Work to Live Financial Planning Limited
Reference number: 845469
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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.
- Appointed for 7 years
- Protected through the principal
- No FCA actions
- Active company since 2019
- Accounts filed up to 30 June 2025
Responsible principal firm
ValidPath Limited Reference number: 197107 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.
- Work to Live Financial Planning Limited (FRN 845469) is an AR of ValidPath Limited (FRN 197107). When you use Work to Live Financial Planning's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Work to Live 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.
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Phone number
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Address
73 Dingleway, Appleton, Warrington, Warrington, WA4 3AG, United Kingdom
In the full report: 3 background checks
- When worktolivefinancialplanning.com first appeared online, and whether it can receive email
- What kind of line 01925 944879 is
- Who else gives the postcode WA4 3AG
Other names (1)
If you were contacted under any of these names, it is this firm.
- Ian Richards IFA Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through ValidPath 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
- 12059588 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 19 June 2019 (7 years old)
- Registered office
- 73 Dingleway, Appleton, WA4 3AG, England
- Nature of business
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- Financial management (SIC 70221)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Ian Richards | Director | May 1982 | 19 Jun 2019 | 1 other company |
Other companies run by its director
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
- still active
- 1
- is FCA-registered
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
Filed accounts and finances
Net assets
£53
Down £9 from £62
Employees (average)
1
Same as 1
Owed within a year
£9,902
+7.1% from £9,242
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
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 12059588. 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
Work to Live Financial Planning’s history from the FCA register and Companies House, newest first.
2019
12 July 2019
- Changed its registered name from "Ian Richards IFA Limited"
FCA register
8 July 2019
- Became an appointed representative
FCA register
19 June 2019
- Incorporated at Companies House
- Ian Richards took control (75–100% of shares)
- Ian Richards appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Work to Live Financial Planning
Other FCA-listed firms that share a director, phone number or address with Work to Live Financial Planning. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1)
- Who links it to this firm: the named directors, with dates
Firms like Work to Live Financial Planning
Other firms of the same type (financial adviser), nearest first.
In Warrington
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 Work to Live 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
- 3 background checks on its contact details
- 6 years of accounts, charted
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Work to Live Financial Planning Limited FCA authorised?
What does appointed representative mean for Work to Live Financial Planning?
What is Work to Live Financial Planning’s phone number and website?
Is Work to Live Financial Planning a scam or clone?
Is my money safe with Work to Live Financial Planning?
Who owns Work to Live Financial Planning?
Who runs Work to Live Financial Planning?
How long has Work to Live Financial Planning been in business?
What do Work to Live Financial Planning’s latest accounts show?
Does Work to Live Financial Planning use any other names?
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