Carl Williams Wealth Management Ltd

Reference number: 765823

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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

Flying Colours Advice Limited Reference number: 672022 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.
  • Carl Williams Wealth Management Ltd (FRN 765823) is an AR of Flying Colours Advice Limited (FRN 672022). When you use Carl Williams Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Carl Williams 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.

  • No website on the FCA register

  • Phone number

    0151 601 1815

  • Address

    Yorkshire House, 18 Chapel Street, Liverpool, Merseyside, L3 9AG, United Kingdom

In the full report: 2 background checks

  • What kind of line 0151 601 1815 is
  • Who else gives the postcode L3 9AG
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Other names (1)

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

  • Flying Colours Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Flying Colours Advice Limited, 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
10479409
Company status
Active
Company type
Private limited company
Incorporated
15 November 2016 (9 years old)
Registered office
C/O V & R Accountancy Services First Floor, Cropton House Three Tuns Lane, Formby, L37 4AQ, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Carl Williams Director Feb 1978 15 Nov 2016 None
Christine Williams Secretary Not published 15 Nov 2016 –

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 30 November 2025Small company accountsNot audited

Total equity

£138k

+12% from £123k

Cash at bank

£214k

+14% from £188k

Employees (average)

1

Same as 1

Owed within a year

£91.0k

+17% from £77.8k

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 10479409. 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

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

2017

11 September 2017

  • Began trading as "Flying Colours"

FCA register

2016

30 November 2016

  • Became an appointed representative

FCA register

15 November 2016

  • Incorporated at Companies House
  • Carl Williams became a part-owner (25–50% of shares)
  • Christine Williams became a part-owner (25–50% of shares)
  • Carl Williams appointed as a director

Companies House

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

Firms like Carl Williams Wealth Management

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

In Liverpool

Advocate Financial Planning LtdLiverpoolAppointed representativeAidan BurkeLiverpoolAppointed representativeAnthony LanganLiverpoolAppointed representativeBibby & Co Financial Planning LtdLiverpoolAppointed representativeBradley J Lewis Financial Solutions LtdLiverpoolAppointed representativeCentral 67 Mortgages LtdLiverpoolAppointed 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 Carl Williams 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
  • 2 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 Carl Williams Wealth Management Ltd FCA authorised?
Carl Williams Wealth Management Ltd (FRN 765823) 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 Carl Williams 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. Carl Williams Wealth Management Ltd (FRN 765823) is an AR of Flying Colours Advice Limited (FRN 672022). When you use Carl Williams Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Carl Williams 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 Carl Williams Wealth Management’s phone number?
The FCA register lists the phone number 0151 601 1815 for Carl Williams Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is Carl Williams Wealth Management a scam or clone?
Carl Williams 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 Carl Williams Wealth Management?
Protection works through Flying Colours Advice Limited, the principal firm responsible for Carl Williams Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Carl Williams Wealth Management?
Companies House lists 2 people with significant control of Carl Williams Wealth Management: Mr Carl Williams (25–50% of shares) and Mrs Christine Williams (25–50% of shares).
Who runs Carl Williams Wealth Management?
Companies House lists one director of Carl Williams Wealth Management: Carl Williams.
How long has Carl Williams Wealth Management been in business?
The company was formed on 15 November 2016.
What do Carl Williams Wealth Management’s latest accounts show?
Its latest accounts, to 30 November 2025, show total equity of £138k (+12% from £123k) and cash at bank of £214k (+14% from £188k).
Does Carl Williams Wealth Management use any other names?
It trades as Flying Colours.

Sources and links

The full report on Carl Williams Wealth Management Ltd

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