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 6 years
- Protected through the principal
- No FCA actions
- Active company since 1998
- Accounts filed up to 30 April 2022
- One of its directors is also a director of a firm that is no longer authorised
Responsible principal firm
SHIPMAN FINANCIAL PLANNING LIMITED Reference number: 513289 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.
- Whichers IFA LIMITED (FRN 927125) is an AR of SHIPMAN FINANCIAL PLANNING LIMITED (FRN 513289). When you use Whichers IFA's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Whichers IFA, 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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No website on the FCA register
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Phone number
-
Address
Eagle House, 1 Babbage Way, Science Park, Clyst Honiton, Exeter, Devon, EX5 2FN, United Kingdom
In the full report: 2 background checks
- What kind of line 020 8566 5550 is
- Who else gives the postcode EX5 2FN
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Shipman Financial Planning 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 number
- 03586741 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 June 1998 (28 years old)
- Registered office
- Ground Floor, Eagle House 1 Babbage Way, Exeter Science Park, Exeter, Devon, EX5 2FN, England
- Nature of business
-
- Life insurance (SIC 65110)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Peter Robert Ellis | Director | Sep 1971 | 5 May 2021 | 23 other companies |
| Sarah Jean Smith | Director | May 1980 | 17 Feb 2022 | 7 other companies |
Other companies run by these 2 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
- 25
- closed down
- 12
- are FCA-registered
- 3
In the full report: all 25 companies, named
- What each company does, and whether it is still trading
- Which of these 2 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 on the FCA register, including one no longer authorised
- The 5 companies these 2 directors run together
- All 10 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£395k
+71% from £230k
Cash at bank
£26.7k
−77% from £115k
Employees (average)
8
−43% from 14
Owed within a year
£131k
+150% from £52.5k
The accounts for the year to 30 April 2022 do not tag profit before tax in a form that can be read automatically, so it is not shown. The last tagged figure is £49.0k, for the year to 31 March 2020.
Assets and liabilities
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 03586741. 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
Whichers IFA’s history from the FCA register and Companies House, newest first.
2021
5 May 2021
- Board replaced: all 3 directors left and 3 new directors took over
- Diane Helen Whicher stopped being a part-owner
- Robert Charles Whicher stopped being a part-owner
- Shipman Group Holdings Limited took control (75–100% of shares)
Companies House
2020
2 June 2020
- Became an appointed representative
FCA register
2017
15 May 2017
- Diane Helen Whicher became a part-owner (25–50% of shares)
- Robert Charles Whicher became a part-owner (25–50% of shares)
Companies House
1998
24 June 1998
- Incorporated at Companies House
Companies House
In the full report: all 24 events
- All 24 events in its history (8 shown here)
- Every director appointment and resignation: 16
Firms connected to Whichers IFA
Other FCA-listed firms that share a director, phone number or address with Whichers IFA. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 5
- no longer authorised
- 1
- share a director
- 3
In the full report: all 5 connected firms, named
- How each is linked: shared directors (3), the same postcode (4)
- Who links each one: the named directors, with dates
Firms like Whichers IFA
Other firms of the same type (financial adviser), nearest first.
In Exeter
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 Whichers IFA
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 25 other companies its directors have run, named
- 2 background checks on its contact details
- All 24 events in its history
- 5 connected firms, named, and who links them
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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