Charles Wealth Management (NW) Limited

Reference number: 1043712

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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

Quilter Financial Services Limited Reference number: 440703 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.
  • Charles Wealth Management (NW) Limited (FRN 1043712) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Charles Wealth Management (NW)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Charles Wealth Management (NW), 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

    07734 412935

  • Address

    6 Parker Drive, Helsby, Frodsham, Cheshire West And Chester, WA6 0FU, United Kingdom

In the full report: 2 background checks

  • What kind of line 07734 412935 is
  • Who else gives the postcode WA6 0FU
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Financial Services 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
16183514
Company status
Active
Company type
Private limited company
Incorporated
14 January 2025 (1 year old)
Registered office
6 Parker Drive, Helsby, Frodsham, WA6 0FU, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Ian Charles Director Sep 1990 14 Jan 2025 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

15 months to 31 March 2026Micro-entity accountsNot audited

Total equity

£7,649

No earlier figure to compare

Employees (average)

2

No earlier figure to compare

Owed within a year

£18.3k

No earlier figure to compare

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 16183514. 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

Charles Wealth Management (NW)’s history from the FCA register and Companies House, newest first.

2025

3 November 2025

  • Became an appointed representative

FCA register

14 January 2025

  • Incorporated at Companies House
  • Christopher Ian Charles took control (75–100% of shares)
  • Christopher Ian Charles appointed as a director

Companies House

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

Firms like Charles Wealth Management (NW)

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

In Frodsham

Enlightened Money LtdFrodshamAppointed representativeHWL Wealth Management LimitedFrodshamAppointed representativeEB7 LimitedFrodshamAppointed representativeLibertas Wealth Management LtdFrodshamAuthorised

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 Charles Wealth Management (NW)

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
  • All 4 events in its history

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Frequently asked questions about this firm

Is Charles Wealth Management (NW) Limited FCA authorised?
Charles Wealth Management (NW) Limited (FRN 1043712) 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 Charles Wealth Management (NW)?
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. Charles Wealth Management (NW) Limited (FRN 1043712) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Charles Wealth Management (NW)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Charles Wealth Management (NW), 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 Charles Wealth Management (NW)’s phone number?
The FCA register lists the phone number 07734 412935 for Charles Wealth Management (NW). If you were given different contact details, use these to check with the firm before going any further.
Is Charles Wealth Management (NW) a scam or clone?
Charles Wealth Management (NW) 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 Charles Wealth Management (NW)?
Protection works through Quilter Financial Services Limited, the principal firm responsible for Charles Wealth Management (NW)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Charles Wealth Management (NW)?
Companies House lists one person with significant control of Charles Wealth Management (NW): Mr Christopher Ian Charles (75–100% of shares).
Who runs Charles Wealth Management (NW)?
Companies House lists one director of Charles Wealth Management (NW): Christopher Ian Charles.
How long has Charles Wealth Management (NW) been in business?
The company was formed on 14 January 2025.
What do Charles Wealth Management (NW)’s latest accounts show?
Its latest accounts, to 31 March 2026, show total equity of £7,649 (no earlier figure to compare).

Sources and links

The full report on Charles Wealth Management (NW) Limited

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