David Ruler Financial Planning Limited

Reference number: 1013173

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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.
  • David Ruler Financial Planning Limited (FRN 1013173) is an AR of ValidPath Limited (FRN 197107). When you use David Ruler Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from David Ruler 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
11323496
Company status
Active
Company type
Private limited company
Incorporated
23 April 2018 (8 years old)
Registered office
3rd Floor 45 Albemarle Street, Mayfair, London, W1S 4JL, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Financial management (SIC 70221)

Current directors and secretaries

Name Role Born Appointed
David Peter Ruler Director Jan 1983 23 Apr 2018
Rebecca Louise Ruler Director Jul 1983 6 Jul 2022

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 David Ruler Financial Planning Limited FCA authorised?
David Ruler Financial Planning Limited (FRN 1013173) 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 David Ruler 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. David Ruler Financial Planning Limited (FRN 1013173) is an AR of ValidPath Limited (FRN 197107). When you use David Ruler Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from David Ruler 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 David Ruler Financial Planning?
Protection works through ValidPath Limited, the principal firm responsible for David Ruler Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is David Ruler Financial Planning a scam or clone?
David Ruler 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 David Ruler Financial Planning's Firm Reference Number (FRN)?
David Ruler Financial Planning's FRN is 1013173. You can verify it on the FCA register.