Vivid Financial Planning Limited

Reference number: 1003357

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • Vivid Financial Planning Limited (FRN 1003357) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Vivid Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Vivid 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.

In the full report: 3 background checks, 1 thing worth a closer look

  • When vividfp.co.uk first appeared online, and whether it can receive email
  • What kind of line 07976 870768 is
  • Whether EC3V 9BQ is a shared office: 222 other firms give it
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management 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
15091708
Company status
Active
Company type
Private limited company
Incorporated
23 August 2023 (3 years old)
Registered office
167-169 167 - 169 Great Portland Street, 5th Floor, London, W1W 5PF, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Gareth Thomas Lewis Director Feb 1990 23 Aug 2023 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

17 months to 10 January 2025Small company accountsNot audited

Net assets

£45.5k

No earlier figure to compare

Cash at bank

£88.9k

No earlier figure to compare

Employees (average)

1

No earlier figure to compare

Owed within a year

£117k

No earlier figure to compare

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 15091708. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Vivid Financial Planning’s history from the FCA register and Companies House, newest first.

2023

16 October 2023

  • Became an appointed representative

FCA register

23 August 2023

  • Incorporated at Companies House
  • Gareth Thomas Lewis took control (75–100% of shares)
  • Gareth Thomas Lewis appointed as a director

Companies House

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

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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 Vivid 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, 1 flagged
  • All 4 events in its history

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Frequently asked questions about this firm

Is Vivid Financial Planning Limited FCA authorised?
Vivid Financial Planning Limited (FRN 1003357) 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 Vivid Financial 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. Vivid Financial Planning Limited (FRN 1003357) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Vivid Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vivid 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.
What is Vivid Financial Planning’s phone number and website?
The FCA register lists the phone number 07976 870768 and the website vividfp.co.uk for Vivid Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Vivid Financial Planning a scam or clone?
Vivid Financial 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 Vivid Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Vivid Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Vivid Financial Planning?
Companies House lists one person with significant control of Vivid Financial Planning: Mr Gareth Thomas Lewis (75–100% of shares).
Who runs Vivid Financial Planning?
Companies House lists one director of Vivid Financial Planning: Gareth Thomas Lewis.
How long has Vivid Financial Planning been in business?
The company was formed on 23 August 2023.
What do Vivid Financial Planning’s latest accounts show?
Its latest accounts, to 10 January 2025, show net assets of £45.5k (no earlier figure to compare) and cash at bank of £88.9k (no earlier figure to compare).

Sources and links

The full report on Vivid Financial Planning Limited

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