Adele Waters Wealth Management Limited

Reference number: 959108

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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.
  • Adele Waters Wealth Management Limited (FRN 959108) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Adele Waters Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Adele Waters Wealth 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 adelewaterswealth.co.uk first appeared online, and whether it can receive email
  • What kind of line 07709 441746 is
  • Who else gives the postcode CO2 7GJ
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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 name
ADELE WATERS WEALTH MANAGEMENT LTD
Company number
13490912
Company status
Active
Company type
Private limited company
Incorporated
2 July 2021 (5 years old)
Registered office
1 Garrison Parade, Colchester, Essex, CO2 7GJ, United Kingdom
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Adele Natasha Jayne Waters Director Mar 1983 2 Jul 2021 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 July 2025Micro-entity accountsNot audited

Net assets

£4,494

−28% from £6,255

Employees (average)

1

Same as 1

Owed within a year

£12.4k

+15% from £10.7k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 13490912. 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

Adele Waters Wealth Management’s history from the FCA register and Companies House, newest first.

2021

26 September 2021

  • Became an appointed representative

FCA register

2 July 2021

  • Incorporated at Companies House
  • Adele Natasha Jayne Waters took control (75–100% of shares)
  • Adele Natasha Jayne Waters appointed as a director

Companies House

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

Firms like Adele Waters Wealth Management

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

In Colchester

Alex Lloyd Wealth Management LtdColchesterAppointed representativeAllen & Company Financial Management LtdColchesterAppointed representativeAndrew DuleyColchesterAppointed representativeAshish PopatColchesterAppointed representativeBarker Mortgage Solutions LimitedColchesterAppointed representativeBarnaby ScothernColchesterAppointed 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 Adele Waters Wealth Management

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
  • 4 years of accounts, charted
  • All 4 events in its history

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Frequently asked questions about this firm

Is Adele Waters Wealth Management Limited FCA authorised?
Adele Waters Wealth Management Limited (FRN 959108) 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 Adele Waters Wealth 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. Adele Waters Wealth Management Limited (FRN 959108) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Adele Waters Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Adele Waters Wealth 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 Adele Waters Wealth Management’s phone number and website?
The FCA register lists the phone number 07709 441746 and the website adelewaterswealth.co.uk for Adele Waters Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is Adele Waters Wealth Management a scam or clone?
Adele Waters Wealth 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 Adele Waters Wealth Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Adele Waters Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Adele Waters Wealth Management?
Companies House lists one person with significant control of Adele Waters Wealth Management: Adele Natasha Jayne Waters (75–100% of shares).
Who runs Adele Waters Wealth Management?
Companies House lists one director of Adele Waters Wealth Management: Adele Natasha Jayne Waters.
How long has Adele Waters Wealth Management been in business?
The company was formed on 2 July 2021.
What do Adele Waters Wealth Management’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £4,494 (−28% from £6,255).

Sources and links

The full report on Adele Waters Wealth Management Limited

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