Apple Wealth Ltd

Reference number: 790563

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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.
  • Apple Wealth Ltd (FRN 790563) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Apple Wealth's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Apple 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 partnership.sjp.co.uk first appeared online, and whether it can receive email
  • What kind of line 01324 227140 is
  • Who else gives the postcode FK1 1PU
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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
SC577170
Company status
Active
Company type
Private limited company
Incorporated
25 September 2017 (9 years old)
Registered office
54a Cow Wynd, Falkirk, Stirlingshire, FK1 1PU, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)
  • Other activities auxiliary to insurance and pension funding (SIC 66290)
  • Fund management activities (SIC 66300)

Directors and company secretaries

Name Role Born Appointed Other companies
Alan Mcphail Director Nov 1971 25 Sep 2017 None
Deborah Ann Taylor Director Jul 1976 25 Sep 2017 4 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
4
closed down
2
still active
2

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
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£33.4k

+9.3% from £30.6k

Employees (average)

2

Same as 2

Owed within a year

£19.5k

−7.1% from £21.0k

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 SC577170. 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

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

2017

5 October 2017

  • Became an appointed representative

FCA register

25 September 2017

  • Incorporated at Companies House
  • Alan McPhail became a part-owner (25–50% of shares)
  • Deborah Ann Taylor became the majority owner (50–75% of shares)
  • Alan McPhail appointed as a director
  • Deborah Ann Taylor appointed as a director

Companies House

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

Firms like Apple Wealth

Other firms of the same type (insurance broker), nearest first.

In Falkirk

Aurian Mortgage Solutions LimitedFalkirkAppointed representativeScottish Collaborative of Sign Language InterpretersFalkirkAppointed representativeThe Mortgage Advice Club LtdFalkirkAppointed representativeUnity Mortgages LtdFalkirkAppointed representativeOnly One Properties LimitedFalkirkAppointed representativeFulcrum Insured Employee Benefits LimitedFalkirkAuthorised

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 Apple 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
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Apple Wealth Ltd FCA authorised?
Apple Wealth Ltd (FRN 790563) 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 Apple 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. Apple Wealth Ltd (FRN 790563) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Apple Wealth's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Apple 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 Apple Wealth’s phone number and website?
The FCA register lists the phone number 01324 227140 and the website partnership.sjp.co.uk/partner/applewealth for Apple Wealth. If you were given different contact details, use these to check with the firm before going any further.
Is Apple Wealth a scam or clone?
Apple 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 Apple Wealth?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Apple Wealth's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Apple Wealth?
Companies House lists 2 people with significant control of Apple Wealth: Mrs Deborah Ann Taylor (50–75% of shares) and Mr Alan McPhail (25–50% of shares).
Who runs Apple Wealth?
Companies House lists 2 directors of Apple Wealth: Alan McPhail and Deborah Ann Taylor.
How long has Apple Wealth been in business?
The company was formed on 25 September 2017.
What do Apple Wealth’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £33.4k (+9.3% from £30.6k).

Sources and links

The full report on Apple Wealth Ltd

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