First Capital Independent Financial Advisers Limited: 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 22 years
Protected through the principal
No FCA actions
Active company since 2008
Accounts filed up to 31 December 2025

Responsible principal firm

The Whitechurch Network Limited Reference number: 190859 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.
First Capital Independent Financial Advisers Limited (FRN 409249) is an AR of The Whitechurch Network Limited (FRN 190859). When you use First Capital Independent Financial Advisers's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from First Capital Independent Financial 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

01205 317840
Address

Endeavour Park, Boston, Lincs, PE21 7TT, United Kingdom

In the full report: 2 background checks

What kind of line 01205 317840 is
Who else gives the postcode PE21 7TT

Other names (4)

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

The Pension Shop Trading name: A name it trades under now.
First Capital Independent Financial Advisers Ltd Former name: A name it was registered under before.
Boston Independent Financial Services Former trading name: A name it used to trade under.
Devereux Financial Services Former trading name: A name it used to trade under.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through The Whitechurch Network 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: 06609330 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 3 June 2008 (18 years old)
Registered office: The Old Vicarage, Church Close, Boston, Lincolnshire, PE21 6NA
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Jonathan Roger Beck	Director	Jan 1970	3 Jun 2008	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 2025Small company accountsNot audited

Total equity

£51.0k

+52% from £33.5k

Cash at bank

£666k

+82% from £365k

Employees (average)

9

Same as 9

Owed within a year

£1.07m

+84% from £583k

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2019 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 06609330. 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

This firm’s history from the FCA register and Companies House, newest first.

Key events (4) All events (10)

2016

6 April 2016

Nigel Skinner Financial Advisers Limited took control (75–100% of shares)

Companies House

2014

21 July 2014

Changed its registered name from "First Capital Independent Financial Advisers Ltd"

FCA register

2008

3 June 2008

Incorporated at Companies House

Companies House

2004

12 October 2004

Became an appointed representative

FCA register

In the full report: all 10 events

All 10 events in its history (4 shown here)
Every director appointment and resignation: 1

Connected firms

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Similar firms

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

In Lincs

Watchorn Financial Services LtdLincsAuthorised

In the Peterborough (PE) postcode area

Abbey Wealth Management LtdStamfordAppointed representative Access Media Advisory LtdWisbechAppointed representative Alpine Private Wealth LtdPeterboroughAppointed representative B2 Wealth LtdSpaldingAppointed representative BCM Wealth Management LtdStamfordAppointed 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 this firm

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
6 years of accounts, charted
All 10 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is First Capital Independent Financial Advisers Limited FCA authorised?

First Capital Independent Financial Advisers Limited (FRN 409249) 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 First Capital Independent Financial 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. First Capital Independent Financial Advisers Limited (FRN 409249) is an AR of The Whitechurch Network Limited (FRN 190859). When you use First Capital Independent Financial Advisers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from First Capital Independent Financial 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 First Capital Independent Financial Advisers’ phone number?

The FCA register lists the phone number 01205 317840 for First Capital Independent Financial Advisers. If you were given different contact details, use these to check with the firm before going any further.

Is First Capital Independent Financial Advisers a scam or clone?

First Capital Independent Financial 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 First Capital Independent Financial Advisers?

Protection works through The Whitechurch Network Limited, the principal firm responsible for First Capital Independent Financial Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns First Capital Independent Financial Advisers?

First Capital Independent Financial Advisers is owned by Nigel Skinner Financial Advisers Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs First Capital Independent Financial Advisers?

Companies House lists one director of First Capital Independent Financial Advisers: Jonathan Roger Beck.

How long has First Capital Independent Financial Advisers been in business?

The company was formed on 3 June 2008.

What do First Capital Independent Financial Advisers’ latest accounts show?

Its latest accounts, to 31 December 2025, show total equity of £51.0k (+52% from £33.5k) and cash at bank of £666k (+82% from £365k).

Does First Capital Independent Financial Advisers use any other names?

It trades as The Pension Shop. It has previously used 3 other names: First Capital Independent Financial Advisers Ltd, Boston Independent Financial Services and Devereux Financial Services.