W T Independent Financial Planning Limited

Reference number: 560260

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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

Vision Independent Financial Planning Ltd Reference number: 487395 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.
  • W T Independent Financial Planning Limited (FRN 560260) is an AR of Vision Independent Financial Planning Ltd (FRN 487395). When you use W T Independent Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from W T Independent 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.

  • No website on the FCA register

  • Phone number

    07900 676369

  • Address

    5 St Anthony Way, Falmouth, Cornwall, TR11 4EG, United Kingdom

In the full report: 2 background checks

  • What kind of line 07900 676369 is
  • Who else gives the postcode TR11 4EG
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Nest Independent Financial Planning Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Vision Independent Financial Planning Ltd, 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
07686335
Company status
Active
Company type
Private limited company
Incorporated
28 June 2011 (15 years old)
Registered office
Vivian House, Newham Road, Truro, Cornwall, TR1 2DP, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Sarah Williams Director Apr 1971 28 Jun 2011 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

Year to 30 June 2025Full accountsNot audited

Net assets

£35.7k

−38% from £57.1k

Cash at bank

£136k

−11% from £152k

Owed within a year

£102k

+4.6% from £97.3k

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.

Accounts filed at Companies House for company 07686335. 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

W T Independent Financial Planning’s history from the FCA register and Companies House, newest first.

2016

6 April 2016

  • Neal Thomas Williams became a part-owner (25–50% of shares)
  • Sarah Williams became the majority owner (50–75% of shares)

Companies House

2013

4 February 2013

  • Changed its registered name from "Nest Independent Financial Planning Limited"

FCA register

2011

3 August 2011

  • Became an appointed representative

FCA register

28 June 2011

  • Incorporated at Companies House
  • Sarah Williams appointed as a director

Companies House

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

Firms like W T Independent Financial Planning

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

In Falmouth

Bickland Financial Planning LtdFalmouthAppointed representativeChurcher Wealth Management LtdFalmouthAppointed representativeDean Stevens Wealth ManagementFalmouthAppointed representativeMd Independent Financial Planning LimitedFalmouthAppointed representativeProfessional Financial Centre (Cornwall) LimitedFalmouthAuthorisedTaylor Money LimitedFalmouthAuthorised

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 W T Independent 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
  • 2 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 W T Independent Financial Planning Limited FCA authorised?
W T Independent Financial Planning Limited (FRN 560260) 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 W T Independent 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. W T Independent Financial Planning Limited (FRN 560260) is an AR of Vision Independent Financial Planning Ltd (FRN 487395). When you use W T Independent Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from W T Independent 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 W T Independent Financial Planning’s phone number?
The FCA register lists the phone number 07900 676369 for W T Independent Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is W T Independent Financial Planning a scam or clone?
W T Independent 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 W T Independent Financial Planning?
Protection works through Vision Independent Financial Planning Ltd, the principal firm responsible for W T Independent Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns W T Independent Financial Planning?
Companies House lists 2 people with significant control of W T Independent Financial Planning: Mrs Sarah Williams (50–75% of shares) and Mr Neal Thomas Williams (25–50% of shares).
Who runs W T Independent Financial Planning?
Companies House lists one director of W T Independent Financial Planning: Sarah Williams.
How long has W T Independent Financial Planning been in business?
The company was formed on 28 June 2011.
What do W T Independent Financial Planning’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £35.7k (−38% from £57.1k) and cash at bank of £136k (−11% from £152k).
Does W T Independent Financial Planning use any other names?
It has previously used the name Nest Independent Financial Planning Limited.

Sources and links

The full report on W T Independent Financial Planning Limited

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