CJP Financial Services Ltd

Reference number: 466798

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • CJP Financial Services Ltd (FRN 466798) is an AR of Quilter Financial Services Limited (FRN 440703). When you use CJP Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from CJP 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.

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 financialopts.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 764 9944 is, and the 4 other firms that give it
  • Who else gives the postcode BL8 3AN
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Other names (8)

If you were contacted under any of these names, it is this firm.

  • CJP Financial Services t/a Financial Options Trading name
  • Financial Options Trading name
  • Financial Options Group Trading name
  • Kennedy Private Wealth Trading name
  • a & b Financial Options Former trading name
  • Life Cover made Easy Former trading name
  • Mortgage Options Former trading name
  • Pearson Ferrier Financial Services Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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 name
CJP FINANCIAL SERVICES LIMITED
Company number
06060099
Company status
Active
Company type
Private limited company
Incorporated
22 January 2007 (19 years old)
Registered office
70 Market Street, Tottington, Bury, BL8 3LJ
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Christian John Pepper Director Jan 1973 8 Feb 2007 27 other companies
Sarah Kendell Secretary Not published 8 Feb 2007 –

Other companies run by its director

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
27
closed down
13
are FCA-registered
4

In the full report: all 27 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The 4 on the FCA register
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£194k

+60% from £121k

Cash at bank

£115k

+21% from £95.2k

Owed within a year

£293k

−5.5% from £310k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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.

Accounts filed at Companies House for company 06060099. 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

CJP Financial Services’s history from the FCA register and Companies House, newest first.

Key events (5) All events (18)

2019

31 January 2019

  • Christian J. Pepper Holdings Limited took control (75–100% of shares)
  • Christian John Pepper gave up control

Companies House

2016

21 December 2016

  • Christian John Pepper took control (75–100% of shares)

Companies House

2007

17 April 2007

  • Became an appointed representative

FCA register

22 January 2007

  • Incorporated at Companies House

Companies House

In the full report: all 18 events

  • All 18 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms connected to CJP Financial Services

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

connected firms
5
share a director
3
share its phone number
4

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (3), the same phone number (4), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like CJP Financial Services

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

In Bury

Breaks Wealth Management LtdBuryAppointed representativeBury Financial Advisers LimitedBuryAppointed representativeCrawford Wealth Management LtdBuryAppointed representativeFinancial Options Wealth Management LtdBuryAppointed representativeHunt Minas Wealth Management LtdBuryAppointed representativeLaura Higginson Financial Planning LtdBuryAppointed 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 CJP Financial Services

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

  • 27 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 18 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is CJP Financial Services Ltd FCA authorised?
CJP Financial Services Ltd (FRN 466798) 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 CJP 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. CJP Financial Services Ltd (FRN 466798) is an AR of Quilter Financial Services Limited (FRN 440703). When you use CJP Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from CJP 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.
What is CJP Financial Services’ phone number and website?
The FCA register lists the phone number 0161 764 9944 and the website financialopts.co.uk for CJP Financial Services. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 4 other FCA firms.
Is CJP Financial Services a scam or clone?
CJP Financial Services 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 CJP Financial Services?
Protection works through Quilter Financial Services Limited, the principal firm responsible for CJP Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns CJP Financial Services?
CJP Financial Services is owned by Christian J. Pepper Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 31 January 2019. Before that, it was controlled by Mr Christian John Pepper.
Who runs CJP Financial Services?
Companies House lists one director of CJP Financial Services: Christian John Pepper.
How long has CJP Financial Services been in business?
The company was formed on 22 January 2007.
What do CJP Financial Services’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £194k (+60% from £121k) and cash at bank of £115k (+21% from £95.2k).
Does CJP Financial Services use any other names?
It trades as CJP Financial Services t/a Financial Options, Financial Options, Financial Options Group and Kennedy Private Wealth. It has previously used 4 other names, including a & b Financial Options, Life Cover made Easy and Mortgage Options.

Sources and links

The full report on CJP Financial Services Ltd

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