Gray Fairlie Wealth Management Ltd

Reference number: 1019844

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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.
  • Gray Fairlie Wealth Management Ltd (FRN 1019844) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Gray Fairlie Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Gray Fairlie 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 andrewgrayafp.co.uk first appeared online, and whether it can receive email
  • What kind of line 01908 615114 is
  • Who else gives the postcode MK16 0JW
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Other names (1)

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

  • Andrew Gray & Associates Financial Planning Trading name

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
15913626
Company status
Active
Company type
Private limited company
Incorporated
23 August 2024 (2 years old)
Registered office
10 The Green, Bassett Court, Newport Pagnell, Milton Keynes, Buckinghamshire, MK16 0JW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Francesca Gray Director Mar 1986 23 Aug 2024 None
Iain Alexander Fairlie Director Jan 1975 18 Feb 2025 1 other company
Andrew George Gray Director Sep 1957 26 Feb 2025 1 other company

Other companies run by these 3 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
run together
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 3 directors run together
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Filed accounts and finances

9 months to 31 May 2025Small company accountsNot audited

Net assets

£93.2k

No earlier figure to compare

Cash at bank

£79.3k

No earlier figure to compare

Employees (average)

7

No earlier figure to compare

Owed within a year

£646k

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 15913626. 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

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

Key events (5) All events (9)

2025

26 February 2025

  • Francesca Gray gave up control
  • Iain Alexander Fairlie became a part-owner (25–50% of shares)

Companies House

2024

2 October 2024

  • Became an appointed representative

FCA register

23 August 2024

  • Incorporated at Companies House
  • Francesca Gray took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Gray Fairlie Wealth Management

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Gray Fairlie Wealth Management

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

In Newport Pagnell

Barry WillsNewport PagnellAppointed representativeJohn ClementsNewport PagnellAppointed representativeOctagon Financial Advice LtdNewport PagnellAppointed representativeSecure Financial Planning LtdNewport PagnellAppointed representativeTwo Shires Wealth Management LtdNewport PagnellAuthorisedLewis Christopher LimitedNewport PagnellAuthorised

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 Gray Fairlie 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 9 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Gray Fairlie Wealth Management Ltd FCA authorised?
Gray Fairlie Wealth Management Ltd (FRN 1019844) 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 Gray Fairlie 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. Gray Fairlie Wealth Management Ltd (FRN 1019844) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Gray Fairlie Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Gray Fairlie 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 Gray Fairlie Wealth Management’s phone number and website?
The FCA register lists the phone number 01908 615114 and the website andrewgrayafp.co.uk for Gray Fairlie Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is Gray Fairlie Wealth Management a scam or clone?
Gray Fairlie 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 Gray Fairlie Wealth Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Gray Fairlie Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Gray Fairlie Wealth Management?
Companies House lists one person with significant control of Gray Fairlie Wealth Management: Mr Iain Alexander Fairlie (25–50% of shares). Before that, it was controlled by Francesca Gray.
Who runs Gray Fairlie Wealth Management?
Companies House lists 3 directors of Gray Fairlie Wealth Management: Francesca Gray, Iain Alexander Fairlie and Andrew George Gray.
How long has Gray Fairlie Wealth Management been in business?
The company was formed on 23 August 2024.
What do Gray Fairlie Wealth Management’s latest accounts show?
Its latest accounts, to 31 May 2025, show net assets of £93.2k (no earlier figure to compare) and cash at bank of £79.3k (no earlier figure to compare).
Does Gray Fairlie Wealth Management use any other names?
It trades as Andrew Gray & Associates Financial Planning.

Sources and links

The full report on Gray Fairlie Wealth Management Ltd

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