Bluewater Financial Planning Limited: FCA regulated?

Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Appointed for 15 years
Protected through the principal
No FCA actions
Active company since 2002
Accounts filed up to 31 March 2022
One of its directors is also a director of a firm that is no longer authorised

Responsible principal firm

Soderberg & Partners Financial Planning Limited Reference number: 671601 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.
Bluewater Financial Planning Limited (FRN 542284) is an AR of Soderberg & Partners Financial Planning Limited (FRN 671601). When you use Bluewater Financial Planning's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Bluewater 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Bluewater Financial Planning Limited Reference number: 1057527 Appointed rep

Website, phone number and address

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.

Website

bluewaterfinancial.co.uk (opens in a new tab)
Phone number

028 9024 4288
Address

Office 2, Innovation House, Down Business Centre, 46 Belfast Road, Down Patrick, BT30 9UP, Northern Ireland

In the full report: 3 background checks

When bluewaterfinancial.co.uk first appeared online, and whether it can receive email
What kind of line 028 9024 4288 is
Who else gives the postcode BT30 9UP

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Soderberg & Partners Financial Planning 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 Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: NI044959 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 10 December 2002 (23 years old)
Registered office: Office 2 Innovation House Down Business Centre, 46 Belfast Road, Downpatrick, Co. Down, BT30 9UP
Nature of business: Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Mark John Henry Burns	Director	Mar 1972	16 Dec 2002	1 other company
Duncan Louis James Mckillop	Director	Oct 1966	17 Apr 2026	27 other companies
Dolores Burns	Director	Aug 1973	17 Apr 2026	None
Mark Burns	Secretary	Not published	10 Dec 2002	–

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 28
closed down: 3
are FCA-registered: 15

In the full report: all 28 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 15 on the FCA register, including 3 no longer authorised
All 6 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2022Small company accountsNot audited

Net assets

£267k

+46% from £183k

Cash at bank

£6,048

+7.2% from £5,643

Employees (average)

0

−100% from 6

Owed within a year

£203k

−16% from £243k

Assets and liabilities

About these figures

Turnover: Money taken from sales in the year, before any costs.
Profit before tax: What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity: Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities: Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank: Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year: Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company NI044959. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Bluewater Financial Planning’s history from the FCA register and Companies House, newest first.

Key events (3) All events (10)

2016

30 June 2016

Mark Burns became the majority owner (50–75% of shares)

Companies House

2011

28 February 2011

Became an appointed representative

FCA register

2002

10 December 2002

Incorporated at Companies House

Companies House

In the full report: all 10 events

All 10 events in its history (3 shown here)
Every director appointment and resignation: 7

Firms connected to Bluewater Financial Planning

Other FCA-listed firms that share a director, phone number or address with Bluewater Financial Planning. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 12
no longer authorised: 2
share a director: 11

In the full report: all 12 connected firms, named

How each is linked: shared directors (11), the same postcode (1)
Who links each one: the named directors, with dates

Firms like Bluewater Financial Planning

Other firms of the same type (financial adviser), nearest first.

In the Belfast (BT) postcode area

4Front Financial Management LLPBelfastAppointed representative Absolute Protection and Wealth LtdDungannonAppointed representative Accent Financial Planning LimitedCraigavonAppointed representative Aidan KearnsDerryAppointed representative Aidan O'NeillOmaghAppointed representative Aligned Financial Planning LTDCraigavonAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Bluewater Financial Planning

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

28 other companies its directors have run, named
3 background checks on its contact details
All 10 events in its history
12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Bluewater Financial Planning Limited FCA authorised?

Bluewater Financial Planning Limited (FRN 542284) 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 Bluewater 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. Bluewater Financial Planning Limited (FRN 542284) is an AR of Soderberg & Partners Financial Planning Limited (FRN 671601). When you use Bluewater Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Bluewater 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.

What is Bluewater Financial Planning’s phone number and website?

The FCA register lists the phone number 028 9024 4288 and the website bluewaterfinancial.co.uk for Bluewater Financial Planning. If you were given different contact details, use these to check with the firm before going any further.

Is Bluewater Financial Planning a scam or clone?

Bluewater Financial Planning is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

Is my money safe with Bluewater Financial Planning?

Protection works through Soderberg & Partners Financial Planning Limited, the principal firm responsible for Bluewater Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Bluewater Financial Planning?

Companies House lists one person with significant control of Bluewater Financial Planning: Mr Mark Burns (50–75% of shares).

Who runs Bluewater Financial Planning?

Companies House lists 3 directors of Bluewater Financial Planning: Mark John Henry Burns, Duncan Louis James McKillop and Dolores Burns.

How long has Bluewater Financial Planning been in business?

The company was formed on 10 December 2002.

What do Bluewater Financial Planning’s latest accounts show?

Its latest accounts, to 31 March 2022, show net assets of £267k (+46% from £183k) and cash at bank of £6,048 (+7.2% from £5,643).