Yorkshire Rose Financial Planning

What Yorkshire Rose Financial Planning does

Yorkshire Rose Financial Planning Ltd is an independent financial advisory firm headquartered in Boston Spa, near Wetherby in West Yorkshire, England. Founded in 2017 and led by Gary Lumb, the firm provides fee-based advice across pension planning, savings and investments, tax planning, insurance, and corporate financial services for individual consumers, families, and small business owners in the Yorkshire region. The firm holds FCA regulatory authorisation as an appointed representative of Sense Network Ltd under FS Register reference 778188, enabling it to deliver regulated advice on pensions, investments, and insurance while clearly disclosing that tax and trust advice are not FCA-regulated.

Name

Yorkshire Rose Financial Planning

Legal name

Yorkshire Rose Financial Planning Ltd

Website

https://yrfp.co.uk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Yorkshire Rose Financial Planning is an FCA-regulated, fee-based independent financial advisory firm in Wetherby, West Yorkshire, serving individual consumers, families, and small business owners with pension, investment, tax, retirement, and insurance planning advice.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Insurance and Employee Benefit Funds (5251)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Tax-Aware Investment Planning (FSAEAAAE), Estate & Legacy Planning Advisory (FSAEAAAG), Business Owner & Executive Financial Planning (FSAEAAAO)

Keywords

• Independent financial advice
• Retirement planning services
• Pension advisory services
• Tax planning services
• Wealth management advice

Headquarters

HQ city

Wetherby

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Fee-Based Financial Advisory Services: The firm operates on a fee-based model rather than commission-based product sales, providing impartial financial advice. Clients pay for advice and planning services through a clear, transparent fee structure. The firm emphasizes that advice is not financially motivated by product sales.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Yorkshire Rose Financial Planning delivers fee-based independent financial advice to individual consumers, families, and business owners. Its core service lines cover personal financial planning, pension and retirement planning, savings and investments, tax planning, insurance, and corporate financial planning. The firm operates as an FCA-regulated appointed representative of Sense Network Ltd and does not earn commission on product sales.

Product overview

Yorkshire Rose Financial Planning is an independent financial advisory firm offering a unified financial planning and advice service through its core financial planning and free initial consultation offerings. The firm provides integrated services across six key areas: Corporate Services (pension schemes, auto-enrolment, shareholder agreements, capital extraction, employee benefits), Savings & Investments (ISAs, bonds, collectives, trusts), Tax Planning (inheritance tax, estate planning, capital gains tax, income tax), Pension Services (personal pensions, company pensions, drawdown/annuities, SSAS, SIPPs), Insurance Services (life insurance, critical illness cover, mortgage protection, income protection, relevant life insurance, key man insurance, whole of life insurance, private health insurance), and Ongoing Review Services. The firm also offers educational guides under sub-brands covering tax allowances, wealth management, estate planning, and the value of financial planning. Services are delivered with transparent fee structures and are regulated by the Financial Conduct Authority (reference 778188) through an appointed representative relationship with Sense Network Ltd.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Financial Planning Holistic financial planning service for individual clients covering budgeting, savings strategy, protection, and long-term goal planning. Delivered as a fee-based ongoing advisory mandate.
• Retirement and Pension Planning Advisory service covering pension consolidation, retirement income planning, and at/near-retirement drawdown strategies for individual clients.
• Savings and Investment Advice Independent savings and investment advisory service, recommending products from the whole of the market on a fee basis rather than commission.
• Tax Planning Personal tax planning advisory service for individual clients, integrated with broader financial planning.
• Insurance and Protection Advice Independent advice on life insurance, income protection, critical illness, and other personal protection products, recommended on a fee basis.
• Corporate Financial Planning Corporate financial planning service for business owners and small companies, typically covering director pensions, group protection, and business continuity planning, integrated with the owner's personal financial plan.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Sense Network LtdcoreStrategic or Co-development PartnerYorkshire Rose Financial Planning Ltd is an appointed representative of Sense Network Ltd. Sense Network Ltd is authorised and regulated by the Financial Conduct Authority (FCA). This appointed representative relationship provides Yorkshire Rose with FCA regulatory authorisation, allowing the firm to provide regulated financial advice under Sense Network's FCA permissions. The relationship is structural and essential to the firm's regulatory status.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Emerging players

• Moneyfarm: UK and Italian digital wealth manager combining robo-advice with human adviser access. Comparable to Yorkshire Rose's mass-market positioning and investment management focus, but operating at much lower cost via a technology-led hybrid model.
• Nutmeg: UK robo-advisor offering ISAs, pensions, and general investment accounts to mass-market consumers. Comparable to Yorkshire Rose in targeting the 'advice is for everyone' segment Yorkshire Rose explicitly claims, but competing via low-cost digital delivery rather than in-person advice.

Broad incumbents

• Rathbones: UK wealth manager providing investment management and financial planning. Comparable to Yorkshire Rose in offering personalised financial advice and portfolio management, though serving primarily higher-net-worth clients through a national office network.
• True Potential: UK restricted-advice network using an appointed-representative structure similar in concept to Sense Network. Comparable to Yorkshire Rose's distribution model and mass-market positioning, but with proprietary technology and a national adviser base.
• AJ Bell: UK investment platform with a growing advised division. Comparable to Yorkshire Rose in offering SIPPs, ISAs, and pension products to UK consumers, but operates at much larger scale with both DIY and advised propositions.
• Brewin Dolphin: UK wealth manager offering investment management and financial planning to private clients. Comparable to Yorkshire Rose in providing comprehensive financial planning and investment advisory services, but focused on higher-net-worth segments and operating from multiple UK offices.
• St. James's Place: UK's largest wealth management group with a partnership model of restricted financial advisers. Comparable to Yorkshire Rose in delivering adviser-led financial planning to UK consumers, but at vastly greater scale with proprietary funds and a national footprint.
• Evelyn Partners (formerly Tilney): UK wealth management and professional services group. Comparable to Yorkshire Rose in delivering integrated financial planning, tax, and investment advisory services, though at significantly greater scale with national coverage.
• Hargreaves Lansdown: Leading UK direct-to-consumer investment platform offering ISAs, pensions, and funds. Comparable to Yorkshire Rose in serving UK retail investors seeking ISA, pension and investment products, though delivered via a self-service platform rather than face-to-face advice.

Others

• Sense Network Ltd: FCA-authorised network of appointed representative financial advisers and the regulatory host for Yorkshire Rose. Comparable as the infrastructure provider that enables Yorkshire Rose to operate, not a competitor, but the most direct operational analogue for the firm's compliance and support model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/yorkshirerosefinancialplanning
• LinkedInlinkedin.com/in/garylumb

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Yorkshire Rose Financial Planning