PLAN4YOU LTD
Plan4You Ltd is a small UK financial advisory practice providing investment, retirement, inheritance tax, and family/business protection planning to individuals and businesses as an Appointed Representative of Quilter Financial Limited.
- Company typePrivate
- Founded1985
- HeadquartersWatford, United Kingdom
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What PLAN4YOU LTD does
Plan4You Ltd is a small UK financial advisory practice operating as an Appointed Representative of Quilter Financial Limited, which is authorised and regulated by the Financial Conduct Authority. The firm delivers regulated financial advice to individuals, families and businesses across four core product areas: investment planning and wealth management, pre- and post-retirement planning, inheritance tax planning, and family and business protection. It is differentiated by a 'Professional Partnership Services' line that serves accountants and solicitors with integrated advice on trust reviews, investment of personal injury settlements, pension sharing on divorce, lump sums from employment tribunal awards, and probate case investments.
The firm was founded by Daren Baynes, who entered the UK insurance industry in 1985 and previously worked for three major insurers, and operates with 1-10 employees whose collective industry experience exceeds 70 years. Its go-to-market is sales-led and built on referrals from strategic partnerships with accountants, solicitors and other professional firms, complemented by joint seminar events, the firm website and direct phone/email contact. Revenue is generated via advisory fees and/or commissions on advised financial products, in line with the standard UK independent financial adviser appointed-representative model.
The company does not disclose any proprietary technology platform, software stack, or digital tooling beyond a content-managed website with categorised inquiry routing, and there are no patents, AI capabilities, integrations or app products referenced in the available material. Plan4You is registered in England & Wales (company number 09937589), operates from Great North Business Centre in Hatfield with a registered office in Watford, and targets UK consumers exclusively under the UK regulatory regime.
PLAN4YOU LTD firmographics
Firmographics- Name
- PLAN4YOU LTD
- Legal name
- Plan4You Ltd
- Website
- https://plan4you.co.uk
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Plan4You Ltd is a small UK financial advisory practice providing investment, retirement, inheritance tax, and family/business protection planning to individuals and businesses as an Appointed Representative of Quilter Financial Limited.
- Ownership category
- akta.pro rank
PLAN4YOU LTD industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Comprehensive Financial Planning (FSAEAAAA)
- akta.pro secondary industries
- Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Estate & Legacy Planning Advisory (FSAEAAAG), Family Business & Succession Advisory (FSAAADAL)
Keywords
Where PLAN4YOU LTD is headquartered
LocationHeadquarters
- HQ city
- Watford
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
PLAN4YOU LTD business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales
Revenue model
- Financial Advisory Services: Plan4You Ltd operates as an Appointed Representative of Quilter Financial Limited, providing professional financial advice to individuals and businesses. Revenue is generated through advisory fees and/or commissions from financial products advised upon, including investment planning, retirement planning, inheritance tax planning, and family/business protection products.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
PLAN4YOU LTD product offering
Product offeringCore offering
Plan4You Ltd provides professional financial advice for individuals and businesses, covering investment planning and wealth management, pre- and post-retirement planning, inheritance tax and estate planning, and family and business protection. The firm also delivers integrated advisory support to professional partners such as accountants and solicitors, including trust reviews, investment advice for personal injury settlements, pension sharing on divorce, and investments from probate and tribunal awards. As an Appointed Representative of Quilter Financial Limited, advice is delivered under Quilter's FCA authorisation.
Product overview
Plan4You Ltd operates as a financial advisory firm and Appointed Representative of Quilter Financial Limited, offering personalized financial planning services positioned as a 'Personal Satellite Navigation System' to guide clients to their financial destinations. The core product portfolio includes Investment Planning and Wealth Management, Pre and Post Retirement Planning, Inheritance Tax Planning, and Family and Business Protection. The company also provides Professional Partnership Services through strategic alliances with accountants and solicitors to deliver integrated advisory solutions for shared clients.
Differentiator
Problem solved
Functional benefit
Products and services
- Investment Planning and Wealth Management
Companies that use PLAN4YOU LTD
Customer profileSegments2 records
Ideal customer profiles3 records
PLAN4YOU LTD technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
PLAN4YOU LTD partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Quilter Financial LimitedcorePlan4You Ltd is an Appointed Representative of Quilter Financial Limited. Quilter Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA). This partnership allows Plan4You to provide regulated financial advice under Quilter's FCA authorisation. Note: The FCA does not regulate Trusts, Tax advice or Inheritance Tax and Estate Planning.
- Accountants (Professional Partners)coreStrategic partnership with accounting firms to deliver integrated financial planning advice to their clients. The partnership enables accountants to offer their clients a complete financial planning solution, including comprehensive trust review services and investment advice.
