Edwards Associates Independent Wealth Advisers LTD: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 6 years
Your funds are protected by FSCS
No FCA actions
Active company since 2019
Accounts filed up to 30 September 2025

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

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

07846 984950
Address

Suite 1, 29A Lower Kings Road, Berkhamsted, Hertfordshire, HP4 2AB, United Kingdom

In the full report: 3 background checks

When edwardsassociates.co.uk first appeared online, and whether it can receive email
What kind of line 07846 984950 is
Who else gives the postcode HP4 2AB

Other names (1)

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

Edwards Associates Advice (UK) Limited Former name: A name it was registered under before.

FCA permissions and consumer protection

Give regulated advice FSCS may apply
A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
Manage or trade investments FSCS may apply
Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
Advise on or arrange mortgages FSCS may apply
Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (10 permissions)

Acting as a CBTL advisor
Acting as a CBTL arranger
Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on Pension Transfers and Pension Opt Outs
Advising on regulated mortgage contracts
Arranging (bringing about) deals in investments
Arranging (bringing about) regulated mortgage contracts
Credit Broking
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments

FCA disciplinary action

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 12248124 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 7 October 2019 (7 years old)
Registered office: Wren House, 68 London Road, St Albans, Hertfordshire, AL1 1NG, England
Nature of business: Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Michael John Bonnell	Director	Feb 1965	7 Oct 2019	1 other company
Deborah Louise Robinson	Director	Jan 1966	7 Oct 2019	3 other companies

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 companies: 3
closed down: 1
run together: 1

In the full report: all 3 companies, 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
The 1 company these 2 directors run together

Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£76.0k

+2% from £74.5k

Cash at bank

£183k

−25% from £245k

Employees (average)

7

+17% from 6

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 12248124. 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

This firm’s history from the FCA register and Companies House, newest first.

Key events (7) All events (11)

2020

9 October 2020

Changed its registered name from "Edwards Associates Advice (UK) Limited"

FCA register

1 October 2020

Regulated by the FCA from this date
FCA imposed a requirement (Firm to abide by Deed Poll regarding past business)
Became authorised by the FCA

FCA register

2019

7 October 2019

Incorporated at Companies House
Deborah Louise Robinson became a part-owner (25–50% of shares)
Michael John Bonnell became a part-owner (25–50% of shares)

Companies House

In the full report: all 11 events

All 11 events in its history (7 shown here)
Every director appointment and resignation: 2

Connected firms

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same postcode (1)
Who links it to this firm: the named directors, with dates

Similar firms

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

In Berkhamsted

Highclere Financial Services LimitedBerkhamstedAuthorised Philip Binfield LimitedBerkhamstedAuthorised Aurelian Financial Planning LtdBerkhamstedAppointed representative Joanne MartinBerkhamstedAppointed representative Pocock Rutherford & Co LimitedBerkhamstedAppointed representative Pocock Sanders LimitedBerkhamstedAppointed 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 this firm

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

3 other companies its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 11 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Edwards Associates Independent Wealth Advisers LTD FCA authorised?

Yes, Edwards Associates Independent Wealth Advisers LTD (FRN 918425) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2020 and works as a financial adviser. The FCA has placed no limits on its permissions.

What is Edwards Associates Independent Wealth Advisers’ phone number and website?

The FCA register lists the phone number 07846 984950 and the website edwardsassociates.co.uk for Edwards Associates Independent Wealth Advisers. If you were given different contact details, use these to check with the firm before going any further.

Is Edwards Associates Independent Wealth Advisers a scam or clone?

Edwards Associates Independent Wealth Advisers 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 Edwards Associates Independent Wealth Advisers?

Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Edwards Associates Independent Wealth Advisers to the Financial Ombudsman Service, free of charge.

Who owns Edwards Associates Independent Wealth Advisers?

Companies House lists 2 people with significant control of Edwards Associates Independent Wealth Advisers: Mr Michael John Bonnell (25–50% of shares) and Mrs Deborah Louise Robinson (25–50% of shares).

Who runs Edwards Associates Independent Wealth Advisers?

Companies House lists 2 directors of Edwards Associates Independent Wealth Advisers: Michael John Bonnell and Deborah Louise Robinson.

How long has Edwards Associates Independent Wealth Advisers been in business?

The company was formed on 7 October 2019, and has held its current FCA authorisation since October 2020.

What do Edwards Associates Independent Wealth Advisers’ latest accounts show?

Its latest accounts, to 30 September 2025, show net assets of £76.0k (+2% from £74.5k) and cash at bank of £183k (−25% from £245k).

Does Edwards Associates Independent Wealth Advisers use any other names?

It has previously used the name Edwards Associates Advice (UK) Limited.