Gerard Morgan

Reference number: 407382

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Appointed representative

Gerard Morgan 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

Cornerstone Finance Group Ltd Reference number: 767202 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.
  • Gerard Morgan (FRN 407382) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Gerard Morgan's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Gerard Morgan, 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.

Also trades as
  • Advoco Morgan Financial Services

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 Cornerstone Finance Group Ltd, 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.

Previously registered as

The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Advoco
  • Advoco Financial Services

Names it no longer trades under

This firm has retired 3 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • Advoco
  • Advoco Financial Services
  • Advoco Morgan

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Common questions

Frequently asked questions

Is Gerard Morgan FCA authorised?
Gerard Morgan (FRN 407382) 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 Gerard Morgan?
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. Gerard Morgan (FRN 407382) is an AR of Cornerstone Finance Group Ltd (FRN 767202). When you use Gerard Morgan's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Gerard Morgan, 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 Gerard Morgan?
Protection works through Cornerstone Finance Group Ltd, the principal firm responsible for Gerard Morgan's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Gerard Morgan a scam or clone?
Gerard Morgan 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 Gerard Morgan's Firm Reference Number (FRN)?
Gerard Morgan's FRN is 407382. You can verify it on the FCA register.