KMC Wealth Management 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 12 years
Protected through the principal
No FCA actions
Active company since 2017
Accounts filed up to 28 February 2026

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.
KMC Wealth Management Ltd (FRN 612157) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use KMC Wealth Management's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from KMC 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.

Website

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

028 7127 3030
Address

The Enterprise Hub, NW Business Complex, Skeoge Industrial Estate, Derry, BT48 8SE, United Kingdom

In the full report: 3 background checks

When kmcwealthmanagement.co.uk first appeared online, and whether it can receive email
What kind of line 028 7127 3030 is
Who else gives the postcode BT48 8SE

Other names (1)

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

KMC Wealth Management Former name: A name it was registered under before.

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: NI649309 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 15 November 2017 (8 years old)
Registered office: The Enterprise Hub Nw Business Complex, Skeoge Ind Estate, Derry, Londonderry, BT48 8SE, Northern Ireland
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Jonathan Samuel Thomas Mccombe	Director	Jun 1975	15 Nov 2017	3 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: 3
closed down: 2
still active: 1

In the full report: all 3 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

Filed accounts and finances

Year to 28 February 2026Small company accountsNot audited

Net assets

£81.3k

Up £78.4k from £2,915

Cash at bank

£0

Down £1 from £1

Employees (average)

7

+17% from 6

Owed within a year

£298k

+3.1% from £290k

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 NI649309. 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

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

2018

8 January 2018

Changed its registered name from "KMC Wealth Management"
Began trading as "KMC Wealth Management"

FCA register

2017

15 November 2017

Incorporated at Companies House
Joanne McCombe became a part-owner (25–50% of shares)
Jonathan Samuel Thomas McCombe became a part-owner (25–50% of shares)
Jonathan Samuel Thomas McCombe appointed as a director

Companies House

2013

20 December 2013

Became an appointed representative

FCA register

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

Firms connected to KMC Wealth Management

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

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates

Firms like KMC Wealth Management

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

In Derry

Aidan KearnsDerryAppointed representative Noel CrossanDerryAppointed representative Foyle Financial LtdDerryAuthorised

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 KMC Wealth Management

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

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

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Frequently asked questions about this firm

Is KMC Wealth Management Ltd FCA authorised?

KMC Wealth Management Ltd (FRN 612157) 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 KMC 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. KMC Wealth Management Ltd (FRN 612157) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use KMC Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from KMC 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 KMC Wealth Management’s phone number and website?

The FCA register lists the phone number 028 7127 3030 and the website kmcwealthmanagement.co.uk for KMC Wealth Management. If you were given different contact details, use these to check with the firm before going any further.

Is KMC Wealth Management a scam or clone?

KMC 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 KMC Wealth Management?

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

Who owns KMC Wealth Management?

Companies House lists 2 people with significant control of KMC Wealth Management: Mr. Jonathan Samuel Thomas McCombe (25–50% of shares) and Joanne McCombe (25–50% of shares).

Who runs KMC Wealth Management?

Companies House lists one director of KMC Wealth Management: Jonathan Samuel Thomas McCombe.

How long has KMC Wealth Management been in business?

The company was formed on 15 November 2017.

What do KMC Wealth Management’s latest accounts show?

Its latest accounts, to 28 February 2026, show net assets of £81.3k (up £78.4k from £2,915) and cash at bank of £0 (down £1 from £1).

Does KMC Wealth Management use any other names?

It has previously used the name KMC Wealth Management.