M J W Pensions & Investments Limited: 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 8 years
Protected through the principal
No FCA actions
Active company since 2017
Accounts filed up to 30 September 2025
Confirmation statement is overdue at Companies House

Responsible principal firm

Sandringham Financial Partners Limited Reference number: 581304 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.
M J W Pensions & Investments Limited (FRN 822777) is an AR of Sandringham Financial Partners Limited (FRN 581304). When you use M J W Pensions & Investments's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from M J W Pensions & Investments, 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

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

01437 767103
Address

Ty Derwen, Peniel, Carmarthen, Carmarthenshire, SA32 7HS, United Kingdom

In the full report: 3 background checks

When mjwpensionsandinvestments.co.uk first appeared online, and whether it can receive email
What kind of line 01437 767103 is, and the other firm that gives it
Who else gives the postcode SA32 7HS

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Sandringham Financial Partners Limited, 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.

Concerns on the company record

Confirmation statement is overdue at Companies House.

Company number: 10953949 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 8 September 2017 (9 years old)
Registered office: Ty Derwen, Peniel, Carmarthen, Carmartheshire, SA32 7HS, Wales
Nature of business: Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Matthew John Williams	Director	Dec 1969	8 Sep 2017	1 other company

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 company: 1
closed down: 1

In the full report: all 1 company, 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 30 September 2025Micro-entity accountsNot audited

Turnover

£112k

Not compared: the previous accounts cover a different length of time

Profit before tax

£31.2k

Not compared: the previous accounts cover a different length of time

Net assets

£13.8k

+1.8% from £13.5k

Employees (average)

2

−33% from 3

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.

Accounts filed at Companies House for company 10953949. 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

M J W Pensions & Investments’s history from the FCA register and Companies House, newest first.

2018

9 October 2018

Became an appointed representative

FCA register

2017

8 September 2017

Incorporated at Companies House
Matthew John Williams took control (75–100% of shares)
Matthew John Williams appointed as a director

Companies House

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

Firms connected to M J W Pensions & Investments

Other FCA-listed firms that share a director, phone number or address with M J W Pensions & Investments. A link shows who the firm is tied to, not whether either can be trusted.

connected firm: 1
share its phone number: 1

In the full report: the connected firm, named

How it is linked: the same phone number (1)
Who links it to this firm: the named directors, with dates

Firms like M J W Pensions & Investments

Other firms of the same type (insurance broker), nearest first.

In Carmarthen

Derwen Financial Planning LtdCarmarthenAppointed representative Dyfed Insure Services LtdCarmarthenAppointed representative P J McCarthy, G R Thomas & S N GeorgeCarmarthenAppointed representative Stephen Oliver JonesCarmarthenAppointed representative Montague Fox LimitedCarmarthenAppointed representative Seren Vets Carmarthen LimitedCarmarthenAppointed 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 M J W Pensions & Investments

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

1 other company its directors have run, named
3 background checks on its contact details
6 years of accounts, charted
All 4 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is M J W Pensions & Investments Limited FCA authorised?

M J W Pensions & Investments Limited (FRN 822777) 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 M J W Pensions & Investments?

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. M J W Pensions & Investments Limited (FRN 822777) is an AR of Sandringham Financial Partners Limited (FRN 581304). When you use M J W Pensions & Investments's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from M J W Pensions & Investments, 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 M J W Pensions & Investments’ phone number and website?

The FCA register lists the phone number 01437 767103 and the website mjwpensionsandinvestments.co.uk for M J W Pensions & Investments. 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 M J W Pensions & Investments a scam or clone?

M J W Pensions & Investments 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 M J W Pensions & Investments?

Protection works through Sandringham Financial Partners Limited, the principal firm responsible for M J W Pensions & Investments's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns M J W Pensions & Investments?

Companies House lists one person with significant control of M J W Pensions & Investments: Mr Matthew John Williams (75–100% of shares).

Who runs M J W Pensions & Investments?

Companies House lists one director of M J W Pensions & Investments: Matthew John Williams.

How long has M J W Pensions & Investments been in business?

The company was formed on 8 September 2017.

What do M J W Pensions & Investments’ latest accounts show?

Its latest accounts, to 30 September 2025, show turnover of £112k (not compared: the previous accounts cover a different length of time) and profit before tax of £31.2k (not compared: the previous accounts cover a different length of time).