123-Wealth Ltd

Reference number: 1057911

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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

Sense Network Limited Reference number: 465124 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.
  • 123-Wealth Ltd (FRN 1057911) is an AR of Sense Network Limited (FRN 465124). When you use 123-Wealth's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from 123-Wealth, 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 123-wealth.co.uk first appeared online, and whether it can receive email
  • What kind of line 07732 099120 is
  • Who else gives the postcode WA4 2GT
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Other names (1)

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

  • 123-Wealth Limited Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Sense 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 name
123-WEALTH LIMITED
Company number
17260977
Company status
Active
Company type
Private limited company
Incorporated
4 June 2026 (less than a year old)
Registered office
C/O Accountancy Summit Limited 144 Knutsford Road, Grappenhall, Warrington, Cheshire, WA4 2PW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Cera Lynne Taylor Director Mar 1988 4 Jun 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

123-Wealth’s history from the FCA register and Companies House, newest first.

2026

4 August 2026

  • Changed its registered name from "123-Wealth Limited"
  • Became an appointed representative

FCA register

4 June 2026

  • Incorporated at Companies House
  • Cera Lynne Taylor took control (75–100% of shares)
  • Cera Lynne Taylor appointed as a director

Companies House

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

Firms like 123-Wealth

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

In Warrington

Bright FS LimitedWarringtonAppointed representativeCheshire Wealth Partnership LimitedWarringtonAppointed representativeClearview Wealth Planning LimitedWarringtonAppointed representativeDJB Wealth Management LtdWarringtonAppointed representativeEfinity Wealth LimitedWarringtonAppointed representativeEvoke Financial Planning LtdWarringtonAppointed 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 123-Wealth

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
  • All 5 events in its history

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Frequently asked questions about this firm

Is 123-Wealth Ltd FCA authorised?
123-Wealth Ltd (FRN 1057911) 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 123-Wealth?
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. 123-Wealth Ltd (FRN 1057911) is an AR of Sense Network Limited (FRN 465124). When you use 123-Wealth's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from 123-Wealth, 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 123-Wealth’s phone number and website?
The FCA register lists the phone number 07732 099120 and the website 123-wealth.co.uk for 123-Wealth. If you were given different contact details, use these to check with the firm before going any further.
Is 123-Wealth a scam or clone?
123-Wealth 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 123-Wealth?
Protection works through Sense Network Limited, the principal firm responsible for 123-Wealth's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns 123-Wealth?
Companies House lists one person with significant control of 123-Wealth: Miss Cera Lynne Taylor (75–100% of shares).
Who runs 123-Wealth?
Companies House lists one director of 123-Wealth: Cera Lynne Taylor.
How long has 123-Wealth been in business?
The company was formed on 4 June 2026.
Does 123-Wealth use any other names?
It has previously used the name 123-Wealth Limited.

Sources and links

The full report on 123-Wealth Ltd

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