Wholesome Financial Planning Limited

Reference number: 995296

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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

The On-Line Partnership Limited Reference number: 192638 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.
  • Wholesome Financial Planning Limited (FRN 995296) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Wholesome Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Wholesome 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

    0118 315 1712

  • Address

    3 School Terrace, Reading, Berkshire, RG1 3LS, United Kingdom

In the full report: 2 background checks

  • What kind of line 0118 315 1712 is
  • Who else gives the postcode RG1 3LS
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through The On-Line Partnership 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, 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
14702409
Company status
Active
Company type
Private limited company
Incorporated
3 March 2023 (3 years old)
Registered office
3 School Terrace, Reading, RG1 3LS, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Lucy Kate Grifferty Director Sep 1992 3 Mar 2023 None
Matthew John Grifferty Director Jan 1993 30 Jun 2025 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 5 April 2026Micro-entity accountsNot audited

Net assets

−£4,656

Down £2,319 from −£2,337

Employees (average)

2

+100% from 1

Owed within a year

£26.3k

+7.9% from £24.4k

Net assets are negative: on its last balance sheet the company owed £4,656 more than it owned.

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 14702409. 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

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

Key events (4) All events (7)

2025

30 June 2025

  • Matthew John Grifferty became a part-owner (25–50% of shares)

Companies House

2023

24 April 2023

  • Became an appointed representative

FCA register

3 March 2023

  • Incorporated at Companies House
  • Lucy Kate Grifferty became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms like Wholesome Financial Planning

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

In Reading

Alastair Frith Wealth Management (IFA) LimitedReadingAppointed representativeAndrew Edward DellReadingAppointed representativeBarrett Wealth LLPReadingAppointed representativeBenedict Charles Financial Planning LtdReadingAppointed representativeClear View Financial Services LimitedReadingAppointed representativeGoodall-Smith Wealth Management LimitedReadingAppointed 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 Wholesome Financial Planning

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • All 7 events in its history

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Frequently asked questions about this firm

Is Wholesome Financial Planning Limited FCA authorised?
Wholesome Financial Planning Limited (FRN 995296) 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 Wholesome 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. Wholesome Financial Planning Limited (FRN 995296) is an AR of The On-Line Partnership Limited (FRN 192638). When you use Wholesome Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Wholesome 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 Wholesome Financial Planning’s phone number?
The FCA register lists the phone number 0118 315 1712 for Wholesome Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Wholesome Financial Planning a scam or clone?
Wholesome 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 Wholesome Financial Planning?
Protection works through The On-Line Partnership Limited, the principal firm responsible for Wholesome Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Wholesome Financial Planning?
Companies House lists 2 people with significant control of Wholesome Financial Planning: Mr Matthew John Grifferty (25–50% of shares) and Mrs Lucy Kate Grifferty (25–50% of shares).
Who runs Wholesome Financial Planning?
Companies House lists 2 directors of Wholesome Financial Planning: Lucy Kate Grifferty and Matthew John Grifferty.
How long has Wholesome Financial Planning been in business?
The company was formed on 3 March 2023.
What do Wholesome Financial Planning’s latest accounts show?
Its latest accounts, to 5 April 2026, show net assets of −£4,656 (down £2,319 from −£2,337).

Sources and links

The full report on Wholesome Financial Planning Limited

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