Planwise Financial Services Ltd

Reference number: 496478

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

A.J. OPTIONS LIMITED Reference number: 613250 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.
  • Planwise Financial Services Ltd (FRN 496478) is an AR of A.J. OPTIONS LIMITED (FRN 613250). When you use Planwise Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Planwise Financial Services, 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

    01383 223136

  • Verified address

    3 Arniston Road, Dunfermline, Fife, KY11 8EU, United Kingdom

Company details

From the company's Companies House record.

Company number
SC352778
Company status
Active
Company type
Private limited company
Incorporated
22 December 2008 (17 years old)
Registered office
41 Norton Place, Dunfermline, KY11 4RQ
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Lesley Sokell Director Apr 1962 22 Dec 2008

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 A.J. OPTIONS 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 Planwise Financial Services Ltd FCA authorised?
Planwise Financial Services Ltd (FRN 496478) 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 Planwise Financial Services?
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. Planwise Financial Services Ltd (FRN 496478) is an AR of A.J. OPTIONS LIMITED (FRN 613250). When you use Planwise Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Planwise Financial Services, 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 Planwise Financial Services?
Protection works through A.J. OPTIONS LIMITED, the principal firm responsible for Planwise Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Planwise Financial Services a scam or clone?
Planwise Financial Services 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 Planwise Financial Services's Firm Reference Number (FRN)?
Planwise Financial Services's FRN is 496478. You can verify it on the FCA register.