ZOE REYNOLDS FINANCIAL SERVICES LIMITED

Reference number: 631123

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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.
  • ZOE REYNOLDS FINANCIAL SERVICES LIMITED (FRN 631123) is an AR of Vision Independent Financial Planning Ltd (FRN 487395). When you use ZOE REYNOLDS FINANCIAL SERVICES's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from ZOE REYNOLDS 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

    07961 546673

  • Verified address

    17A Barrs Road, Cradley Heath, Sandwell, B64 7HD, United Kingdom

Company details

From the company's Companies House record.

Company number
09154917
Company status
Active
Company type
Private limited company
Incorporated
31 July 2014 (12 years old)
Registered office
Spear House, Cobbett Road, Burntwood, Staffordshire, WS7 3GL, England
Nature of business
  • Fund management activities (SIC 66300)

Current directors and secretaries

Name Role Born Appointed
Zoe Elisha Reynolds Director Jun 1977 31 Jul 2014

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 ZOE REYNOLDS FINANCIAL SERVICES LIMITED FCA authorised?
ZOE REYNOLDS FINANCIAL SERVICES LIMITED (FRN 631123) 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 ZOE REYNOLDS 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. ZOE REYNOLDS FINANCIAL SERVICES LIMITED (FRN 631123) is an AR of Vision Independent Financial Planning Ltd (FRN 487395). When you use ZOE REYNOLDS FINANCIAL SERVICES's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from ZOE REYNOLDS 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 ZOE REYNOLDS FINANCIAL SERVICES?
Protection works through Vision Independent Financial Planning Ltd, the principal firm responsible for ZOE REYNOLDS FINANCIAL SERVICES's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is ZOE REYNOLDS FINANCIAL SERVICES a scam or clone?
ZOE REYNOLDS 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 ZOE REYNOLDS FINANCIAL SERVICES's Firm Reference Number (FRN)?
ZOE REYNOLDS FINANCIAL SERVICES's FRN is 631123. You can verify it on the FCA register.