Cut 7 Advisers Ltd: 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 2 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 December 2025
On its latest accounts it owed £290k more than it owned

Responsible principal firm

Sapia Partners LLP Reference number: 550103 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.
CUT 7 ADVISERS LTD (FRN 1008044) is an AR of Sapia Partners LLP (FRN 550103). When you use CUT 7 ADVISERS's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from CUT 7 ADVISERS, 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

020 3597 0242
Address

Aythorpe Manor, Aythorpe Roding, Dunmow, Essex, CM6 1PD, United Kingdom

In the full report: 2 background checks

What kind of line 020 3597 0242 is
Who else gives the postcode CM6 1PD

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Sapia Partners LLP, 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: 13866906 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 24 January 2022 (4 years old)
Registered office: Aythorpe Manor, Aythorpe Roding, Great Dunmow, Essex, CM6 1PD, United Kingdom
Nature of business: Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Shaun David Carl Edgar Lynn	Director	Nov 1962	24 Jan 2022	2 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: 2
closed down: 1
still active: 1

In the full report: all 2 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
All 2 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Total equity

−£290k

Down £197k from −£93.1k

Employees (average)

0

−100% from 1

Owed within a year

£452k

+20% from £376k

Total equity is negative: on its last balance sheet the company owed £290k more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2022 to 2025
The chart, over every year
Every filed figure, year by year

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 13866906. 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

Cut 7 Advisers’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2024

15 March 2024

Became an appointed representative

FCA register

2022

24 January 2022

Incorporated at Companies House
Howard William Lutnick became a part-owner (25–50% of shares)
Shaun David Carl Edgar Lynn became the majority owner (50–75% of shares)

Companies House

In the full report: all 7 events

All 7 events in its history (4 shown here)
Every director appointment and resignation: 3

Firms like Cut 7 Advisers

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

In Dunmow

Grays Wealth Management LtdDunmowAppointed representative Howlett Reid Wealth ManagementDunmowAuthorised Ontrak Financial Planning LimitedDunmowAuthorised St Matthews Financial Services LtdDunmowAuthorised T.j. Green (Financial Services) LimitedDunmowAuthorised

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 Cut 7 Advisers

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

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

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Frequently asked questions about this firm

Is Cut 7 Advisers Ltd FCA authorised?

Cut 7 Advisers Ltd (FRN 1008044) 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 Cut 7 Advisers?

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. Cut 7 Advisers Ltd (FRN 1008044) is an AR of Sapia Partners LLP (FRN 550103). When you use Cut 7 Advisers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cut 7 Advisers, 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 Cut 7 Advisers’ phone number?

The FCA register lists the phone number 020 3597 0242 for Cut 7 Advisers. If you were given different contact details, use these to check with the firm before going any further.

Is Cut 7 Advisers a scam or clone?

Cut 7 Advisers 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 Cut 7 Advisers?

Protection works through Sapia Partners LLP, the principal firm responsible for Cut 7 Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Cut 7 Advisers?

Companies House lists 2 people with significant control of Cut 7 Advisers: Mr Shaun David Carl Edgar Lynn (50–75% of shares) and Mr Howard William Lutnick (25–50% of shares).

Who runs Cut 7 Advisers?

Companies House lists one director of Cut 7 Advisers: Shaun David Carl Edgar Lynn.

How long has Cut 7 Advisers been in business?

The company was formed on 24 January 2022.

What do Cut 7 Advisers’ latest accounts show?

Its latest accounts, to 31 December 2025, show total equity of −£290k (down £197k from −£93.1k).