Smarter Sums Limited

Reference number: 1061214

Instant download

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

A-PLAN HOLDINGS Reference number: 310164 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Smarter Sums Limited (FRN 1061214) introduces customers to A-PLAN HOLDINGS (FRN 310164). Any regulated advice or arranging is done by the principal, not Smarter Sums.
  • Example: if Smarter Sums refers you to a financial adviser, the advice should come from the principal firm, not from Smarter Sums itself.
  • 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.

Identity

Check their details

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.

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through A-PLAN HOLDINGS, 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Smarter Sums Limited FCA authorised?
Smarter Sums Limited (FRN 1061214) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Smarter Sums?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Smarter Sums Limited (FRN 1061214) introduces customers to A-PLAN HOLDINGS (FRN 310164). Any regulated advice or arranging is done by the principal, not Smarter Sums. Example: if Smarter Sums refers you to a financial adviser, the advice should come from the principal firm, not from Smarter Sums itself. 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.
Is my money safe with Smarter Sums?
Protection works through A-PLAN HOLDINGS, the principal firm responsible for Smarter Sums's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Smarter Sums a scam or clone?
Smarter Sums is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Smarter Sums's Firm Reference Number (FRN)?
Smarter Sums's FRN is 1061214. You can verify it on the FCA register.