Grays Wealth Management Ltd

Reference number: 552545

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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.
  • Grays Wealth Management Ltd (FRN 552545) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Grays Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Grays 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, 1 thing worth a closer look

  • When saragray.co.uk first appeared online, and whether it can receive email
  • What kind of line 01376 501947 is, and the other firm that gives it
  • Who else gives the postcode CM6 1DL
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Other names (1)

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

  • Sara Gray Former 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 name
GRAYS WEALTH MANAGEMENT LIMITED
Company number
07972793
Company status
Active
Company type
Private limited company
Incorporated
2 March 2012 (14 years old)
Registered office
Ashtree Cottage, 69 Stortford Road, Great Dunmow, Essex, CM6 1DL
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Sara Jane Gray Director Aug 1969 2 Mar 2012 1 other company
Neil Richard Sweeting Director Jul 1966 2 Mar 2012 1 other company

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
closed down
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 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 March 2026Micro-entity accountsNot audited

Net assets

£5,860

+26% from £4,665

Employees (average)

2

Same as 2

Owed within a year

£50.8k

+6% from £47.9k

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
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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 07972793. 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

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

2016

6 April 2016

  • Neil Sweeting became a part-owner (25–50% of shares)
  • Sara Gray became a part-owner (25–50% of shares)

Companies House

2012

16 April 2012

  • Changed its registered name from "Sara Gray"

FCA register

2 March 2012

  • Incorporated at Companies House
  • Neil Richard Sweeting appointed as a director
  • Sara Jane Gray appointed as a director

Companies House

2011

2 June 2011

  • Became an appointed representative

FCA register

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

Firms connected to Grays Wealth Management

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

connected firms
2
share its phone number
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (1), the same postcode (1)
  • Who links each one: the named directors, with dates
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Firms like Grays Wealth Management

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

In Dunmow

Cut 7 Advisers LtdDunmowAppointed representativeHowlett Reid Wealth ManagementDunmowAuthorisedOntrak Financial Planning LimitedDunmowAuthorisedSt Matthews Financial Services LtdDunmowAuthorisedT.j. Green (Financial Services) LimitedDunmowAuthorised

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 Grays 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, 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 Grays Wealth Management Ltd FCA authorised?
Grays Wealth Management Ltd (FRN 552545) 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 Grays 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. Grays Wealth Management Ltd (FRN 552545) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Grays Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Grays 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 Grays Wealth Management’s phone number and website?
The FCA register lists the phone number 01376 501947 and the website saragray.co.uk for Grays Wealth Management. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Grays Wealth Management a scam or clone?
Grays 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 Grays Wealth Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Grays Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Grays Wealth Management?
Companies House lists 2 people with significant control of Grays Wealth Management: Sara Gray (25–50% of shares) and Neil Sweeting (25–50% of shares).
Who runs Grays Wealth Management?
Companies House lists 2 directors of Grays Wealth Management: Sara Jane Gray and Neil Richard Sweeting.
How long has Grays Wealth Management been in business?
The company was formed on 2 March 2012.
What do Grays Wealth Management’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £5,860 (+26% from £4,665).
Does Grays Wealth Management use any other names?
It has previously used the name Sara Gray.

Sources and links

The full report on Grays Wealth Management Ltd

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