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 1 year
- Protected through the principal
- No FCA actions
- Active company since 2023
- Accounts filed up to 31 August 2025
- On its latest accounts it owed £8,831 more than it owned
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 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.
- Financial Fitness Advisors Ltd (FRN 1035345) introduces customers to St. James's Place Wealth Management Plc (FRN 195351). Any regulated advice or arranging is done by the principal, not Financial Fitness Advisors.
- Example: if Financial Fitness Advisors refers you to a financial adviser, the advice should come from the principal firm, not from Financial Fitness Advisors 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.
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No website on the FCA register
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Phone number
-
Address
13 Kimmeridge Road, Cumnor, Oxford, Oxfordshire, OX2 9RF, United Kingdom
In the full report: 2 background checks
- What kind of line 07707 326327 is
- Who else gives the postcode OX2 9RF
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, freeYou 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
- 15086614 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 21 August 2023 (3 years old)
- Registered office
- 13 Kimmeridge Road, Cumnor, Oxford, OX2 9RF, England
- Nature of business
-
- Financial management (SIC 70221)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Anthony James Richardson | Director | Feb 1974 | 21 Aug 2023 | 1 other company |
| Pauline Norma Richardson | Director | Sep 1974 | 21 Aug 2023 | 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
- still active
- 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
Filed accounts and finances
Net assets
−£8,831
Down £3,381 from −£5,450
Cash at bank
£5,933
−17% from £7,173
Employees (average)
2
Same as 2
Owed within a year
£15.3k
+13% from £13.6k
Net assets are negative: on its last balance sheet the company owed £8,831 more than it owned.
Net assets
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 15086614. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Financial Fitness Advisors’s history from the FCA register and Companies House, newest first.
2025
17 June 2025
- Became an introducer appointed representative
FCA register
2023
21 August 2023
- Incorporated at Companies House
- Anthony James Richardson became a part-owner (25–50% of shares)
- Pauline Norma Richardson became a part-owner (25–50% of shares)
- Anthony James Richardson appointed as a director
- Pauline Norma Richardson appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Financial Fitness Advisors
Other firms of the same type (financial adviser), nearest first.
In Oxford
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 Financial Fitness Advisors
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
- 2 background checks on its contact details
- All 6 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk