Talk Money Limited

Reference number: 226700

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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

Best Practice IFA Group Limited Reference number: 223112 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.
  • Talk Money Limited (FRN 226700) is an AR of Best Practice IFA Group Limited (FRN 223112). When you use Talk Money's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Talk Money, 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 talkmoney.co.uk first appeared online, and whether it can receive email
  • What kind of line 01273 229115 is
  • Who else gives the postcode BN3 5FE
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Other names (2)

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

  • Talk IFA Former name
  • Talk Money Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Best Practice IFA Group 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
05288538
Company status
Active
Company type
Private limited company
Incorporated
16 November 2004 (21 years old)
Registered office
Saxon House John Roberts Business Park, Pean Hill, Whitstable, Kent, CT5 3BJ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Claire Elizabeth Cook Director Sep 1967 16 Nov 2004 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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 31 March 2026Small company accountsNot audited

Net assets

£193k

+26% from £153k

Cash at bank

£155k

+12% from £138k

Employees (average)

1

Same as 1

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
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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 05288538. 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

Talk Money’s history from the FCA register and Companies House, newest first.

2016

16 November 2016

  • Claire Elizabeth Cook took control (75–100% of shares)

Companies House

2006

5 September 2006

  • Changed its registered name from "Talk IFA"

FCA register

2004

22 November 2004

  • Changed its registered name from "Talk Money Ltd"

FCA register

16 November 2004

  • Incorporated at Companies House
  • Claire Elizabeth Cook appointed as a director

Companies House

2003

23 July 2003

  • Became an appointed representative

FCA register

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

Firms like Talk Money

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

In Hove

Brighthelm Financial LtdHoveAppointed representativeCandour Financial Planning LimitedHoveAppointed representativeClearsum Accounting LtdHoveAppointed representativeInvestell LtdHoveAppointed representativeJ & S Structured Solutions LimitedHoveAppointed representativeJames Makin Wealth Management LtdHoveAppointed 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 Talk Money

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Talk Money Limited FCA authorised?
Talk Money Limited (FRN 226700) 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 Talk Money?
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. Talk Money Limited (FRN 226700) is an AR of Best Practice IFA Group Limited (FRN 223112). When you use Talk Money's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Talk Money, 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 Talk Money’s phone number and website?
The FCA register lists the phone number 01273 229115 and the website talkmoney.co.uk for Talk Money. If you were given different contact details, use these to check with the firm before going any further.
Is Talk Money a scam or clone?
Talk Money 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 Talk Money?
Protection works through Best Practice IFA Group Limited, the principal firm responsible for Talk Money's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Talk Money?
Companies House lists one person with significant control of Talk Money: Mrs Claire Elizabeth Cook (75–100% of shares).
Who runs Talk Money?
Companies House lists one director of Talk Money: Claire Elizabeth Cook.
How long has Talk Money been in business?
The company was formed on 16 November 2004.
What do Talk Money’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £193k (+26% from £153k) and cash at bank of £155k (+12% from £138k).
Does Talk Money use any other names?
It has previously used 2 other names: Talk IFA and Talk Money Ltd.

Sources and links

The full report on Talk Money Limited

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