WealthPlan Ltd

Reference number: 970980

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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

Cheetham Jackson Ltd Reference number: 514951 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.
  • WealthPlan Ltd (FRN 970980) is an AR of Cheetham Jackson Ltd (FRN 514951). When you use WealthPlan's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from WealthPlan, 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

    01257 239990

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    23 Market Street, Chorley, Lancashire, PR7 2SY, United Kingdom

In the full report: 2 background checks

  • What kind of line 01257 239990 is, and the 3 other firms that give it
  • Who else gives the postcode PR7 2SY
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Other names (3)

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

  • Wilford Smith Financial Ltd Former name
  • WILFORD SMITH WEALTH MANAGEMENT LTD Former name
  • Wilford Smith Financial Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Cheetham Jackson 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
11780977
Company status
Active
Company type
Private limited company
Incorporated
22 January 2019 (7 years old)
Registered office
23 Market Street, Chorley, PR7 2SY, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
James Stuart Gallacher Director May 1972 5 Feb 2026 4 other companies
Nicola Janet Jones Director Aug 1976 5 Feb 2026 3 other companies
Scott Patrick Golland Director Jul 1987 20 Mar 2026 2 other companies

Other companies run by these 3 directors

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
7
closed down
1
are FCA-registered
3

In the full report: all 7 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register, including 2 no longer authorised
  • The 2 companies these 3 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

−£1,128

Down £220 from −£908

Cash at bank

£2

Same as £2

Employees (average)

1

Same as 1

Net assets are negative: on its last balance sheet the company owed £1,128 more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 11780977. 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

WealthPlan’s history from the FCA register and Companies House, newest first.

Key events (12) All events (24)

2026

19 March 2026

  • Cheetham Jackson Ltd took control (75–100% of shares)
  • Rd Bains Ltd stopped being a part-owner
  • Your Y Ltd stopped being a part-owner

Companies House

5 February 2026

  • Board replaced: all 3 directors left and 3 new directors took over

Companies House

16 January 2026

  • Changed its registered name from "Wilford Smith Financial Ltd"

FCA register

2024

19 April 2024

  • Changed its registered name from "WILFORD SMITH WEALTH MANAGEMENT LTD"

FCA register

15 February 2024

  • Big Dog Investments Limited gave up control
  • Rd Bains Ltd became a part-owner (25–50% of shares)
  • Your Y Ltd became a part-owner (25–50% of shares)

Companies House

2022

2 March 2022

  • Became an appointed representative

FCA register

2019

22 January 2019

  • Incorporated at Companies House
  • Big Dog Investments Limited took control (75–100% of shares)

Companies House

In the full report: all 24 events

  • All 24 events in its history (12 shown here)
  • Every director appointment and resignation: 9
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Firms connected to WealthPlan

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

connected firms
4
no longer authorised
1
share a director
2

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (2), the same phone number (3), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like WealthPlan

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

In Chorley

Anton KirkpatrickChorleyAppointed representativeARW Wealth Management LimitedChorleyAppointed representativeCharnock & Adlington Wealth Planning LimitedChorleyAppointed representativeCJ Workplace LtdChorleyAppointed representativeFinancial Experience LtdChorleyAppointed representativeGrosvenor Partners Financial Services LtdChorleyAppointed 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 WealthPlan

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

  • 7 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 24 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is WealthPlan Ltd FCA authorised?
WealthPlan Ltd (FRN 970980) 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 WealthPlan?
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. WealthPlan Ltd (FRN 970980) is an AR of Cheetham Jackson Ltd (FRN 514951). When you use WealthPlan's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from WealthPlan, 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 WealthPlan’s phone number?
The FCA register lists the phone number 01257 239990 for WealthPlan. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 3 other FCA firms, one of which is no longer authorised.
Is WealthPlan a scam or clone?
WealthPlan 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 WealthPlan?
Protection works through Cheetham Jackson Ltd, the principal firm responsible for WealthPlan's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns WealthPlan?
WealthPlan is owned by Cheetham Jackson Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 19 March 2026. Before that, it was controlled by Your Y Ltd, Rd Bains Ltd and Big Dog Investments Limited.
Who runs WealthPlan?
Companies House lists 3 directors of WealthPlan: James Stuart Gallacher, Nicola Janet Jones and Scott Patrick Golland.
How long has WealthPlan been in business?
The company was formed on 22 January 2019.
What do WealthPlan’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£1,128 (down £220 from −£908) and cash at bank of £2 (same as £2).
Does WealthPlan use any other names?
It has previously used 3 other names: Wilford Smith Financial Ltd, WILFORD SMITH WEALTH MANAGEMENT LTD and Wilford Smith Financial.

Sources and links

The full report on WealthPlan Ltd

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