Prudent Financial Planning Advice Ltd
Reference number: 437801
Instant download
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.
- Appointed for 21 years
- Protected through the principal
- No FCA actions
- Active company since 2005
- Accounts filed up to 31 December 2025
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 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.
- Prudent Financial Planning Advice Ltd (FRN 437801) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Prudent Financial Planning Advice's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Prudent Financial Planning Advice, 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.
-
Phone number
-
Address
15 Dalton Square, Lancaster, Lancashire, LA1 1PL, United Kingdom
In the full report: 3 background checks
- When prudentfpa.co.uk first appeared online, and whether it can receive email
- What kind of line 01524 849955 is
- Who else gives the postcode LA1 1PL
Other names (3)
If you were contacted under any of these names, it is this firm.
- Prudent FPA Trading name: A name it trades under now.
- Prudent FPA Chartered Financial Planners Trading name: A name it trades under now.
- Prudent FPA Financial Planning & Wealth Management Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through St. James's Place Wealth Management PLC, 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, freeYou 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
- PRUDENT FINANCIAL PLANNING ADVICE LIMITED
- Company number
- 05417552 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 7 April 2005 (21 years old)
- Registered office
- Dalton House, 9 Dalton Square, Lancaster, LA1 1WD
- Nature of business
-
- Life insurance (SIC 65110)
- Life reinsurance (SIC 65201)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| James Barry Booth | Director | Dec 1970 | 21 Jun 2005 | 3 other companies |
| Victoria Jane Booth | Director | Jan 1983 | 6 Oct 2023 | 1 other company |
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
- 4
- closed down
- 2
- still active
- 2
In the full report: all 4 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
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£165k
+204% from £54.2k
Cash at bank
£35.6k
Up £34.4k from £1,187
Owed within a year
£287k
−29% from £402k
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
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 05417552. 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
Prudent Financial Planning Advice’s history from the FCA register and Companies House, newest first.
2026
23 April 2026
- James Barry Booth stopped being the majority owner
- Jvb25 Ltd took control (75–100% of shares)
- Victoria Jane Booth stopped being a part-owner
Companies House
2025
28 August 2025
- Victoria Jane Booth became a part-owner (25–50% of shares)
Companies House
2016
6 April 2016
- James Barry Booth became the majority owner (50–75% of shares)
Companies House
2005
17 August 2005
- Became an appointed representative
FCA register
7 April 2005
- Incorporated at Companies House
Companies House
In the full report: all 15 events
- All 15 events in its history (7 shown here)
- Every director appointment and resignation: 4
Firms like Prudent Financial Planning Advice
Other firms of the same type (financial adviser), nearest first.
In Lancaster
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 Prudent Financial Planning Advice
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 4 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 15 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Prudent Financial Planning Advice Ltd FCA authorised?
What does appointed representative mean for Prudent Financial Planning Advice?
What is Prudent Financial Planning Advice’s phone number and website?
Is Prudent Financial Planning Advice a scam or clone?
Is my money safe with Prudent Financial Planning Advice?
Who owns Prudent Financial Planning Advice?
Who runs Prudent Financial Planning Advice?
How long has Prudent Financial Planning Advice been in business?
What do Prudent Financial Planning Advice’s latest accounts show?
Does Prudent Financial Planning Advice use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk