Fulcrum Wealth Ltd: FCA regulated?

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.

Appointed for 4 years
Protected through the principal
No FCA actions
Active company since 2014
Accounts filed up to 31 March 2026
1 thing worth a closer look in the background checks

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.
Fulcrum Wealth Ltd (FRN 984664) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Fulcrum Wealth's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Fulcrum Wealth, 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.

Website

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

07825 016982
Address

Ground Floor, Cornerstone House, 120 London Road, North End, Portsmouth, Hampshire, PO2 0NB, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When adnfp.co.uk first appeared online, and whether it can receive email
What kind of line 07825 016982 is
Who else gives the postcode PO2 0NB

Other names (1)

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

ADN Financial Planning Former trading name: A name it used to trade under.

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: 08939657 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 14 March 2014 (12 years old)
Registered office: Ground Floor, Cornerstone House 120 London Road, North End, Portsmouth, Hampshire, PO2 0NB, England
Nature of business: Financial management (SIC 70221)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nigel John Strutt	Director	Jun 1971	14 Mar 2014	4 other companies

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 companies: 4
still active: 4
is FCA-registered: 1

In the full report: all 4 companies, 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
The one on the FCA register

Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£8,507

−28% from £11.9k

Cash at bank

£11.3k

−5.5% from £12.0k

Employees (average)

0

Same as 0

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
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 08939657. 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

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

Key events (3) All events (7)

2022

4 October 2022

Became an appointed representative

FCA register

2016

6 April 2016

Nigel John Strutt took control (75–100% of shares)

Companies House

2014

14 March 2014

Incorporated at Companies House

Companies House

In the full report: all 7 events

All 7 events in its history (3 shown here)
Every director appointment and resignation: 1

Firms connected to Fulcrum Wealth

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

connected firms: 2
share a director: 1
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: shared directors (1), the same postcode (2)
Who links each one: the named directors, with dates

Firms like Fulcrum Wealth

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

In Portsmouth

A.D.N. Financial Solutions LtdPortsmouthAppointed representative Echo Financial Management LtdPortsmouthAppointed representative Known For Group LimitedPortsmouthAppointed representative Nigel Francis LimitedPortsmouthAppointed representative Cambwick LtdPortsmouthAppointed representative Larcomes Financial Services LimitedPortsmouthAuthorised

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 Fulcrum Wealth

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

4 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
7 years of accounts, charted
All 7 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Fulcrum Wealth Ltd FCA authorised?

Fulcrum Wealth Ltd (FRN 984664) 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 Fulcrum Wealth?

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. Fulcrum Wealth Ltd (FRN 984664) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Fulcrum Wealth's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Fulcrum Wealth, 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 Fulcrum Wealth’s phone number and website?

The FCA register lists the phone number 07825 016982 and the website adnfp.co.uk for Fulcrum Wealth. If you were given different contact details, use these to check with the firm before going any further.

Is Fulcrum Wealth a scam or clone?

Fulcrum Wealth 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 Fulcrum Wealth?

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

Who owns Fulcrum Wealth?

Companies House lists one person with significant control of Fulcrum Wealth: Mr Nigel John Strutt (75–100% of shares).

Who runs Fulcrum Wealth?

Companies House lists one director of Fulcrum Wealth: Nigel John Strutt.

How long has Fulcrum Wealth been in business?

The company was formed on 14 March 2014.

What do Fulcrum Wealth’s latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £8,507 (−28% from £11.9k) and cash at bank of £11.3k (−5.5% from £12.0k).

Does Fulcrum Wealth use any other names?

It has previously used the name ADN Financial Planning.