Simplicity Financial Planning Ltd

Reference number: 916887

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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.
  • Simplicity Financial Planning Ltd (FRN 916887) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Simplicity Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Simplicity 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 simplicityfp.co.uk first appeared online, and whether it can receive email
  • What kind of line 01908 107270 is
  • Who else gives the postcode MK6 3BW
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Other names (1)

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

  • Simplicity Trading 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
11956397
Company status
Active
Company type
Private limited company
Incorporated
20 April 2019 (7 years old)
Registered office
1 Turpyn Court, Woughton On The Green, Milton Keynes, MK6 3BW, England
Nature of business
  • Activities of financial services holding companies (SIC 64205)
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Administration of financial markets (SIC 66110)
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Samantha Bradford Director Nov 1973 20 Apr 2019 2 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
2
closed down
1
still active
1

In the full report: all 2 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 2025Micro-entity accountsNot audited

Total equity

£46.0k

+340% from £10.5k

Employees (average)

4

Same as 4

Owed within a year

£231k

+163% from £87.8k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 11956397. 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

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

2021

16 March 2021

  • Began trading as "Simplicity"

FCA register

2019

15 November 2019

  • Became an appointed representative

FCA register

20 April 2019

  • Incorporated at Companies House
  • Samantha Bradford took control (75–100% of shares)
  • Samantha Bradford appointed as a director

Companies House

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

Firms like Simplicity Financial Planning

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

In Milton Keynes

Ace Accounts & Tax LimitedMilton KeynesAppointed representativeActive Financial LtdMilton KeynesAppointed representativeAd Valorem Wealth Management Services LimitedMilton KeynesAppointed representativeAVS Financial Services LimitedMilton KeynesAppointed representativeCharlotte WaltersMilton KeynesAppointed representativeCollective Financial Planning LimitedMilton KeynesAppointed 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 Simplicity Financial Planning

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Simplicity Financial Planning Ltd FCA authorised?
Simplicity Financial Planning Ltd (FRN 916887) 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 Simplicity 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. Simplicity Financial Planning Ltd (FRN 916887) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Simplicity Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Simplicity 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 Simplicity Financial Planning’s phone number and website?
The FCA register lists the phone number 01908 107270 and the website simplicityfp.co.uk for Simplicity Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Simplicity Financial Planning a scam or clone?
Simplicity 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 Simplicity Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Simplicity Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Simplicity Financial Planning?
Companies House lists one person with significant control of Simplicity Financial Planning: Mrs Samantha Bradford (75–100% of shares).
Who runs Simplicity Financial Planning?
Companies House lists one director of Simplicity Financial Planning: Samantha Bradford.
How long has Simplicity Financial Planning been in business?
The company was formed on 20 April 2019.
What do Simplicity Financial Planning’s latest accounts show?
Its latest accounts, to 30 April 2025, show total equity of £46.0k (+340% from £10.5k).
Does Simplicity Financial Planning use any other names?
It trades as Simplicity.

Sources and links

The full report on Simplicity Financial Planning Ltd

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