True Financial Design Ltd

Reference number: 828514

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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

2 Plan Wealth Management Limited Reference number: 461598 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.
  • True Financial Design Ltd (FRN 828514) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use True Financial Design's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from True Financial Design, 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 truefinancialdesign.co.uk first appeared online, and whether it can receive email
  • What kind of line 01423 297077 is
  • Who else gives the postcode LS22 5DZ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through 2 Plan Wealth Management 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
11595677
Company status
Active
Company type
Private limited company
Incorporated
29 September 2018 (8 years old)
Registered office
Parkhill Business Centre, Walton Road, Wetherby, West Yorkshire, LS22 5DZ, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Charlotte Elizabeth Rycroft Director Sep 1989 29 Sep 2018 2 other companies

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 companies
2
still active
2
is FCA-registered
1

In the full report: all 2 companies, 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
  • The one on the FCA register
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Filed accounts and finances

Year to 30 September 2025Micro-entity accountsNot audited

Total equity

£119k

+27% from £94.3k

Employees (average)

2

Same as 2

Owed within a year

£94.9k

−7.2% from £102k

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 11595677. 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

True Financial Design’s history from the FCA register and Companies House, newest first.

2026

13 May 2026

  • Charlotte Elizabeth Rycroft gave up control
  • Larkes Holdings Ltd took control (75–100% of shares)

Companies House

2018

12 December 2018

  • Became an appointed representative

FCA register

29 September 2018

  • Incorporated at Companies House
  • Charlotte Elizabeth Rycroft took control (75–100% of shares)
  • Charlotte Elizabeth Rycroft appointed as a director

Companies House

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

Firms connected to True Financial Design

Other FCA-listed firms that share a director, phone number or address with True Financial Design. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share its postcode
4
past link
1

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like True Financial Design

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

In Wetherby

Bates Wealth Management LtdWetherbyAppointed representativeCastle and Grey LimitedWetherbyAppointed representativeDiane WatsonWetherbyAppointed representativeDWB Wealth Consultancy LimitedWetherbyAppointed representativeGreg ThomsonWetherbyAppointed representativeJoanna DodsonWetherbyAppointed 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 True Financial Design

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is True Financial Design Ltd FCA authorised?
True Financial Design Ltd (FRN 828514) 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 True Financial Design?
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. True Financial Design Ltd (FRN 828514) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use True Financial Design's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from True Financial Design, 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 True Financial Design’s phone number and website?
The FCA register lists the phone number 01423 297077 and the website truefinancialdesign.co.uk for True Financial Design. If you were given different contact details, use these to check with the firm before going any further.
Is True Financial Design a scam or clone?
True Financial Design 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 True Financial Design?
Protection works through 2 Plan Wealth Management Limited, the principal firm responsible for True Financial Design's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns True Financial Design?
True Financial Design is owned by Larkes Holdings Ltd, which holds 75–100% of shares and 75–100% of votes, since 13 May 2026. Before that, it was controlled by Mrs Charlotte Elizabeth Rycroft.
Who runs True Financial Design?
Companies House lists one director of True Financial Design: Charlotte Elizabeth Rycroft.
How long has True Financial Design been in business?
The company was formed on 29 September 2018.
What do True Financial Design’s latest accounts show?
Its latest accounts, to 30 September 2025, show total equity of £119k (+27% from £94.3k).

Sources and links

The full report on True Financial Design Ltd

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