Cosgrove Brown Financial Planning Ltd

Reference number: 582467

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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.
  • Cosgrove Brown Financial Planning Ltd (FRN 582467) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Cosgrove Brown Financial Planning's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cosgrove Brown 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.

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 cosgrovebrown.co.uk first appeared online, and whether it can receive email
  • What kind of line 01792 583607 is
  • Who else gives the postcode SA4 9HJ
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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 number
07874385
Company status
Active
Company type
Private limited company
Incorporated
7 December 2011 (14 years old)
Registered office
Unit 1 Ground Floor Dragon 24, Penllergaer Business Park, Swansea, SA4 9HJ, Wales
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Andrew Brown Director Mar 1964 7 Dec 2011 None
Teresa Ann Brown Director Sep 1967 15 Jul 2024 4 other companies

Other companies run by these 2 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
4
closed down
3
still active
1

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

£322k

−13% from £369k

Cash at bank

£31.0k

−35% from £47.9k

Employees (average)

9

Same as 9

Owed within a year

£49.5k

+21% from £40.9k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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.

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

Accounts filed at Companies House for company 07874385. 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

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

Key events (5) All events (9)

2023

22 July 2023

  • Garry Cosgrove stopped being a part-owner

Companies House

2016

6 April 2016

  • Garry Cosgrove became a part-owner (25–50% of shares)
  • Ian Andrew Brown took control (75–100% of shares)

Companies House

2012

6 June 2012

  • Became an appointed representative

FCA register

2011

7 December 2011

  • Incorporated at Companies House

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 4
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Firms like Cosgrove Brown Financial Planning

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

In Swansea

Ashley Kissick Financial Advisers LtdSwanseaAppointed representativeDavies & Preedy Financial Planning LtdSwanseaAppointed representativeGood Financial Advice LimitedSwanseaAppointed representativeGreen Castle Financial Planning LtdSwanseaAppointed representativeJonathan Cook ReesSwanseaAppointed representativeKath Atkin-Bowdler Financial Services LtdSwanseaAppointed 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 Cosgrove Brown Financial Planning

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

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 9 events in its history

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Frequently asked questions about this firm

Is Cosgrove Brown Financial Planning Ltd FCA authorised?
Cosgrove Brown Financial Planning Ltd (FRN 582467) 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 Cosgrove Brown 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. Cosgrove Brown Financial Planning Ltd (FRN 582467) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Cosgrove Brown Financial Planning's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cosgrove Brown 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 Cosgrove Brown Financial Planning’s phone number and website?
The FCA register lists the phone number 01792 583607 and the website cosgrovebrown.co.uk for Cosgrove Brown Financial Planning. If you were given different contact details, use these to check with the firm before going any further.
Is Cosgrove Brown Financial Planning a scam or clone?
Cosgrove Brown 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 Cosgrove Brown Financial Planning?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Cosgrove Brown Financial Planning's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cosgrove Brown Financial Planning?
Companies House lists one person with significant control of Cosgrove Brown Financial Planning: Ian Andrew Brown (75–100% of shares). Before that, it was controlled by Mr Garry Cosgrove.
Who runs Cosgrove Brown Financial Planning?
Companies House lists 2 directors of Cosgrove Brown Financial Planning: Ian Andrew Brown and Teresa Ann Brown.
How long has Cosgrove Brown Financial Planning been in business?
The company was formed on 7 December 2011.
What do Cosgrove Brown Financial Planning’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £322k (−13% from £369k) and cash at bank of £31.0k (−35% from £47.9k).

Sources and links

The full report on Cosgrove Brown Financial Planning Ltd

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