Whitestone Capital Financial Planning Ltd

Reference number: 768529

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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.
  • Whitestone Capital Financial Planning Ltd (FRN 768529) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Whitestone Capital Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Whitestone Capital 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

  • When partnership.sjp.co.uk first appeared online, and whether it can receive email
  • What kind of line 07801 855985 is
  • Who else gives the postcode GU27 1QF
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Other names (3)

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

  • Whitestone Capital Trading name
  • Stewart Howard Former name
  • Stewart Howard Wealth Management Former trading name

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
16179728
Company status
Active
Company type
Private limited company
Incorporated
13 January 2025 (1 year old)
Registered office
Hazelbank Covers Lane, Haslemere, Hampshire, GU27 1QF, England
Nature of business
  • Financial management (SIC 70221)
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Stewart Joseph Howard Director Dec 1991 13 Jan 2025 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 31 December 2025Micro-entity accountsNot audited

Net assets

£45.0k

No earlier figure to compare

Employees (average)

1

No earlier figure to compare

Owed within a year

£10.9k

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 16179728. 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

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

Key events (4) All events (8)

2025

11 February 2025

  • Changed its registered name from "Stewart Howard"

FCA register

13 January 2025

  • Incorporated at Companies House
  • Stewart Joseph Howard took control (75–100% of shares)

Companies House

2017

4 January 2017

  • Became an appointed representative

FCA register

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Whitestone Capital Financial Planning

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

In Haslemere

Blackdown Wealth Management LLPHaslemereAppointed representativeSquirrel Financial Planning LtdHaslemereAppointed representativeP.J. Hutchinson & AssociatesHaslemereAuthorised

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 Whitestone Capital 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
  • All 8 events in its history

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Frequently asked questions about this firm

Is Whitestone Capital Financial Planning Ltd FCA authorised?
Whitestone Capital Financial Planning Ltd (FRN 768529) 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 Whitestone Capital 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. Whitestone Capital Financial Planning Ltd (FRN 768529) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Whitestone Capital Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Whitestone Capital 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 Whitestone Capital Financial Planning’s phone number and website?
The FCA register lists the phone number 07801 855985 and the website partnership.sjp.co.uk/partner/stewarthoward for Whitestone Capital Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Whitestone Capital Financial Planning a scam or clone?
Whitestone Capital 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 Whitestone Capital Financial Planning?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Whitestone Capital Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Whitestone Capital Financial Planning?
Companies House lists one person with significant control of Whitestone Capital Financial Planning: Mr Stewart Joseph Howard (75–100% of shares).
Who runs Whitestone Capital Financial Planning?
Companies House lists one director of Whitestone Capital Financial Planning: Stewart Joseph Howard.
How long has Whitestone Capital Financial Planning been in business?
The company was formed on 13 January 2025.
What do Whitestone Capital Financial Planning’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £45.0k (no earlier figure to compare).
Does Whitestone Capital Financial Planning use any other names?
It trades as Whitestone Capital. It has previously used 2 other names: Stewart Howard and Stewart Howard Wealth Management.

Sources and links

The full report on Whitestone Capital Financial Planning Ltd

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