Cross Border Financial Planning Limited

Reference number: 736360

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

INDEPENDENT FINANCIAL SERVICES 4 YOU LIMITED Reference number: 518498 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.
  • Cross Border Financial Planning Limited (FRN 736360) is an AR of INDEPENDENT FINANCIAL SERVICES 4 YOU LIMITED (FRN 518498). When you use Cross Border Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cross Border 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.

  • No website on the FCA register

  • Verified phone number

    01249 588103

  • Verified address

    Suite 1 6 Union Road, Chippenham, Wilts, SN15 1HW, England

Also trades as
  • CBFP
  • Cross Border
  • Cross Border FP

Company details

From the company's Companies House record.

Company number
09955592
Company status
Active
Company type
Private limited company
Incorporated
18 January 2016 (10 years old)
Registered office
Suite 1 6 Union Road, Chippenham, Wilts, SN15 1HW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Robert Lawrence Vigor Hardwicke Director May 1967 26 Aug 2022
Edward James Benjamin Coles Director May 1991 2 Sep 2025
Philip Richard Owen Teague Director Jun 1979 2 Sep 2025
Robert Hardwicke Secretary Not published 18 Jan 2016

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 INDEPENDENT FINANCIAL SERVICES 4 YOU 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 Cross Border Financial Planning Limited FCA authorised?
Cross Border Financial Planning Limited (FRN 736360) 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 Cross Border 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. Cross Border Financial Planning Limited (FRN 736360) is an AR of INDEPENDENT FINANCIAL SERVICES 4 YOU LIMITED (FRN 518498). When you use Cross Border Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cross Border 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 Cross Border Financial Planning?
Protection works through INDEPENDENT FINANCIAL SERVICES 4 YOU LIMITED, the principal firm responsible for Cross Border Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Cross Border Financial Planning a scam or clone?
Cross Border 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 Cross Border Financial Planning's Firm Reference Number (FRN)?
Cross Border Financial Planning's FRN is 736360. You can verify it on the FCA register.