Lomond 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 10 years
Protected through the principal
No FCA actions
Active company since 2016
Accounts filed up to 28 February 2025

Responsible principal firm

Lomond Financial Management Group Ltd Reference number: 488153 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.
Lomond Wealth Management LTD (FRN 738180) is an AR of Lomond Financial Management Group Ltd (FRN 488153). When you use Lomond Wealth Management's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Lomond 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Lomond Wealth Management Ltd Reference number: 929481 Payment agent

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

lomondwealth.com (opens in a new tab)
Phone number

01786 542410
Address

Pavilion 1, Castlecraig Business Park, Players Road, Stirling, Stirlingshire, FK7 7SH, United Kingdom

In the full report: 3 background checks

When lomondwealth.com first appeared online, and whether it can receive email
What kind of line 01786 542410 is, and the other firm that gives it
Who else gives the postcode FK7 7SH

Other names (2)

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

Lomond Wealth Trading name: A name it trades under now.
Lomond Wealth Management Limited Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Lomond Financial Management Group Ltd, 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: SC526289 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 8 February 2016 (10 years old)
Registered office: 29 Brandon Street, Hamilton, South Lanarkshire, ML3 6DA, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Derek James Fish	Director	Jan 1976	8 Feb 2016	2 other companies
Susan Elizabeth Lafferty	Director	Jul 1981	4 May 2020	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 companies: 3
still active: 3
are FCA-registered: 2

In the full report: all 3 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
The 2 on the FCA register
All 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 28 February 2025Small company accountsNot audited

Net assets

£1.32m

+2.7% from £1.28m

Cash at bank

£125k

−65% from £357k

Employees (average)

16

+14% from 14

Owed within a year

£273k

−20% from £340k

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

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 SC526289. 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

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

Key events (5) All events (10)

2024

26 September 2024

Changed its registered name from "Lomond Wealth Management Limited"

FCA register

2016

6 April 2016

Derek James Fish became the majority owner (50–75% of shares)
Rona Fish became a part-owner (25–50% of shares)

Companies House

25 February 2016

Became an appointed representative

FCA register

8 February 2016

Incorporated at Companies House

Companies House

In the full report: all 10 events

All 10 events in its history (5 shown here)
Every director appointment and resignation: 4

Firms connected to Lomond Wealth Management

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

connected firms: 4
share a director: 2
share its phone number: 1

In the full report: all 4 connected firms, named

How each is linked: shared directors (2), the same phone number (1), the same postcode (3)
Who links each one: the named directors, with dates

Firms like Lomond Wealth Management

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

In Stirling

AGM Financial Services LtdStirlingAppointed representative Capercaillie Financial Advice LimitedStirlingAppointed representative First Base Accountants LimitedStirlingAppointed representative George Gill Financial Services LtdStirlingAppointed representative Gregor Davidson Wealth Management LtdStirlingAppointed representative KAG Accountancy LtdStirlingAppointed 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 Lomond 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
6 years of accounts, charted
All 10 events in its history
4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lomond Wealth Management LTD FCA authorised?

Lomond Wealth Management LTD (FRN 738180) 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 Lomond 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. Lomond Wealth Management LTD (FRN 738180) is an AR of Lomond Financial Management Group Ltd (FRN 488153). When you use Lomond Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lomond 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 Lomond Wealth Management’s phone number and website?

The FCA register lists the phone number 01786 542410 and the website lomondwealth.com for Lomond 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 Lomond Wealth Management a scam or clone?

Lomond 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 Lomond Wealth Management?

Protection works through Lomond Financial Management Group Ltd, the principal firm responsible for Lomond Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Lomond Wealth Management?

Companies House lists 2 people with significant control of Lomond Wealth Management: Mr Derek James Fish (50–75% of shares) and Mrs Rona Fish (25–50% of shares).

Who runs Lomond Wealth Management?

Companies House lists 2 directors of Lomond Wealth Management: Derek James Fish and Susan Elizabeth Lafferty.

How long has Lomond Wealth Management been in business?

The company was formed on 8 February 2016.

What do Lomond Wealth Management’s latest accounts show?

Its latest accounts, to 28 February 2025, show net assets of £1.32m (+2.7% from £1.28m) and cash at bank of £125k (−65% from £357k).

Does Lomond Wealth Management use any other names?

It trades as Lomond Wealth. It has previously used the name Lomond Wealth Management Limited.