John Cummings Wealth Management Ltd

Reference number: 629569

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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.
  • John Cummings Wealth Management Ltd (FRN 629569) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use John Cummings Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from John Cummings 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 johncummingswm.co.uk first appeared online, and whether it can receive email
  • What kind of line 07810 864997 is
  • Who else gives the postcode SO30 2BH
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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
09113492
Company status
Active
Company type
Private limited company
Incorporated
2 July 2014 (12 years old)
Registered office
125 Wellstead Way, Hedge End, Southampton, SO30 2BH, England
Nature of business
  • Pension funding (SIC 65300)

Directors and company secretaries

Name Role Born Appointed Other companies
John Roy Cummings Director Nov 1978 2 Jul 2014 7 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
7
closed down
5
still active
2

In the full report: all 7 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
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£129k

−19% from £160k

Cash at bank

£101k

−10% from £113k

Employees (average)

2

Same as 2

Owed within a year

£13.4k

−60% from £33.5k

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 09113492. 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

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

2020

2 December 2020

  • Katy Louise Cummings became a part-owner (25–50% of shares)

Companies House

2016

1 July 2016

  • John Roy Cummings became a part-owner (25–50% of shares)

Companies House

2014

4 August 2014

  • Became an appointed representative

FCA register

2 July 2014

  • Incorporated at Companies House
  • John Roy Cummings appointed as a director

Companies House

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

Firms like John Cummings Wealth Management

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

In Southampton

Alisha RamazannezhadSouthamptonAppointed representativeBligh Financial Management LtdSouthamptonAppointed representativeBritstone Finance LtdSouthamptonAppointed representativeClinton Kennard Associates LtdSouthamptonAppointed representativeColin ChandlerSouthamptonAppointed representativeCompass Personal Finance LtdSouthamptonAppointed representative

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 John Cummings Wealth Management

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 5 events in its history

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Frequently asked questions about this firm

Is John Cummings Wealth Management Ltd FCA authorised?
John Cummings Wealth Management Ltd (FRN 629569) 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 John Cummings 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. John Cummings Wealth Management Ltd (FRN 629569) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use John Cummings Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from John Cummings 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 John Cummings Wealth Management’s phone number and website?
The FCA register lists the phone number 07810 864997 and the website johncummingswm.co.uk for John Cummings Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is John Cummings Wealth Management a scam or clone?
John Cummings 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 John Cummings Wealth Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for John Cummings Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns John Cummings Wealth Management?
Companies House lists 2 people with significant control of John Cummings Wealth Management: Mrs Katy Louise Cummings (25–50% of shares) and Mr John Roy Cummings (25–50% of shares).
Who runs John Cummings Wealth Management?
Companies House lists one director of John Cummings Wealth Management: John Roy Cummings.
How long has John Cummings Wealth Management been in business?
The company was formed on 2 July 2014.
What do John Cummings Wealth Management’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £129k (−19% from £160k) and cash at bank of £101k (−10% from £113k).

Sources and links

The full report on John Cummings Wealth Management Ltd

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