Toro Wealth Planning Ltd

Reference number: 1042956

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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.

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.
  • Toro Wealth Planning Ltd (FRN 1042956) is an AR of ValidPath Limited (FRN 197107). When you use Toro Wealth Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Toro Wealth 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 torowp.com first appeared online, and whether it can receive email
  • What kind of line 020 8137 0025 is
  • Whether W1W 5PF is a shared office: 143 other firms give it
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through ValidPath 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 status
Active
Company type
Private limited company
Incorporated
4 August 2025 (1 year old)
Registered office
167-169 Great Portland Street, 5th Floor, London, W1W 5PF, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Luke Samuel William Turner Director May 1996 4 Aug 2025 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
still active
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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Key dates in its history

Toro Wealth Planning’s history from the FCA register and Companies House, newest first.

2025

15 October 2025

  • Became an appointed representative

FCA register

4 August 2025

  • Incorporated at Companies House
  • Luke Samuel William Turner took control (75–100% of shares)
  • Luke Samuel William Turner appointed as a director

Companies House

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

Firms like Toro Wealth Planning

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

In London

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 Toro Wealth Planning

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, 1 flagged
  • All 4 events in its history

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Frequently asked questions about this firm

Is Toro Wealth Planning Ltd FCA authorised?
Toro Wealth Planning Ltd (FRN 1042956) 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 Toro Wealth 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. Toro Wealth Planning Ltd (FRN 1042956) is an AR of ValidPath Limited (FRN 197107). When you use Toro Wealth Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Toro Wealth 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 Toro Wealth Planning’s phone number and website?
The FCA register lists the phone number 020 8137 0025 and the website torowp.com for Toro Wealth Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Toro Wealth Planning a scam or clone?
Toro Wealth 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 Toro Wealth Planning?
Protection works through ValidPath Limited, the principal firm responsible for Toro Wealth Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Toro Wealth Planning?
Companies House lists one person with significant control of Toro Wealth Planning: Mr Luke Samuel William Turner (75–100% of shares).
Who runs Toro Wealth Planning?
Companies House lists one director of Toro Wealth Planning: Luke Samuel William Turner.
How long has Toro Wealth Planning been in business?
The company was formed on 4 August 2025.

Sources and links

The full report on Toro Wealth Planning Ltd

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