Upper Street Financial Planning Ltd
Reference number: 727124
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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.
- Appointed for 10 years
- Protected through the principal
- No FCA actions
- Active company since 2015
- Accounts filed up to 30 November 2025
Responsible principal firm
Sense Network Limited Reference number: 465124 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.
- Upper Street Financial Planning Ltd (FRN 727124) is an AR of Sense Network Limited (FRN 465124). When you use Upper Street Financial Planning's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Upper Street 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.
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Website
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Phone number
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Address
Sturminster House, Market Place, Sturminster Newton, DT10 1AS, United Kingdom
In the full report: 3 background checks
- When usfp.co.uk first appeared online, and whether it can receive email
- What kind of line 01258 807570 is
- Who else gives the postcode DT10 1AS
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sense Network 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, freeYou 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 name
- UPPER STREET FINANCIAL PLANNING LIMITED
- Company number
- 09876455 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 17 November 2015 (10 years old)
- Registered office
- Sturminster House, Market Place, Sturminster Newton, Dorset, DT10 1AS, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Timothy Charles Cotton | Director | Mar 1966 | 17 Nov 2015 | None |
| Alexandra Carolyn Cotton | Secretary | Not published | 1 Sep 2016 | – |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£26.2k
+24% from £21.1k
Cash at bank
£43.2k
+18% from £36.5k
Employees (average)
2
Same as 2
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
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 09876455. 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
Upper Street Financial Planning’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Timothy Charles Cotton took control (75–100% of shares)
Companies House
2015
27 November 2015
- Became an appointed representative
FCA register
17 November 2015
- Incorporated at Companies House
- Timothy Charles Cotton appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Upper Street Financial Planning
Other firms of the same type (financial adviser), nearest first.
In Sturminster Newton
In the Dorchester (DT) postcode area
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 Upper Street 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
- 7 years of accounts, charted
- All 4 events in its history
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Frequently asked questions about this firm
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What do Upper Street Financial Planning’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk