Loralei Richards Wealth Management

Reference number: 532888

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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.
  • Loralei Richards Wealth Management (FRN 532888) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Loralei Richards Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Loralei Richards 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 loraleirichards.co.uk first appeared online, and whether it can receive email
  • What kind of line 01594 887407 is
  • Who else gives the postcode GL17 0DD
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Other names (2)

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

  • T&L Richards Trading name
  • Loralei Richards Former 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.

Key dates in its history

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

2010

21 October 2010

  • Changed its registered name from "Loralei Richards"
  • Began trading as "T&L Richards"

FCA register

5 October 2010

  • Became an appointed representative

FCA register

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

Firms connected to Loralei Richards Wealth Management

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Loralei Richards Wealth Management

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

In the Gloucester (GL) postcode area

ACG Financial LimitedStavertonAppointed representativeAlexander WheelerStroudAppointed representativeAmir MahvanCheltenhamAppointed representativeAnderson Wealth Advice LimitedCheltenhamAppointed representativeAndrew ShawGloucesterAppointed representativeAngus CarmichaelCheltenhamAppointed 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 Loralei Richards Wealth Management

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

  • 3 background checks on its contact details
  • All 3 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Loralei Richards Wealth Management FCA authorised?
Loralei Richards Wealth Management (FRN 532888) 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 Loralei Richards 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. Loralei Richards Wealth Management (FRN 532888) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Loralei Richards Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Loralei Richards 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 Loralei Richards Wealth Management’s phone number and website?
The FCA register lists the phone number 01594 887407 and the website loraleirichards.co.uk for Loralei Richards Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is Loralei Richards Wealth Management a scam or clone?
Loralei Richards 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 Loralei Richards Wealth Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Loralei Richards Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Loralei Richards Wealth Management use any other names?
It trades as T&L Richards. It has previously used the name Loralei Richards.

Sources and links

The full report on Loralei Richards Wealth Management

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