CJ Financial Management Limited

Reference number: 1053081

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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.

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.
  • CJ Financial Management Limited (FRN 1053081) is an AR of ValidPath Limited (FRN 197107). When you use CJ Financial Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from CJ Financial Management, 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.

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.

In the full report: 3 background checks

  • When cjfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 0141 401 0400 is
  • Who else gives the postcode G2 1QX
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FCA permissions and consumer protection

  • 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 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
SC876542
Company status
Active
Company type
Private limited company
Incorporated
26 January 2026 (less than a year old)
Registered office
8 Douglas Street, Hamilton, Lanarkshire, ML3 0BP, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jennifer Phillips Mcculloch Director Oct 1983 26 Jan 2026 None
Carol Thomson Sneddon Director May 1979 26 Jan 2026 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Key dates in its history

CJ Financial Management’s history from the FCA register and Companies House, newest first.

2026

6 May 2026

  • Became an appointed representative

FCA register

26 January 2026

  • Incorporated at Companies House
  • Carol Thomson Sneddon became a part-owner (25–50% of shares)
  • Jennifer Phillips McCulloch became a part-owner (25–50% of shares)
  • Carol Thomson Sneddon appointed as a director
  • Jennifer Phillips McCulloch appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like CJ Financial Management

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

In Glasgow

A and A Accounting LtdGlasgowAppointed representativeA Henderson Financial Planning LtdGlasgowAppointed representativeAlexander Campbell McLaughlanGlasgowAppointed representativeAnderson Mortgages (Scotland) LimitedGlasgowAppointed representativeAnthony Blake Financial Planning LtdGlasgowAppointed representativeBlackmount Private Wealth LimitedGlasgowAppointed 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 CJ Financial Management

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is CJ Financial Management Limited FCA authorised?
CJ Financial Management Limited (FRN 1053081) 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 CJ Financial Management?
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. CJ Financial Management Limited (FRN 1053081) is an AR of ValidPath Limited (FRN 197107). When you use CJ Financial Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from CJ Financial Management, 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 CJ Financial Management’s phone number and website?
The FCA register lists the phone number 0141 401 0400 and the website cjfinancial.co.uk for CJ Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is CJ Financial Management a scam or clone?
CJ Financial Management 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 CJ Financial Management?
Protection works through ValidPath Limited, the principal firm responsible for CJ Financial Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns CJ Financial Management?
Companies House lists 2 people with significant control of CJ Financial Management: Mrs Jennifer Phillips McCulloch (25–50% of shares) and Miss Carol Thomson Sneddon (25–50% of shares).
Who runs CJ Financial Management?
Companies House lists 2 directors of CJ Financial Management: Jennifer Phillips McCulloch and Carol Thomson Sneddon.
How long has CJ Financial Management been in business?
The company was formed on 26 January 2026.

Sources and links

The full report on CJ Financial Management Limited

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