RM Financial Planning Ltd

Reference number: 402173

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • RM Financial Planning Ltd (FRN 402173) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use RM Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from RM 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 rmcfp.co.uk first appeared online, and whether it can receive email
  • What kind of line 028 9620 9700 is
  • Who else gives the postcode BT6 8GL
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Other names (3)

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

  • RM Chartered Financial Planners Trading name
  • R & M Consultancy Former name
  • R & M Consultancy Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection 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, 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
NI043184
Company status
Active
Company type
Private limited company
Incorporated
14 May 2002 (24 years old)
Registered office
340 Ravenhill Road, Belfast, BT6 8GL, Northern Ireland
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Martin Joseph Gunning Director Aug 1973 14 May 2002 1 other company
Richard William Pollock Director Dec 1970 14 May 2002 1 other company
Richard William Pollock Secretary Not published 14 May 2002 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 company
1
still active
1
run together
1

In the full report: all 1 company, 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 30 April 2025Abridged accountsNot audited

Net assets

£1.82m

+35% from £1.35m

Employees (average)

0

Same as 0

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company NI043184. 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

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

Key events (6) All events (11)

2020

23 July 2020

  • Changed its registered name from "R & M Consultancy Ltd"

FCA register

2016

1 July 2016

  • Martin Gunning became a part-owner (25–50% of shares)
  • Richard William Pollock became a part-owner (25–50% of shares)

Companies House

2004

26 November 2004

  • Changed its registered name from "R & M Consultancy"

FCA register

14 July 2004

  • Became an appointed representative

FCA register

2002

14 May 2002

  • Incorporated at Companies House

Companies House

In the full report: all 11 events

  • All 11 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms like RM Financial Planning

Other firms of the same type (insurance broker), nearest first.

In Belfast

Concept Apps LtdBelfastAppointed representativeAdrian LappinBelfastAppointed representativeBB7 Risk Advisory LimitedBelfastAppointed representativeBlutail Financial LimitedBelfastAppointed representativeBurke Financial Planning LtdBelfastAppointed representativeEmily ConlonBelfastAppointed 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 RM Financial Planning

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 11 events in its history

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Frequently asked questions about this firm

Is RM Financial Planning Ltd FCA authorised?
RM Financial Planning Ltd (FRN 402173) 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 RM 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. RM Financial Planning Ltd (FRN 402173) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use RM Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from RM 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 RM Financial Planning’s phone number and website?
The FCA register lists the phone number 028 9620 9700 and the website rmcfp.co.uk for RM Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is RM Financial Planning a scam or clone?
RM 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 RM Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for RM Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns RM Financial Planning?
Companies House lists 2 people with significant control of RM Financial Planning: Mr Martin Gunning (25–50% of shares) and Mr Richard William Pollock (25–50% of shares).
Who runs RM Financial Planning?
Companies House lists 2 directors of RM Financial Planning: Martin Joseph Gunning and Richard William Pollock.
How long has RM Financial Planning been in business?
The company was formed on 14 May 2002.
What do RM Financial Planning’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £1.82m (+35% from £1.35m).
Does RM Financial Planning use any other names?
It trades as RM Chartered Financial Planners. It has previously used 2 other names: R & M Consultancy and R & M Consultancy Ltd.

Sources and links

The full report on RM Financial Planning Ltd

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