Cohesion Financial Solutions Ltd

Reference number: 1040765

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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.
  • Cohesion Financial Solutions Ltd (FRN 1040765) is an AR of ValidPath Limited (FRN 197107). When you use Cohesion Financial Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cohesion Financial 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.

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.

  • No website on the FCA register

  • Phone number

    01727 322481

  • Address

    2 Victoria Square, Victoria Street, St Albans, Hertfordshire, AL1 3TF, United Kingdom

In the full report: 2 background checks

  • What kind of line 01727 322481 is
  • Who else gives the postcode AL1 3TF
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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
16549528
Company status
Active
Company type
Private limited company
Incorporated
30 June 2025 (1 year old)
Registered office
2 Victoria Square, Victoria Street, St Albans, Hertfordshire, AL1 3TF, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Paul Mark Stokes Director May 1975 30 Jun 2025 22 other companies

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
22
closed down
3
are FCA-registered
6

In the full report: all 22 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 6 on the FCA register
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Key dates in its history

Cohesion Financial Solutions’s history from the FCA register and Companies House, newest first.

2025

17 September 2025

  • Became an appointed representative

FCA register

30 June 2025

  • Incorporated at Companies House
  • Claire Louise Mellon became a part-owner (25–50% of shares)
  • Paul Mark Stokes became a part-owner (25–50% of shares)
  • Paul Mark Stokes appointed as a director

Companies House

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

Firms connected to Cohesion Financial Solutions

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

connected firms
4
no longer authorised
1
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
  • 6 past links through former directors
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Firms like Cohesion Financial Solutions

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

In St Albans

Andrew Brooks Wealth Planning LtdSt AlbansAppointed representativeBuckley Wealth LimitedSt AlbansAppointed representativeLifetime Wealth Management LimitedSt AlbansAppointed representativeMeena Halai Wealth Solutions LimitedSt AlbansAppointed representativeNicholas WalkerSt AlbansAppointed representativeRushmere Financial Planning LtdSt AlbansAppointed 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 Cohesion Financial Solutions

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

  • 22 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 5 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cohesion Financial Solutions Ltd FCA authorised?
Cohesion Financial Solutions Ltd (FRN 1040765) 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 Cohesion Financial 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. Cohesion Financial Solutions Ltd (FRN 1040765) is an AR of ValidPath Limited (FRN 197107). When you use Cohesion Financial Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cohesion Financial 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.
What is Cohesion Financial Solutions’ phone number?
The FCA register lists the phone number 01727 322481 for Cohesion Financial Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Cohesion Financial Solutions a scam or clone?
Cohesion Financial Solutions 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 Cohesion Financial Solutions?
Protection works through ValidPath Limited, the principal firm responsible for Cohesion Financial Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cohesion Financial Solutions?
Companies House lists 2 people with significant control of Cohesion Financial Solutions: Miss Claire Louise Mellon (25–50% of shares) and Mr Paul Mark Stokes (25–50% of shares).
Who runs Cohesion Financial Solutions?
Companies House lists one director of Cohesion Financial Solutions: Paul Mark Stokes.
How long has Cohesion Financial Solutions been in business?
The company was formed on 30 June 2025.

Sources and links

The full report on Cohesion Financial Solutions Ltd

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