TAU Advisory Limited

Reference number: 631810

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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

WPA Healthcare Practice Plc Reference number: 757721 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.
  • TAU Advisory Limited (FRN 631810) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use TAU Advisory's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from TAU Advisory, 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 wpa.org.uk first appeared online, and whether it can receive email
  • What kind of line 07928 491232 is
  • Who else gives the postcode CM11 2YR
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through WPA Healthcare Practice 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
09056405
Company status
Active
Company type
Private limited company
Incorporated
27 May 2014 (12 years old)
Registered office
1579 London Road, Leigh On Sea, Essex, SS9 2SG, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Terence Andrew Upham Director Mar 1964 27 May 2014 1 other company
Gemma Marie Upham Director Nov 1988 24 Feb 2017 None
Coral Upham Secretary Not published 27 May 2014 –

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 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 these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£513

−93% from £7,290

Employees (average)

2

Same as 2

Owed within a year

£39.5k

+51% from £26.2k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 09056405. 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

TAU Advisory’s history from the FCA register and Companies House, newest first.

2017

24 February 2017

  • Gemma Marie Upham appointed as a director

Companies House

2016

28 May 2016

  • Coral Upham became a part-owner (25–50% of shares)
  • Terence Andrew Upham became the majority owner (50–75% of shares)

Companies House

2014

10 September 2014

  • Became an appointed representative

FCA register

27 May 2014

  • Incorporated at Companies House
  • Terence Andrew Upham appointed as a director

Companies House

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

Firms like TAU Advisory

Other firms of the same type (insurance broker), nearest first.

In Billericay

Professional & Medical Insurance Solutions LtdBillericayAppointed representativeConsulting Capital LimitedBillericayAppointed representativeOcean Special Risks LimitedBillericayAppointed representativeSterling Street LimitedBillericayAppointed representativeTrawick International LimitedBillericayAppointed representativeASL Vets LimitedBillericayAppointed 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 TAU Advisory

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 TAU Advisory Limited FCA authorised?
TAU Advisory Limited (FRN 631810) 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 TAU Advisory?
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. TAU Advisory Limited (FRN 631810) is an AR of WPA Healthcare Practice Plc (FRN 757721). When you use TAU Advisory's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from TAU Advisory, 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 TAU Advisory’s phone number and website?
The FCA register lists the phone number 07928 491232 and the website wpa.org.uk/terryupham for TAU Advisory. If you were given different contact details, use these to check with the firm before going any further.
Is TAU Advisory a scam or clone?
TAU Advisory 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 TAU Advisory?
Protection works through WPA Healthcare Practice PLC, the principal firm responsible for TAU Advisory's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns TAU Advisory?
Companies House lists 2 people with significant control of TAU Advisory: Mr Terence Andrew Upham (50–75% of shares) and Mrs Coral Upham (25–50% of shares).
Who runs TAU Advisory?
Companies House lists 2 directors of TAU Advisory: Terence Andrew Upham and Gemma Marie Upham.
How long has TAU Advisory been in business?
The company was formed on 27 May 2014.
What do TAU Advisory’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £513 (−93% from £7,290).

Sources and links

The full report on TAU Advisory Limited

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