BetterLife Financial Planning Limited

Reference number: 1033430

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

ValidPath Limited Reference number: 197107 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.
  • BetterLife Financial Planning Limited (FRN 1033430) is an AR of ValidPath Limited (FRN 197107). When you use BetterLife Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from BetterLife 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.

Identity

Check their details

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.

Company details

From the company's Companies House record.

Company number
16271642
Company status
Active
Company type
Private limited company
Incorporated
24 February 2025 (1 year old)
Registered office
13 Church Street, Helston, TR13 8TD, England
Nature of business
  • Financial management (SIC 70221)

Current directors and secretaries

Name Role Born Appointed
Toby Ashley Hines Director May 1974 24 Feb 2025

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is BetterLife Financial Planning Limited FCA authorised?
BetterLife Financial Planning Limited (FRN 1033430) 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 BetterLife 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. BetterLife Financial Planning Limited (FRN 1033430) is an AR of ValidPath Limited (FRN 197107). When you use BetterLife Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from BetterLife 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.
Is my money safe with BetterLife Financial Planning?
Protection works through ValidPath Limited, the principal firm responsible for BetterLife Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is BetterLife Financial Planning a scam or clone?
BetterLife Financial Planning is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is BetterLife Financial Planning's Firm Reference Number (FRN)?
BetterLife Financial Planning's FRN is 1033430. You can verify it on the FCA register.