Cornerstone Wills Limited: FCA regulated?

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for 12 years
Protected through the principal
No FCA actions
Active company since 2003
Accounts filed up to 31 March 2025

Responsible principal firm

St. James's Place Wealth Management Plc Reference number: 195351 Authorised View firm →

What does this mean?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
Cornerstone Wills Limited (FRN 609756) introduces customers to St. James's Place Wealth Management Plc (FRN 195351). Any regulated advice or arranging is done by the principal, not Cornerstone Wills.
Example: if Cornerstone Wills refers you to a financial adviser, the advice should come from the principal firm, not from Cornerstone Wills itself.
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

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

01276 415835
Address

Basepoint Business Centre, 377-399 London Road, Camberley, Surrey, GU15 3HL, United Kingdom

In the full report: 3 background checks

When cornerstonewills.co.uk first appeared online, and whether it can receive email
What kind of line 01276 415835 is
Who else gives the postcode GU15 3HL

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: 04642454 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 20 January 2003 (23 years old)
Registered office: 9 St. Georges Yard, Castle Street, Farnham, Surrey, GU9 7LW
Nature of business: Activities of patent and copyright agents; other legal activities not elsewhere classified (SIC 69109)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Susan Ann O'Loughlin	Director	May 1960	20 Jan 2003	None
Andrew David Parker	Director	Jun 1964	20 Jan 2003	1 other company
Susan Ann O'Loughlin	Secretary	Not published	20 Jan 2003	None

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 company: 1
closed down: 1

In the full report: all 1 company, 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
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£15.5k

−66% from £45.7k

Cash at bank

£58.4k

−43% from £102k

Employees (average)

6

Same as 6

Owed within a year

£64.9k

−16% from £77.4k

Assets and liabilities

In the full report: all 6 years of accounts

Every year from 2020 to 2025
The chart, over every year
Every filed figure, year by year

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 04642454. 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

Cornerstone Wills’s history from the FCA register and Companies House, newest first.

2016

6 April 2016

Andrew David Parker became a part-owner (25–50% of shares)
Susan O'Loughlin became a part-owner (25–50% of shares)

Companies House

2013

5 November 2013

Became an introducer appointed representative

FCA register

2003

20 January 2003

Incorporated at Companies House
Andrew David Parker appointed as a director
Susan Ann O'loughlin appointed as a director

Companies House

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

Firms connected to Cornerstone Wills

Other FCA-listed firms that share a director, phone number or address with Cornerstone Wills. 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 Cornerstone Wills

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

In Camberley

Berkshire Financial Planning LtdCamberleyAppointed representative Darryll ConnorCamberleyAppointed representative LLandre AssociatesCamberleyAppointed representative LRB Financial Planning LTDCamberleyAppointed representative Nathan DupisanieCamberleyAppointed representative Penrose Wealth Management LtdCamberleyAppointed 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 Cornerstone Wills

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

1 other company its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 6 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cornerstone Wills Limited FCA authorised?

Cornerstone Wills Limited (FRN 609756) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does introducer appointed representative mean for Cornerstone Wills?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Cornerstone Wills Limited (FRN 609756) introduces customers to St. James's Place Wealth Management Plc (FRN 195351). Any regulated advice or arranging is done by the principal, not Cornerstone Wills. Example: if Cornerstone Wills refers you to a financial adviser, the advice should come from the principal firm, not from Cornerstone Wills itself. 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 Cornerstone Wills’ phone number and website?

The FCA register lists the phone number 01276 415835 and the website cornerstonewills.co.uk for Cornerstone Wills. If you were given different contact details, use these to check with the firm before going any further.

Is Cornerstone Wills a scam or clone?

Cornerstone Wills 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 Cornerstone Wills?

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

Who owns Cornerstone Wills?

Companies House lists 2 people with significant control of Cornerstone Wills: Mrs Susan O'Loughlin (25–50% of shares) and Mr Andrew David Parker (25–50% of shares).

Who runs Cornerstone Wills?

Companies House lists 2 directors of Cornerstone Wills: Susan Ann O'Loughlin and Andrew David Parker.

How long has Cornerstone Wills been in business?

The company was formed on 20 January 2003.

What do Cornerstone Wills’ latest accounts show?

Its latest accounts, to 31 March 2025, show net assets of £15.5k (−66% from £45.7k) and cash at bank of £58.4k (−43% from £102k).