Amica Financial Wellbeing Limited

Reference number: 939276

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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.
  • Amica Financial Wellbeing Limited (FRN 939276) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Amica Financial Wellbeing's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Amica Financial Wellbeing, 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 amicafinancialwellbeing.co.uk first appeared online, and whether it can receive email
  • What kind of line 07976 616939 is
  • Whether EC3V 9BQ is a shared office: 222 other firms give it
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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
12999631
Company status
Active
Company type
Private limited company
Incorporated
5 November 2020 (5 years old)
Registered office
Celixir House, Stratford Business And Technology Park, Stratford-Upon-Avon, Warwickshire, CV37 7GZ, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Karan Jane Wilson Director Oct 1968 5 Nov 2020 None
Stephen Raymond Wilson Director Jun 1962 24 Jul 2026 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 30 November 2025Full accountsNot audited

Net assets

£621k

+5.8% from £586k

Cash at bank

£43.7k

Up £39.9k from £3,783

Owed within a year

£342k

+11% from £309k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 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.

Accounts filed at Companies House for company 12999631. 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

Amica Financial Wellbeing’s history from the FCA register and Companies House, newest first.

2026

24 July 2026

  • Stephen Raymond Wilson appointed as a director

Companies House

2020

25 November 2020

  • Became an appointed representative

FCA register

5 November 2020

  • Incorporated at Companies House
  • Karan Jane Wilson became the majority owner (50–75% of shares)
  • Stephen Raymond Wilson became a part-owner (25–50% of shares)
  • Karan Jane Wilson appointed as a director

Companies House

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

Firms like Amica Financial Wellbeing

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

In London

SIX Financial Information UK LimitedLondonAppointed representativeMagellan Investment Partners (UK) LimitedLondonAppointed representativeMoonfare UK LimitedLondonAppointed representativeAlpha FX Institutional LimitedLondonAppointed representativeLCP Capital Solutions LimitedLondonAppointed representativeBrighton Park Capital UK LimitedLondonAppointed 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 Amica Financial Wellbeing

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, 1 flagged
  • 5 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Amica Financial Wellbeing Limited FCA authorised?
Amica Financial Wellbeing Limited (FRN 939276) 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 Amica Financial Wellbeing?
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. Amica Financial Wellbeing Limited (FRN 939276) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Amica Financial Wellbeing's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Amica Financial Wellbeing, 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 Amica Financial Wellbeing’s phone number and website?
The FCA register lists the phone number 07976 616939 and the website amicafinancialwellbeing.co.uk for Amica Financial Wellbeing. If you were given different contact details, use these to check with the firm before going any further.
Is Amica Financial Wellbeing a scam or clone?
Amica Financial Wellbeing 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 Amica Financial Wellbeing?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Amica Financial Wellbeing's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Amica Financial Wellbeing?
Companies House lists 2 people with significant control of Amica Financial Wellbeing: Mrs Karan Jane Wilson (50–75% of shares) and Stephen Raymond Wilson (25–50% of shares).
Who runs Amica Financial Wellbeing?
Companies House lists 2 directors of Amica Financial Wellbeing: Karan Jane Wilson and Stephen Raymond Wilson.
How long has Amica Financial Wellbeing been in business?
The company was formed on 5 November 2020.
What do Amica Financial Wellbeing’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £621k (+5.8% from £586k) and cash at bank of £43.7k (up £39.9k from £3,783).

Sources and links

The full report on Amica Financial Wellbeing Limited

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