- Solicitors (Professional Partners)coreStrategic partnership with law firms to provide financial planning services for solicitor clients, particularly in areas such as investment advice for probate cases, pension sharing upon divorce, and investment advice for personal injury settlements.
- Other Professional Firms (Professional Partners)minorPartnership with various professional firms beyond accountants and solicitors to deliver integrated advice solutions. Joint seminar events are hosted with professional partners.
Scale indicators1 record
Recent moves5 records
Expansion highlights1 record
PLAN4YOU LTD competitors and assessment
Company assessmentDirect peers
- Charles Stanley: UK wealth manager providing discretionary and advisory investment management, retirement, and estate planning to private clients and intermediaries. Comparable target clients and service breadth to Plan4You.
- Rathbones Group: UK-listed wealth manager offering investment management, financial planning, and inheritance tax services to private clients, families, and trusts. Overlaps with Plan4You's core financial planning and estate planning proposition.
- Evelyn Partners (formerly Tilney): UK wealth manager and IFA providing investment management, retirement, tax, and estate planning to individuals and business owners. Directly comparable service mix to Plan4You but at materially greater scale.
- St. James's Place Wealth Management: UK's largest partnership-based IFA network serving individuals and businesses with investment, retirement, and protection advice. Operates a comparable advice-led model but at national scale and with proprietary funds.
- Killik & Co: London-based independent financial adviser focused on long-term financial planning, retirement, and intergenerational wealth transfer for individuals and families. Closest peer in size and traditional advice-led model.
Broad incumbents
- RBC Brewin Dolphin: UK private wealth manager offering investment management, financial planning, and advice to high-net-worth individuals, intermediaries, and charities. Larger-scale incumbent competing for the same UK advice market.
- Quilter plc: UK wealth management platform and parent of Quilter Financial Limited, under which Plan4You operates as an Appointed Representative. Provides the regulatory and platform infrastructure Plan4You relies on to deliver FCA-regulated advice.
Others
- True Potential Wealth Management: UK platform provider powering a national network of restricted advisers with integrated technology, investment funds, and app-based client engagement. Functions as enabling infrastructure and indirect competitor for traditional UK IFAs.
Emerging players
- Nutmeg: UK digital wealth manager offering low-cost ISAs, pensions, and general investment accounts with algorithm-driven portfolio advice. Represents the digital-first competitive threat to traditional IFAs like Plan4You.
- Moneyfarm: UK digital wealth manager offering robo-advice and managed portfolios plus human adviser access for higher tiers. Competes for the same UK retail advice clients with a lower-cost, tech-led model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
PLAN4YOU LTD social profiles
Digital presencePLAN4YOU LTD compliance and trust
Trust signalCompliance1 record
PLAN4YOU LTD financial estimates
Financial estimateRevenue estimate
Valuation estimate
PLAN4YOU LTD leadership team
Management profileNumber of profiles
Profiles1 record
PLAN4YOU LTD funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PLAN4YOU LTD M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PLAN4YOU LTD
What does PLAN4YOU LTD do?
Plan4You Ltd provides professional financial advice for individuals and businesses, covering investment planning and wealth management, pre- and post-retirement planning, inheritance tax and estate planning, and family and business protection. The firm also delivers integrated advisory support to professional partners such as accountants and solicitors, including trust reviews, investment advice for personal injury settlements, pension sharing on divorce, and investments from probate and tribunal awards. As an Appointed Representative of Quilter Financial Limited, advice is delivered under Quilter's FCA authorisation.
Is PLAN4YOU LTD a public or private company?
PLAN4YOU LTD is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PLAN4YOU LTD founded?
PLAN4YOU LTD was founded in 1985. It employs 1 to 10 people.
Where is PLAN4YOU LTD based?
PLAN4YOU LTD is headquartered in Watford, United Kingdom, in the Europe region.
How does PLAN4YOU LTD make money?
One revenue line is on record: financial Advisory Services.
Who are PLAN4YOU LTD's main competitors?
Direct peers on record are Charles Stanley, Rathbones Group, Evelyn Partners (formerly Tilney), St. James's Place Wealth Management and Killik & Co. Broad incumbents are RBC Brewin Dolphin and Quilter plc. True Potential Wealth Management is listed as an others. Emerging players are Nutmeg and Moneyfarm.
Does PLAN4YOU LTD have an API?
No public API is recorded for PLAN4YOU LTD.
What industry is PLAN4YOU LTD in?
PLAN4YOU LTD's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAEAAAA, Comprehensive Financial Planning, with a secondary code of FSAEABAE, Employer Retirement Plan Advisory (401(k)/Pension). Its NAICS code is 523940 and its SIC code is 6282.