A & K Financial Management Limited

Reference number: 694946

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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

St. James's Place Wealth Management Plc Reference number: 195351 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.
  • A & K Financial Management Limited (FRN 694946) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use A & K Financial Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from A & K Financial Management, 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 akfm.co.uk first appeared online, and whether it can receive email
  • What kind of line 07964 990367 is
  • Who else gives the postcode NE65 8BD
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Other names (1)

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

  • A&K Financial Management Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through St. James's Place Wealth Management PLC, 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
11010145
Company status
Active
Company type
Private limited company
Incorporated
12 October 2017 (9 years old)
Registered office
Picklewood House, Longframlington, Morpeth, NE65 8BD, England
Nature of business
  • Activities of financial services holding companies (SIC 64205)

Directors and company secretaries

Name Role Born Appointed Other companies
Aimee Jayne Watson Director Dec 1987 12 Oct 2017 1 other company
Karl James Watson Director Jun 1985 12 Oct 2017 2 other companies

Other companies run by these 2 directors

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
run together
1

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£16.2k

+761% from £1,882

Employees (average)

2

Same as 2

Owed within a year

£79.0k

+9.3% from £72.3k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 11010145. 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

A & K Financial Management’s history from the FCA register and Companies House, newest first.

2023

26 September 2023

  • Aimee Jayne Watson became a part-owner (25–50% of shares)

Companies House

2017

13 November 2017

  • Changed its registered name from "A&K Financial Management Limited"

FCA register

30 October 2017

  • Changed its registered name from "A&K Financial Management"

FCA register

12 October 2017

  • Incorporated at Companies House
  • Karl James Watson became a part-owner (25–50% of shares)
  • Aimee Jayne Watson appointed as a director
  • Karl James Watson appointed as a director

Companies House

2015

12 May 2015

  • Became an appointed representative

FCA register

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

Firms like A & K Financial Management

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

In Morpeth

Henderson Independent Financial Management LimitedMorpethAppointed representativeJoseph DonkinMorpethAppointed representativeMythril Financial Planning LtdMorpethAppointed representativeOlivers Financial LtdMorpethAppointed representativeOlivia HennyMorpethAppointed representativePaul Waddington Financial Planning LtdMorpethAppointed 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 A & K Financial Management

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
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is A & K Financial Management Limited FCA authorised?
A & K Financial Management Limited (FRN 694946) 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 A & K Financial Management?
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. A & K Financial Management Limited (FRN 694946) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use A & K Financial Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from A & K Financial Management, 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 A & K Financial Management’s phone number and website?
The FCA register lists the phone number 07964 990367 and the website akfm.co.uk for A & K Financial Management. If you were given different contact details, use these to check with the firm before going any further.
Is A & K Financial Management a scam or clone?
A & K Financial Management 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 A & K Financial Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for A & K Financial Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns A & K Financial Management?
Companies House lists 2 people with significant control of A & K Financial Management: Mrs Aimee Jayne Watson (25–50% of shares) and Mr Karl James Watson (25–50% of shares).
Who runs A & K Financial Management?
Companies House lists 2 directors of A & K Financial Management: Aimee Jayne Watson and Karl James Watson.
How long has A & K Financial Management been in business?
The company was formed on 12 October 2017.
What do A & K Financial Management’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £16.2k (+761% from £1,882).
Does A & K Financial Management use any other names?
It has previously used the name A&K Financial Management.

Sources and links

The full report on A & K Financial Management Limited

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