HARNESS WEALTH MANAGEMENT LTD

Reference number: 665284

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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

Vision Independent Financial Planning Ltd Reference number: 487395 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.
  • HARNESS WEALTH MANAGEMENT LTD (FRN 665284) is an AR of Vision Independent Financial Planning Ltd (FRN 487395). When you use HARNESS WEALTH MANAGEMENT's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from HARNESS WEALTH MANAGEMENT, 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

    07920 017625

  • Verified address

    14 Argyll Avenue, Buckshaw Village, Chorley, Lancashire, PR7 7HB, United Kingdom

Company details

From the company's Companies House record.

Company number
08605634
Company status
Active
Company type
Private limited company
Incorporated
11 July 2013 (13 years old)
Registered office
14 Argyll Avenue, Buckshaw Village, Chorley, PR7 7HB, England
Nature of business
  • Management consultancy activities other than financial management (SIC 70229)

Current directors and secretaries

Name Role Born Appointed
Darren Arnold Harness Director Jun 1968 11 Jul 2013
Damian Christopher Nickson Director Oct 1972 2 Jan 2026

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 Vision Independent Financial Planning 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.

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Common questions

Frequently asked questions

Is HARNESS WEALTH MANAGEMENT LTD FCA authorised?
HARNESS WEALTH MANAGEMENT LTD (FRN 665284) 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 HARNESS WEALTH MANAGEMENT?
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. HARNESS WEALTH MANAGEMENT LTD (FRN 665284) is an AR of Vision Independent Financial Planning Ltd (FRN 487395). When you use HARNESS WEALTH MANAGEMENT's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from HARNESS WEALTH MANAGEMENT, 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 HARNESS WEALTH MANAGEMENT?
Protection works through Vision Independent Financial Planning Ltd, the principal firm responsible for HARNESS WEALTH MANAGEMENT's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is HARNESS WEALTH MANAGEMENT a scam or clone?
HARNESS WEALTH MANAGEMENT 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 HARNESS WEALTH MANAGEMENT's Firm Reference Number (FRN)?
HARNESS WEALTH MANAGEMENT's FRN is 665284. You can verify it on the FCA register.