Lumin Wealth Management Limited

Reference number: 580185

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 luminwealth.co.uk first appeared online, and whether it can receive email
  • What kind of line 01727 893333 is, and the other firm that gives it
  • Who else gives the postcode AL1 3RD
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Other names (2)

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

  • Lumin Wealth Trading name
  • Fishpool Associates Wealth Management Ltd Former name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (13 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Dealing in investments as agent
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Managing investments

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
07366158
Company status
Active
Company type
Private limited company
Incorporated
6 September 2010 (16 years old)
Registered office
2nd Floor, 4 Beaconsfield Road, St. Albans, AL1 3RD, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Sarah Pamela Oluwole Director Nov 1990 15 Dec 2016 20 other companies
Markus Graf Director Aug 1976 17 May 2021 14 other companies
Kevin Jan Koenig Director May 1990 1 Jan 2024 2 other companies
Emily Freestone Secretary Not published 1 Jul 2026 –

Other companies run by these 3 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
23
closed down
9
are FCA-registered
4

In the full report: all 23 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 on the FCA register, including one no longer authorised
  • The 11 companies these 3 directors run together
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Profit before tax

−£17.5k

−110% from £171k

Net assets

£676k

−2% from £690k

Cash at bank

£137k

+6.8% from £129k

Owed within a year

£613k

+32% from £465k

The accounts for the year to 31 December 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £1.22m, for the year to 31 December 2024.

Turnover and profit

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • Both charts, 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 07366158. 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

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

Key events (14) All events (39)

2020

1 January 2020

  • John Robert Cusins stopped being a part-owner
  • Lumin Group Limited took control (75–100% of shares)
  • Martin Peter Cotter stopped being a part-owner

Companies House

2018

13 June 2018

  • Jon Hussey no longer has significant control

Companies House

2016

6 April 2016

  • John Robert Cusins became a part-owner (25–50% of shares)
  • Jon Hussey gained significant control
  • Louise Ann Cotter became a part-owner (25–50% of shares)
  • Louise Ann Cotter stopped being a part-owner
  • Martin Peter Cotter became a part-owner (25–50% of shares)

Companies House

2013

18 November 2013

  • Changed its registered name from "Fishpool Associates Wealth Management Ltd"

FCA register

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

2 July 2012

  • Became authorised by the FCA

FCA register

16 May 2012

  • Regulated by the Financial Services Authority from this date

FCA register

2010

6 September 2010

  • Incorporated at Companies House

Companies House

In the full report: all 39 events

  • All 39 events in its history (14 shown here)
  • Every director appointment and resignation: 21
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Firms connected to Lumin Wealth Management

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

connected firms
5
no longer authorised
1
share a director
4

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (4), the same phone number (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Lumin Wealth Management

Other firms of the same type (investment or fund manager), nearest first.

In St Albans

Capital Financial Markets LimitedSt AlbansAuthorisedShojin Financial Services LimitedSt AlbansAuthorisedNorthtree Investment Management LtdSt AlbansAppointed 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 Lumin Wealth Management

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

  • 23 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 39 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lumin Wealth Management Limited FCA authorised?
Yes, Lumin Wealth Management Limited (FRN 580185) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2012 and works as an investment or fund manager. The FCA has placed no limits on its permissions.
What is Lumin Wealth Management’s phone number and website?
The FCA register lists the phone number 01727 893333 and the website luminwealth.co.uk for Lumin 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 Lumin Wealth Management a scam or clone?
Lumin 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 Lumin Wealth Management?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Lumin Wealth Management to the Financial Ombudsman Service, free of charge.
Who owns Lumin Wealth Management?
Lumin Wealth Management is owned by Lumin Group Limited, which holds 75–100% of shares, since 1 January 2020. Before that, it was controlled by Mrs Louise Ann Cotter, Mr Jon Hussey and Mr John Robert Cusins.
Who runs Lumin Wealth Management?
Companies House lists 3 directors of Lumin Wealth Management: Sarah Pamela Oluwole, Markus Graf and Kevin Jan Koenig.
How long has Lumin Wealth Management been in business?
The company was formed on 6 September 2010, and has held its current FCA authorisation since July 2012.
What do Lumin Wealth Management’s latest accounts show?
Its latest accounts, to 31 December 2025, show profit before tax of −£17.5k (−110% from £171k) and net assets of £676k (−2% from £690k).
Does Lumin Wealth Management use any other names?
It trades as Lumin Wealth. It has previously used the name Fishpool Associates Wealth Management Ltd.

Sources and links

The full report on Lumin Wealth Management Limited

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