Graham Avison Independent Financial Advisers Limited

Reference number: 648443

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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

Paragon Independent Limited Reference number: 440589 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.
  • Graham Avison Independent Financial Advisers Limited (FRN 648443) is an AR of Paragon Independent Limited (FRN 440589). When you use Graham Avison Independent Financial Advisers's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Graham Avison 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.

In the full report: 3 background checks

  • When paragon-ifa.co.uk first appeared online, and whether it can receive email
  • What kind of line 01254 887942 is
  • Who else gives the postcode BB1 4EP
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Paragon Independent 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
09078395
Company status
Active
Company type
Private limited company
Incorporated
10 June 2014 (12 years old)
Registered office
2 Ullswater Close, Rishton, Blackburn, BB1 4EP
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Graham Michael Avison Director Mar 1965 10 Jun 2014 None
Lynne Avison Director Aug 1966 10 Jun 2014 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£70.3k

−28% from £97.4k

Employees (average)

1

Same as 1

Owed within a year

£44.5k

+30% from £34.2k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 09078395. 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.

2016

6 April 2016

  • Graham Michael Avison took control (75–100% of shares)

Companies House

2014

1 October 2014

  • Became an appointed representative

FCA register

10 June 2014

  • Incorporated at Companies House
  • Graham Michael Avison appointed as a director
  • Lynne Avison appointed as a director

Companies House

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

Similar firms

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

In Blackburn

Donald BrewsterBlackburnAppointed representativeNori Financial LimitedBlackburnAppointed representativePM&M Financial Planning LtdBlackburnAuthorisedRibble Wealth Management LimitedBlackburnAuthorisedStones Financial LimitedBlackburnAuthorised

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.

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is Graham Avison Independent Financial Advisers Limited FCA authorised?
Graham Avison Independent Financial Advisers Limited (FRN 648443) 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 Graham Avison 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. Graham Avison Independent Financial Advisers Limited (FRN 648443) is an AR of Paragon Independent Limited (FRN 440589). When you use Graham Avison Independent Financial Advisers's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Graham Avison 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 Graham Avison Independent Financial Advisers’ phone number and website?
The FCA register lists the phone number 01254 887942 and the website paragon-ifa.co.uk for Graham Avison Independent Financial Advisers. If you were given different contact details, use these to check with the firm before going any further.
Is Graham Avison Independent Financial Advisers a scam or clone?
Graham Avison 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 Graham Avison Independent Financial Advisers?
Protection works through Paragon Independent Limited, the principal firm responsible for Graham Avison Independent Financial Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Graham Avison Independent Financial Advisers?
Companies House lists one person with significant control of Graham Avison Independent Financial Advisers: Mr Graham Michael Avison (75–100% of shares).
Who runs Graham Avison Independent Financial Advisers?
Companies House lists 2 directors of Graham Avison Independent Financial Advisers: Graham Michael Avison and Lynne Avison.
How long has Graham Avison Independent Financial Advisers been in business?
The company was formed on 10 June 2014.
What do Graham Avison Independent Financial Advisers’ latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £70.3k (−28% from £97.4k).

Sources and links

The full report on Graham Avison Independent Financial Advisers Limited

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