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 15 years
- Protected through the principal
- No FCA actions
- Active company since 2011
- Accounts filed up to 31 March 2026
Responsible principal firm
Vision Independent Financial Planning Ltd Reference number: 487395 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.
- SJW FINANCIAL PLANNING LTD (FRN 550575) is an AR of Vision Independent Financial Planning Ltd (FRN 487395). When you use SJW FINANCIAL PLANNING's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from SJW 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.
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No website on the FCA register
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Phone number
-
Address
125 Cheltenham Road, Gloucester, Gloucestershire, GL2 0JQ, United Kingdom
In the full report: 2 background checks
- What kind of line 07970 899845 is, and the other firm that gives it
- Who else gives the postcode GL2 0JQ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Vision Independent Financial Planning Ltd, 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 number
- 07577018 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 March 2011 (15 years old)
- Registered office
- 125 Cheltenham Road, Gloucester, Gloucestershire, GL2 0JQ, England
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Simon John Wathen | Director | May 1973 | 24 Mar 2011 | 4 other companies |
| Salina Onnika Wathen | Director | Aug 1978 | 24 May 2020 | None |
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
- 1
- is FCA-registered
- 1
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
- The one on the FCA register
Filed accounts and finances
Net assets
£434k
+11% from £389k
Cash at bank
£463k
+27% from £364k
Owed within a year
£38.7k
+388% from £7,937
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- 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 07577018. 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
Sjw Financial Planning’s history from the FCA register and Companies House, newest first.
2020
24 May 2020
- Salina Onnika Wathen appointed as a director
Companies House
2016
6 April 2016
- Simon John Wathen took control (75–100% of shares)
Companies House
2011
11 May 2011
- Became an appointed representative
FCA register
24 March 2011
- Incorporated at Companies House
- Simon John Wathen appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Sjw Financial Planning
Other FCA-listed firms that share a director, phone number or address with Sjw Financial Planning. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Sjw Financial Planning
Other firms of the same type (financial adviser), nearest first.
In Gloucester
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 Sjw Financial Planning
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
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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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