names?
It trades as Prosperity Wealth Management and Wise Mortgages. It has previously used 10 other names, including Cliff Gray, Colin Read & Co and Granard Financial Services.

Sources and links

The full report on Prosperity Financial Services Ltd

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