Absolute Protection and Wealth Ltd

Reference number: 1015517

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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.
  • Absolute Protection and Wealth Ltd (FRN 1015517) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Absolute Protection and Wealth's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Absolute Protection and 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, 1 thing worth a closer look

  • When absoluteprotectionandwealth.com first appeared online, and whether it can receive email
  • What kind of line 028 8772 5301 is
  • Who else gives the postcode BT71 6HZ
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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
NI646380
Company status
Active
Company type
Private limited company
Incorporated
13 June 2017 (9 years old)
Registered office
102 Drumaspil Road, Dungannon, BT71 6HZ, Northern Ireland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jason Ruddy Director Jan 1975 13 Jun 2017 4 other companies
Kathy Sarah Mccormack Director Dec 1984 1 Oct 2019 1 other company

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
4
closed down
3
run together
1

In the full report: all 4 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 30 April 2025Abridged accountsNot audited

Net assets

£3,925

−83% from £23.6k

Cash at bank

£58.0k

+7.1% from £54.1k

Employees (average)

8

+300% from 2

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 NI646380. 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

Absolute Protection and Wealth’s history from the FCA register and Companies House, newest first.

2024

12 July 2024

  • Became an appointed representative

FCA register

2021

17 August 2021

  • Jason Ruddy became a part-owner (25–50% of shares)
  • Kathy Sarah McCormack became a part-owner (25–50% of shares)
  • Ruddy Group Ltd stopped being the majority owner

Companies House

2019

1 October 2019

  • Kathy Sarah McCormack appointed as a director

Companies House

2017

13 June 2017

  • Incorporated at Companies House
  • Ruddy Group Ltd became the majority owner (50–75% of shares)
  • Jason Ruddy appointed as a director

Companies House

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

Firms like Absolute Protection and Wealth

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

In Dungannon

Mortgage Angels (NI) LimitedDungannonAppointed representativeDarryl Martin Investments LimitedDungannonAuthorised

In the Belfast (BT) postcode area

4Front Financial Management LLPBelfastAppointed representativeAccent Financial Planning LimitedCraigavonAppointed representativeAidan KearnsDerryAppointed representativeAidan O'NeillOmaghAppointed 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 Absolute Protection and Wealth

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 4 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 8 events in its history

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Frequently asked questions about this firm

Is Absolute Protection and Wealth Ltd FCA authorised?
Absolute Protection and Wealth Ltd (FRN 1015517) 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 Absolute Protection and 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. Absolute Protection and Wealth Ltd (FRN 1015517) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Absolute Protection and Wealth's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Absolute Protection and 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 Absolute Protection and Wealth’s phone number and website?
The FCA register lists the phone number 028 8772 5301 and the website absoluteprotectionandwealth.com for Absolute Protection and Wealth. If you were given different contact details, use these to check with the firm before going any further.
Is Absolute Protection and Wealth a scam or clone?
Absolute Protection and 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 Absolute Protection and Wealth?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Absolute Protection and Wealth's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Absolute Protection and Wealth?
Companies House lists 2 people with significant control of Absolute Protection and Wealth: Ms Kathy Sarah McCormack (25–50% of shares) and Mr Jason Ruddy (25–50% of shares). Before that, it was controlled by Ruddy Group Ltd.
Who runs Absolute Protection and Wealth?
Companies House lists 2 directors of Absolute Protection and Wealth: Jason Ruddy and Kathy Sarah McCormack.
How long has Absolute Protection and Wealth been in business?
The company was formed on 13 June 2017.
What do Absolute Protection and Wealth’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £3,925 (−83% from £23.6k) and cash at bank of £58.0k (+7.1% from £54.1k).

Sources and links

The full report on Absolute Protection and Wealth Ltd

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