Chelmer Wealth Management Ltd: FCA regulated?

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.

Appointed for 7 years
Protected through the principal
No FCA actions
Active company since 2023
Accounts filed up to 31 December 2025
On its latest accounts it owed £10.9k more than it owned

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.
Chelmer Wealth Management Ltd (FRN 912246) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Chelmer Wealth Management's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Chelmer 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.

Website

chelmerwealthmanagement.co.uk (opens in a new tab)
Phone number

01277 625564
Address

2 Sudbury Stables, Sudbury Road, Downham, Billericay, Essex, CM11 1LB, United Kingdom

In the full report: 3 background checks

When chelmerwealthmanagement.co.uk first appeared online, and whether it can receive email
What kind of line 01277 625564 is
Who else gives the postcode CM11 1LB

Other names (1)

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

Clive Roberts Former name: A name it was registered under before.

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: 14990137 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 9 July 2023 (3 years old)
Registered office: 2 Sudbury Stables, Sudbury Road, Billericay, Essex, CM11 1LB, England
Nature of business: Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Clive Andrew Roberts	Director	Aug 1963	9 Jul 2023	10 other companies

Other companies run by its director

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: 10
closed down: 8
still active: 2

In the full report: all 10 companies, named

What each company does, and whether it is still trading
Which of its director sits on each board, and since when
Any that went into liquidation or administration

Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

−£10.9k

Up £7,899 from −£18.8k

Cash at bank

£2,884

−52% from £5,998

Employees (average)

3

Same as 3

Owed within a year

£243k

+49% from £162k

Net assets are negative: on its last balance sheet the company owed £10.9k more than it owned.

Assets and liabilities

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 14990137. 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

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

Key events (4) All events (7)

2023

24 July 2023

Changed its registered name from "Clive Roberts"

FCA register

9 July 2023

Incorporated at Companies House
Clive Andrew Roberts took control (75–100% of shares)

Companies House

2019

13 August 2019

Became an appointed representative

FCA register

In the full report: all 7 events

All 7 events in its history (4 shown here)
Every director appointment and resignation: 1

Firms connected to Chelmer Wealth Management

Other FCA-listed firms that share a director, phone number or address with Chelmer Wealth Management. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like Chelmer Wealth Management

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

In Billericay

Duncan Wealth Management LimitedBillericayAppointed representative Hartwell Financial Planning LimitedBillericayAppointed representative PG Wealth LtdBillericayAppointed representative RL Wealth Management LimitedBillericayAppointed representative SJC Financial Planning LimitedBillericayAppointed representative A&E Wealth Solutions LimitedBillericayAuthorised

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 Chelmer Wealth Management

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

10 other companies its directors have run, named
3 background checks on its contact details
All 7 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Chelmer Wealth Management Ltd FCA authorised?

Chelmer Wealth Management Ltd (FRN 912246) 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 Chelmer 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. Chelmer Wealth Management Ltd (FRN 912246) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Chelmer Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Chelmer 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 Chelmer Wealth Management’s phone number and website?

The FCA register lists the phone number 01277 625564 and the website chelmerwealthmanagement.co.uk for Chelmer Wealth Management. If you were given different contact details, use these to check with the firm before going any further.

Is Chelmer Wealth Management a scam or clone?

Chelmer 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 Chelmer Wealth Management?

Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Chelmer Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Chelmer Wealth Management?

Companies House lists one person with significant control of Chelmer Wealth Management: Mr Clive Andrew Roberts (75–100% of shares).

Who runs Chelmer Wealth Management?

Companies House lists one director of Chelmer Wealth Management: Clive Andrew Roberts.

How long has Chelmer Wealth Management been in business?

The company was formed on 9 July 2023.

What do Chelmer Wealth Management’s latest accounts show?

Its latest accounts, to 31 December 2025, show net assets of −£10.9k (up £7,899 from −£18.8k) and cash at bank of £2,884 (−52% from £5,998).

Does Chelmer Wealth Management use any other names?

It has previously used the name Clive Roberts.