SMJ Financial Planning LTD

Reference number: 927260

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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

M&G ADVICE PARTNERS LIMITED Reference number: 584256 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.
  • SMJ Financial Planning LTD (FRN 927260) is an AR of M&G ADVICE PARTNERS LIMITED (FRN 584256). When you use SMJ Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SMJ 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 mandgwealth.com first appeared online, and whether it can receive email
  • What kind of line 07824 343438 is
  • Who else gives the postcode M24 4BG
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through M&g Advice Partners 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
12584644
Company status
Active
Company type
Private limited company
Incorporated
4 May 2020 (6 years old)
Registered office
46 Sunny Brow Road, Middleton, Manchester, M24 4BG, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Michael Jarzyna Director Oct 1980 4 May 2020 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 May 2025Small company accountsNot audited

Net assets

£63.8k

+6% from £60.2k

Cash at bank

£83.3k

<1% from £82.9k

Employees (average)

2

Same as 2

Owed within a year

£19.9k

−14% from £23.3k

Net assets

In the full report: all 5 years of accounts

  • Every year from 2021 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 12584644. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2024

8 April 2024

  • Karen Jarzyna became a part-owner (25–50% of shares)

Companies House

2020

4 June 2020

  • Became an appointed representative

FCA register

4 May 2020

  • Incorporated at Companies House
  • Steven Michael Jarzyna became the majority owner (50–75% of shares)
  • Steven Michael Jarzyna appointed as a director

Companies House

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

Firms like SMJ Financial Planning

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

In Manchester

Adeptio Wealth Management LtdManchesterAppointed representativeAJ Barnes Financial Planning LtdManchesterAppointed representativeAJ Brown Financial Planning LtdManchesterAppointed representativeAlexander BartonManchesterAppointed representativeAnderton & Associates Financial Planning LimitedManchesterAppointed representativeAndrew Street Financial ServicesManchesterAppointed 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 SMJ 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
  • 5 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is SMJ Financial Planning LTD FCA authorised?
SMJ Financial Planning LTD (FRN 927260) 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 SMJ 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. SMJ Financial Planning LTD (FRN 927260) is an AR of M&G ADVICE PARTNERS LIMITED (FRN 584256). When you use SMJ Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from SMJ 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 SMJ Financial Planning’s phone number and website?
The FCA register lists the phone number 07824 343438 and the website mandgwealth.com/smjfinancialplanning for SMJ Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is SMJ Financial Planning a scam or clone?
SMJ 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 SMJ Financial Planning?
Protection works through M&g Advice Partners Limited, the principal firm responsible for SMJ Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns SMJ Financial Planning?
Companies House lists 2 people with significant control of SMJ Financial Planning: Mr Steven Michael Jarzyna (50–75% of shares) and Mrs Karen Jarzyna (25–50% of shares).
Who runs SMJ Financial Planning?
Companies House lists one director of SMJ Financial Planning: Steven Michael Jarzyna.
How long has SMJ Financial Planning been in business?
The company was formed on 4 May 2020.
What do SMJ Financial Planning’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £63.8k (+6% from £60.2k) and cash at bank of £83.3k (<1% from £82.9k).

Sources and links

The full report on SMJ Financial Planning LTD

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