Cubik Wealth Management Limited

Reference number: 1022262

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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.
  • Cubik Wealth Management Limited (FRN 1022262) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Cubik Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Cubik 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.

In the full report: 3 background checks

  • When cubikwealth.co.uk first appeared online, and whether it can receive email
  • What kind of line 01329 227404 is
  • Who else gives the postcode PO16 8AB
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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.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
15982312
Company status
Active
Company type
Private limited company
Incorporated
27 September 2024 (2 years old)
Registered office
1 Manor Court, 6 Barnes Wallis Road, Fareham, Hampshire, PO15 5TH, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Nigel Trafford Bilton Director May 1972 27 Sep 2024 1 other company
Paula Townsend Secretary Not published 27 Sep 2024 –

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 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 its director sits on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

15 months to 31 December 2025Small company accountsNot audited

Net assets

£102

No earlier figure to compare

Cash at bank

£22.1k

No earlier figure to compare

Employees (average)

3

No earlier figure to compare

Owed within a year

£158k

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 15982312. 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

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

2024

5 December 2024

  • Became an appointed representative

FCA register

27 September 2024

  • Incorporated at Companies House
  • Nigel Trafford Bilton became the majority owner (50–75% of shares)
  • Paula Townsend became a part-owner (25–50% of shares)
  • Nigel Trafford Bilton appointed as a director

Companies House

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

Firms connected to Cubik Wealth Management

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Cubik Wealth Management

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

In Fareham

Abbotstone Financial Solutions LLPFarehamAppointed representativeAdam BirchallFarehamAppointed representativeChester Rose (Hampshire) LimitedFarehamAppointed representativeChewton Wealth Management LimitedFarehamAppointed representativeChris Hills Financial Consultancy LtdFarehamAppointed representativeChristopher Ian LondonFarehamAppointed 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 Cubik Wealth Management

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
  • All 5 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cubik Wealth Management Limited FCA authorised?
Cubik Wealth Management Limited (FRN 1022262) 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 Cubik 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. Cubik Wealth Management Limited (FRN 1022262) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Cubik Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Cubik 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 Cubik Wealth Management’s phone number and website?
The FCA register lists the phone number 01329 227404 and the website cubikwealth.co.uk for Cubik Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is Cubik Wealth Management a scam or clone?
Cubik 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 Cubik Wealth Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Cubik Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Cubik Wealth Management?
Companies House lists 2 people with significant control of Cubik Wealth Management: Mr Nigel Trafford Bilton (50–75% of shares) and Ms Paula Townsend (25–50% of shares).
Who runs Cubik Wealth Management?
Companies House lists one director of Cubik Wealth Management: Nigel Trafford Bilton.
How long has Cubik Wealth Management been in business?
The company was formed on 27 September 2024.
What do Cubik Wealth Management’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £102 (no earlier figure to compare) and cash at bank of £22.1k (no earlier figure to compare).

Sources and links

The full report on Cubik Wealth Management Limited

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