Willow Financial Planning Limited

Reference number: 577482

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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, 1 thing worth a closer look

  • When willowfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 01702 442198 is
  • Who else gives the postcode SS1 2PH
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Other names (1)

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

  • RDP Financial Services Limited Former name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (15 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on a home reversion plan
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home reversion plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to a home reversion plan
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
07907502
Company status
Active
Company type
Private limited company
Incorporated
12 January 2012 (14 years old)
Registered office
453 Southchurch Road, Southend-On-Sea, Essex, SS1 2PH, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Aaron John Mears Director Aug 1969 12 Jan 2012 4 other companies
Charlotte Louise Pranjivan Director Oct 1984 21 Dec 2018 1 other company
Paul Andrew Stafford Director Jul 1966 21 Dec 2018 6 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
9
closed down
2
is FCA-registered
1

In the full report: all 9 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 one on the FCA register
  • The 1 company these 3 directors run together
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2025Full accountsNot audited

Net assets

−£144k

Up £63.1k from −£207k

Cash at bank

£161k

+69% from £95.3k

Owed within a year

£218k

+7.9% from £203k

Net assets are negative: on its last balance sheet the company owed £144k 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.

Accounts filed at Companies House for company 07907502. 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

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

Key events (10) All events (24)

2018

16 July 2018

  • Aaron John Mears stopped being a part-owner
  • Rdp Newmans LLP stopped being a part-owner
  • Willow Fp (UK) Limited took control (75–100% of shares)

Companies House

3 July 2018

  • Changed its registered name from "RDP Financial Services Limited"

FCA register

2016

6 April 2016

  • Aaron John Mears became a part-owner (25–50% of shares)
  • Rdp Newmans LLP became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

17 May 2012

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

12 January 2012

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (10 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Willow Financial Planning

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Willow Financial Planning

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

In Southend-on-sea

Andrew JamesSouthend-on-SeaAuthorisedCervello Financial Planning LimitedSouthend-On-SeaAuthorisedFinancial Solutions Sc LimitedSouthend-On-SeaAuthorisedMark Dean Wealth Management (UK) LimitedSouthend-on-SeaAuthorisedSand Financial Planning LimitedSouthend-on-SeaAuthorisedStrategic IFA LtdSouthend-On-SeaAuthorised

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 Willow Financial Planning

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

  • 9 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 24 events in its history

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Frequently asked questions about this firm

Is Willow Financial Planning Limited FCA authorised?
Yes, Willow Financial Planning Limited (FRN 577482) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2012 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is Willow Financial Planning’s phone number and website?
The FCA register lists the phone number 01702 442198 and the website willowfinancial.co.uk for Willow Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Willow Financial Planning a scam or clone?
Willow 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 Willow Financial Planning?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Willow Financial Planning to the Financial Ombudsman Service, free of charge.
Who owns Willow Financial Planning?
Willow Financial Planning is owned by Willow Fp (UK) Limited, which holds 75–100% of shares and 75–100% of votes, since 16 July 2018. Before that, it was controlled by Mr Aaron John Mears and Rdp Newmans LLP.
Who runs Willow Financial Planning?
Companies House lists 3 directors of Willow Financial Planning: Aaron John Mears, Charlotte Louise Pranjivan and Paul Andrew Stafford.
How long has Willow Financial Planning been in business?
The company was formed on 12 January 2012, and has held its current FCA authorisation since May 2012.
What do Willow Financial Planning’s latest accounts show?
Its latest accounts, to 31 January 2025, show net assets of −£144k (up £63.1k from −£207k) and cash at bank of £161k (+69% from £95.3k).
Does Willow Financial Planning use any other names?
It has previously used the name RDP Financial Services Limited.

Sources and links

The full report on Willow Financial Planning Limited

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