Midwinter Financial Planning LTD

Reference number: 849415

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

ValidPath Limited Reference number: 197107 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.
  • Midwinter Financial Planning LTD (FRN 849415) is an AR of ValidPath Limited (FRN 197107). When you use Midwinter Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Midwinter 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

    07786 782274

  • Verified address

    The North Colchester Business Centre, 340 The Crescent, Colchester, Essex, CO4 9AD, United Kingdom

Company details

From the company's Companies House record.

Company number
12238066
Company status
Active
Company type
Private limited company
Incorporated
1 October 2019 (6 years old)
Registered office
18 Packe Close, Feering, Colchester, Essex, CO5 9LP, England
Nature of business
  • Financial management (SIC 70221)

Current directors and secretaries

Name Role Born Appointed
Daniel Midwinter Director Nov 1982 1 Oct 2019

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 ValidPath 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 Midwinter Financial Planning LTD FCA authorised?
Midwinter Financial Planning LTD (FRN 849415) 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 Midwinter 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. Midwinter Financial Planning LTD (FRN 849415) is an AR of ValidPath Limited (FRN 197107). When you use Midwinter Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Midwinter 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 Midwinter Financial Planning?
Protection works through ValidPath Limited, the principal firm responsible for Midwinter Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Midwinter Financial Planning a scam or clone?
Midwinter 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 Midwinter Financial Planning's Firm Reference Number (FRN)?
Midwinter Financial Planning's FRN is 849415. You can verify it on the FCA register.