Roseum Financial Planning Limited

Reference number: 1031279

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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.
  • Roseum Financial Planning Limited (FRN 1031279) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Roseum Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Roseum 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 roseumfinancialplanning.co.uk first appeared online, and whether it can receive email
  • What kind of line 07403 967367 is
  • Who else gives the postcode PA4 8NU
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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 number
SC766719
Company status
Active
Company type
Private limited company
Incorporated
20 April 2023 (3 years old)
Registered office
1e Blythswood Road, Renfrew, PA4 8NU, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Michaela Alana Pashley Director Oct 1988 20 Apr 2023 3 other companies

Other companies run by its director

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
3
closed down
1
still active
2

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 30 April 2026Micro-entity accountsNot audited

Net assets

£25.5k

+110% from £12.1k

Employees (average)

1

Same as 1

Owed within a year

£3,188

+12% from £2,845

Assets and liabilities

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 SC766719. 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

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

2025

30 March 2025

  • Became an appointed representative

FCA register

2023

20 April 2023

  • Incorporated at Companies House
  • Michaela Alana Pashley took control (75–100% of shares)
  • Michaela Alana Pashley appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Roseum Financial Planning

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

In Renfrew

George DiamondRenfrewAppointed representativeBrandane Financial Services LtdRenfrewAuthorisedJames Anderson Barr t/a Anderson Barr ConsultantsRenfrewAuthorised

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 Roseum Financial Planning

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Roseum Financial Planning Limited FCA authorised?
Roseum Financial Planning Limited (FRN 1031279) 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 Roseum 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. Roseum Financial Planning Limited (FRN 1031279) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Roseum Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Roseum 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 Roseum Financial Planning’s phone number and website?
The FCA register lists the phone number 07403 967367 and the website roseumfinancialplanning.co.uk for Roseum Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Roseum Financial Planning a scam or clone?
Roseum 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 Roseum Financial Planning?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Roseum Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Roseum Financial Planning?
Companies House lists one person with significant control of Roseum Financial Planning: Ms Michaela Alana Pashley (75–100% of shares).
Who runs Roseum Financial Planning?
Companies House lists one director of Roseum Financial Planning: Michaela Alana Pashley.
How long has Roseum Financial Planning been in business?
The company was formed on 20 April 2023.
What do Roseum Financial Planning’s latest accounts show?
Its latest accounts, to 30 April 2026, show net assets of £25.5k (+110% from £12.1k).

Sources and links

The full report on Roseum Financial Planning Limited

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