L C Wealth Management Limited

Reference number: 605104

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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.
  • L C Wealth Management Limited (FRN 605104) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use L C Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from L C 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 lcwealth.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3701 6105 is
  • Who else gives the postcode CM22 7WE
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Other names (2)

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

  • Luke Connell Former name
  • L C Wealth Former 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
09462378
Company status
Active
Company type
Private limited company
Incorporated
27 February 2015 (11 years old)
Registered office
Salisbury House, London, EC2M 5SQ, United Kingdom
Nature of business
  • Life insurance (SIC 65110)
  • Pension funding (SIC 65300)

Directors and company secretaries

Name Role Born Appointed Other companies
Luke Antony Paul Connell Director Mar 1979 27 Feb 2015 2 other companies
Noreen Connell Director Aug 1983 27 Oct 2025 None

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 companies
2
closed down
2

In the full report: all 2 companies, 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
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Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£297k

+1.2% from £293k

Cash at bank

£143k

No earlier figure to compare

Employees (average)

2

Same as 2

Owed within a year

£191k

−8% from £207k

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 09462378. 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

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

Key events (4) All events (9)

2016

6 April 2016

  • Luke Antony Paul Connell took control (75–100% of shares)

Companies House

2015

20 April 2015

  • Changed its registered name from "Luke Connell"

FCA register

27 February 2015

  • Incorporated at Companies House

Companies House

2013

30 July 2013

  • Became an appointed representative

FCA register

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms connected to L C Wealth Management

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

connected firms
4
share its postcode
4

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like L C Wealth Management

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

In Bishop's Stortford

Barrington Group LimitedBishop's StortfordAppointed representativeBretland Capital LimitedBishop's StortfordAppointed representativeDS Wealth Management LtdBishop's StortfordAppointed representativeJohn Fraser-AndrewsBishop's StortfordAppointed representativeKing Financial Planning LLPBishop's StortfordAppointed representativeLife IFA LtdBishop's StortfordAppointed 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 L C Wealth Management

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 9 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is L C Wealth Management Limited FCA authorised?
L C Wealth Management Limited (FRN 605104) 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 L C 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. L C Wealth Management Limited (FRN 605104) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use L C Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from L C 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 L C Wealth Management’s phone number and website?
The FCA register lists the phone number 020 3701 6105 and the website lcwealth.co.uk for L C Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is L C Wealth Management a scam or clone?
L C 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 L C Wealth Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for L C Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns L C Wealth Management?
Companies House lists one person with significant control of L C Wealth Management: Mr Luke Antony Paul Connell (75–100% of shares).
Who runs L C Wealth Management?
Companies House lists 2 directors of L C Wealth Management: Luke Antony Paul Connell and Noreen Connell.
How long has L C Wealth Management been in business?
The company was formed on 27 February 2015.
What do L C Wealth Management’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £297k (+1.2% from £293k) and cash at bank of £143k (no earlier figure to compare).
Does L C Wealth Management use any other names?
It has previously used 2 other names: Luke Connell and L C Wealth.

Sources and links

The full report on L C Wealth Management Limited

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