Keystone Wealth Management Ltd

Reference number: 525039

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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

Quilter Mortgage Planning Limited Reference number: 440718 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.
  • Keystone Wealth Management Ltd (FRN 525039) is an AR of Quilter Mortgage Planning Limited (FRN 440718). When you use Keystone Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Keystone 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 keystonewm.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8939 4545 is
  • Who else gives the postcode KT2 6NH
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Other names (4)

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

  • Keystone Group Trading name
  • Montpellier Wealth Management Former trading name
  • Stage Financial Former trading name
  • TWP Wealth Management Former trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Quilter Mortgage Planning Limited, 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
KEYSTONE WEALTH MANAGEMENT LIMITED
Company number
07153249
Company status
Active
Company type
Private limited company
Incorporated
10 February 2010 (16 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
David William Carter Director Apr 1963 10 Feb 2010 6 other companies
David William Carter Secretary Not published 10 Feb 2010 –

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
6
closed down
4
still active
2

In the full report: all 6 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 March 2025Full accountsNot audited

Net assets

£150k

+1.8% from £148k

Cash at bank

£250

−97% from £7,212

Owed within a year

£141k

+7.2% from £132k

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.

Accounts filed at Companies House for company 07153249. 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

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

Key events (5) All events (13)

2023

25 September 2023

  • Julika Carter stopped being a part-owner

Companies House

2016

6 April 2016

  • David William Carter took control (75–100% of votes)
  • Julika Carter became a part-owner (25–50% of shares)

Companies House

2010

1 June 2010

  • Became an appointed representative

FCA register

10 February 2010

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms like Keystone Wealth Management

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

In Kingston upon Thames

Gurmeet Singh KlerKingston Upon ThamesAppointed representativeHoneycomb Financial LLPKingston Upon ThamesAppointed representativeNew Town Money LtdKingston Upon ThamesAppointed representativeRoger LondonKingston upon ThamesAppointed representativeSukhvir BirkKingston upon ThamesAppointed representativeAspen Financial Services LimitedKingston Upon ThamesAuthorised

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 Keystone Wealth Management

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Keystone Wealth Management Ltd FCA authorised?
Keystone Wealth Management Ltd (FRN 525039) 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 Keystone 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. Keystone Wealth Management Ltd (FRN 525039) is an AR of Quilter Mortgage Planning Limited (FRN 440718). When you use Keystone Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Keystone 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 Keystone Wealth Management’s phone number and website?
The FCA register lists the phone number 020 8939 4545 and the website keystonewm.co.uk for Keystone Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is Keystone Wealth Management a scam or clone?
Keystone 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 Keystone Wealth Management?
Protection works through Quilter Mortgage Planning Limited, the principal firm responsible for Keystone Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Keystone Wealth Management?
Companies House lists one person with significant control of Keystone Wealth Management: Mr David William Carter (75–100% of votes). Before that, it was controlled by Julika Carter.
Who runs Keystone Wealth Management?
Companies House lists one director of Keystone Wealth Management: David William Carter.
How long has Keystone Wealth Management been in business?
The company was formed on 10 February 2010.
What do Keystone Wealth Management’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £150k (+1.8% from £148k) and cash at bank of £250 (−97% from £7,212).
Does Keystone Wealth Management use any other names?
It trades as Keystone Group. It has previously used 3 other names: Montpellier Wealth Management, Stage Financial and TWP Wealth Management.

Sources and links

The full report on Keystone Wealth Management Ltd

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