Andrew Paul Zbijowski

Reference number: 940018

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Appointed representative

Andrew Paul Zbijowski does not hold FCA authorisation of their own. It acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

2 Plan Wealth Management Limited Reference number: 461598 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.
  • Andrew Paul Zbijowski (FRN 940018) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Andrew Paul Zbijowski's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Andrew Paul Zbijowski, 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.

  • No website on the FCA register

  • Verified phone number

    0117 954 1372

  • Verified address

    165 Lower Conham Vale, Bristol, Somerset, BS15 3AU, United Kingdom

Also trades as
  • AZ Financial

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 2 Plan Wealth Management 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 Andrew Paul Zbijowski FCA authorised?
Andrew Paul Zbijowski (FRN 940018) 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 Andrew Paul Zbijowski?
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. Andrew Paul Zbijowski (FRN 940018) is an AR of 2 Plan Wealth Management Limited (FRN 461598). When you use Andrew Paul Zbijowski's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Andrew Paul Zbijowski, 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 Andrew Paul Zbijowski?
Protection works through 2 Plan Wealth Management Limited, the principal firm responsible for Andrew Paul Zbijowski's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Andrew Paul Zbijowski a scam or clone?
Andrew Paul Zbijowski 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 Andrew Paul Zbijowski's Firm Reference Number (FRN)?
Andrew Paul Zbijowski's FRN is 940018. You can verify it on the FCA register.