Steer and Co. Financial Planning Limited

Reference number: 1054082

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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.
  • Steer and Co. Financial Planning Limited (FRN 1054082) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Steer and Co. Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Steer and Co. 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, 1 thing worth a closer look

  • When steerandcofp.co.uk first appeared online, and whether it can receive email
  • What kind of line 07523 659786 is
  • Who else gives the postcode YO1 6DH
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Other names (1)

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

  • Steer & Co. Financial Planning 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
16950184
Company status
Active
Company type
Private limited company
Incorporated
8 January 2026 (less than a year old)
Registered office
East Coast House, Skeldergate, York, YO1 6DH, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
James Patrick Steer Director Dec 1983 8 Jan 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

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

2026

11 May 2026

  • Became an appointed representative
  • Began trading as "Steer & Co. Financial Planning"

FCA register

8 January 2026

  • Incorporated at Companies House
  • James Patrick Steer took control (75–100% of shares)
  • James Patrick Steer appointed as a director

Companies House

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

Firms like Steer and Co. Financial Planning

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

In York

Capin Partners LLPYorkAppointed representativeCherry Tree Financial LTDYorkAppointed representativeCMM Wealth Management LtdYorkAppointed representativeCrossfield Financial PlanningYorkAppointed representativeFewell Wealth Management LimitedYorkAppointed representativeFortus Wealth Management LimitedYorkAppointed 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 Steer and Co. 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, 1 flagged
  • All 5 events in its history

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Frequently asked questions about this firm

Is Steer and Co. Financial Planning Limited FCA authorised?
Steer and Co. Financial Planning Limited (FRN 1054082) 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 Steer and Co. 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. Steer and Co. Financial Planning Limited (FRN 1054082) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Steer and Co. Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Steer and Co. 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 Steer and Co. Financial Planning’s phone number and website?
The FCA register lists the phone number 07523 659786 and the website steerandcofp.co.uk for Steer and Co. Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Steer and Co. Financial Planning a scam or clone?
Steer and Co. 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 Steer and Co. Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Steer and Co. Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Steer and Co. Financial Planning?
Companies House lists one person with significant control of Steer and Co. Financial Planning: Mr James Patrick Steer (75–100% of shares).
Who runs Steer and Co. Financial Planning?
Companies House lists one director of Steer and Co. Financial Planning: James Patrick Steer.
How long has Steer and Co. Financial Planning been in business?
The company was formed on 8 January 2026.
Does Steer and Co. Financial Planning use any other names?
It trades as Steer & Co. Financial Planning.

Sources and links

The full report on Steer and Co. Financial Planning Limited

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