Lab Financial Planning Ltd

Reference number: 1002078

Instant download

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.
  • Lab Financial Planning Ltd (FRN 1002078) is an AR of ValidPath Limited (FRN 197107). When you use Lab Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lab 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
14910640
Company status
Active
Company type
Private limited company
Incorporated
2 June 2023 (3 years old)
Registered office
Desklodge House, Redcliffe Way, Bristol, BS1 6NL, England
Nature of business
  • Financial management (SIC 70221)

Current directors and secretaries

Name Role Born Appointed
James Lee Flook Director May 1989 2 Jun 2023
Matthew Goddard Director Oct 1991 30 Sep 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.

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Lab Financial Planning Ltd FCA authorised?
Lab Financial Planning Ltd (FRN 1002078) 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 Lab 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. Lab Financial Planning Ltd (FRN 1002078) is an AR of ValidPath Limited (FRN 197107). When you use Lab Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lab 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 Lab Financial Planning?
Protection works through ValidPath Limited, the principal firm responsible for Lab Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Lab Financial Planning a scam or clone?
Lab 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 Lab Financial Planning's Firm Reference Number (FRN)?
Lab Financial Planning's FRN is 1002078. You can verify it on the FCA register.