Smart Money Solutions Ltd

Reference number: 409755

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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

F&R Associates Reference number: 450712 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.
  • Smart Money Solutions Ltd (FRN 409755) is an AR of F&R Associates (FRN 450712). When you use Smart Money Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Smart Money Solutions, 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.

Company details

From the company's Companies House record.

Company name
SMART MONEY SOLUTIONS LIMITED
Company number
04529347
Company status
Active
Company type
Private limited company
Incorporated
9 September 2002 (23 years old)
Registered office
Turpins Way 33 High Dyke, Harrowby, Grantham, Lincs, NG31 9ER
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Life insurance (SIC 65110)
  • Life reinsurance (SIC 65201)

Current directors and secretaries

Name Role Born Appointed
Timothy Radley Director May 1967 9 Sep 2002
Stephen Frank Foster Director Jan 1955 1 Apr 2004

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 F&R Associates, 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 Smart Money Solutions Ltd FCA authorised?
Smart Money Solutions Ltd (FRN 409755) 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 Smart Money Solutions?
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. Smart Money Solutions Ltd (FRN 409755) is an AR of F&R Associates (FRN 450712). When you use Smart Money Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Smart Money Solutions, 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 Smart Money Solutions?
Protection works through F&R Associates, the principal firm responsible for Smart Money Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Smart Money Solutions a scam or clone?
Smart Money Solutions 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 Smart Money Solutions's Firm Reference Number (FRN)?
Smart Money Solutions's FRN is 409755. You can verify it on the FCA register.