Fowler Wealth Management Limited

Reference number: 920068

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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

Clarity Wealth Management LLP Reference number: 575252 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.
  • Fowler Wealth Management Limited (FRN 920068) is an AR of Clarity Wealth Management LLP (FRN 575252). When you use Fowler Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Fowler 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.

  • No website on the FCA register

  • Phone number

    01277 355366

  • Address

    Suite 2, 4 The Limes, Ingatestone, Essex, CM4 0BE, United Kingdom

In the full report: 2 background checks

  • What kind of line 01277 355366 is
  • Who else gives the postcode CM4 0BE
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Other names (1)

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

  • Grech Wealth Management Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Clarity Wealth Management LLP, 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 name
FOWLER WEALTH MANAGEMENT LTD
Company number
12188526
Company status
Active
Company type
Private limited company
Incorporated
4 September 2019 (7 years old)
Registered office
Suite 2, 4 The Limes, Ingatestone Essex, The Limes, Ingatestone, CM4 0BE, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Clifford Fowler Director Apr 1963 4 Sep 2019 None
Donna Fowler Secretary Not published 4 Sep 2019 –

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£782k

+23% from £635k

Cash at bank

£918k

+16% from £793k

Employees (average)

2

Same as 2

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
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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 12188526. 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

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

2020

30 July 2020

  • Began trading as "Grech Wealth Management"

FCA register

23 January 2020

  • Became an appointed representative

FCA register

2019

4 September 2019

  • Incorporated at Companies House
  • Clifford Fowler became the majority owner (50–75% of shares)
  • Donna Fowler became a part-owner (25–50% of shares)
  • Clifford Fowler appointed as a director

Companies House

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

Firms connected to Fowler Wealth Management

Other FCA-listed firms that share a director, phone number or address with Fowler Wealth Management. 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
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Firms like Fowler Wealth Management

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

In Ingatestone

Alex Bergin-McCarthyIngatestoneAppointed representativeCater Willis LimitedIngatestoneAuthorisedHlsfm LimitedIngatestoneAuthorisedVenture Founders LimitedIngatestoneAuthorised

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 Fowler Wealth Management

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

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

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Frequently asked questions about this firm

Is Fowler Wealth Management Limited FCA authorised?
Fowler Wealth Management Limited (FRN 920068) 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 Fowler 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. Fowler Wealth Management Limited (FRN 920068) is an AR of Clarity Wealth Management LLP (FRN 575252). When you use Fowler Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fowler 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 Fowler Wealth Management’s phone number?
The FCA register lists the phone number 01277 355366 for Fowler Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is Fowler Wealth Management a scam or clone?
Fowler 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 Fowler Wealth Management?
Protection works through Clarity Wealth Management LLP, the principal firm responsible for Fowler Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Fowler Wealth Management?
Companies House lists 2 people with significant control of Fowler Wealth Management: Mr Clifford Fowler (50–75% of shares) and Mrs Donna Fowler (25–50% of shares).
Who runs Fowler Wealth Management?
Companies House lists one director of Fowler Wealth Management: Clifford Fowler.
How long has Fowler Wealth Management been in business?
The company was formed on 4 September 2019.
What do Fowler Wealth Management’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £782k (+23% from £635k) and cash at bank of £918k (+16% from £793k).
Does Fowler Wealth Management use any other names?
It trades as Grech Wealth Management.

Sources and links

The full report on Fowler Wealth Management Limited

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