Sandford Financial Planning Limited

Reference number: 587716

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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.
  • Sandford Financial Planning Limited (FRN 587716) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Sandford Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Sandford 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 andrewsandford.co.uk first appeared online, and whether it can receive email
  • What kind of line 01359 256033 is
  • Who else gives the postcode IP31 1DX
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Other names (1)

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

  • Andrew Sandford 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
10582316
Company status
Active
Company type
Private limited company
Incorporated
25 January 2017 (9 years old)
Registered office
23 Millfield Road, Barningham, Bury St. Edmunds, Suffolk, IP31 1DX, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew David Sandford Director Dec 1969 25 Jan 2017 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Net assets

£181k

Up £173k from £7,731

Owed within a year

£181k

−8.9% from £199k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2021 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 10582316. 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

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

2019

19 March 2019

  • Tracey Jane Sandford became a part-owner (25–50% of shares)

Companies House

2017

23 February 2017

  • Changed its registered name from "Andrew Sandford"

FCA register

25 January 2017

  • Incorporated at Companies House
  • Andrew David Sandford became a part-owner (25–50% of shares)
  • Andrew David Sandford appointed as a director

Companies House

2012

7 September 2012

  • Became an appointed representative

FCA register

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

Firms like Sandford Financial Planning

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

In Bury St. Edmunds

Chandler House Financial Planning LtdBury St. EdmundsAppointed representativeChristopher Lloyd Financial Planning LtdBury St. EdmundsAppointed representativeDean J. Last Wealth Management LtdBury St. EdmundsAppointed representativeFairfield Money LimitedBury St. EdmundsAppointed representativeFinPlanPro LTDBury St. EdmundsAppointed representativeForte Wealth Partners LimitedBury St. EdmundsAppointed 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 Sandford Financial Planning

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 6 events in its history

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Frequently asked questions about this firm

Is Sandford Financial Planning Limited FCA authorised?
Sandford Financial Planning Limited (FRN 587716) 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 Sandford 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. Sandford Financial Planning Limited (FRN 587716) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Sandford Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Sandford 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 Sandford Financial Planning’s phone number and website?
The FCA register lists the phone number 01359 256033 and the website andrewsandford.co.uk for Sandford Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Sandford Financial Planning a scam or clone?
Sandford 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 Sandford Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Sandford Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Sandford Financial Planning?
Companies House lists 2 people with significant control of Sandford Financial Planning: Mrs Tracey Jane Sandford (25–50% of shares) and Mr Andrew David Sandford (25–50% of shares).
Who runs Sandford Financial Planning?
Companies House lists one director of Sandford Financial Planning: Andrew David Sandford.
How long has Sandford Financial Planning been in business?
The company was formed on 25 January 2017.
What do Sandford Financial Planning’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £181k (up £173k from £7,731).
Does Sandford Financial Planning use any other names?
It has previously used the name Andrew Sandford.

Sources and links

The full report on Sandford Financial Planning Limited

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