Mallard Wealth Ltd
Reference number: 1043747
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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
ValidPath Limited Reference number: 197107 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.
- Mallard Wealth Ltd (FRN 1043747) is an AR of ValidPath Limited (FRN 197107). When you use Mallard Wealth's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Mallard Wealth, 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.
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Phone number
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Address
12A Montpellier Parade, Harrogate, North Yorkshire, HG1 2TJ, United Kingdom
In the full report: 3 background checks
- When mallardwealth.co.uk first appeared online, and whether it can receive email
- What kind of line 07393 643314 is
- Who else gives the postcode HG1 2TJ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through ValidPath 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, freeYou 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
- 16571918 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 9 July 2025 (1 year old)
- Registered office
- 12a Montpellier Parade, Harrogate, HG1 2TJ, England
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| William Allan Joshua Gardner | Director | Mar 1994 | 9 Jul 2025 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Key dates in its history
Mallard Wealth’s history from the FCA register and Companies House, newest first.
2025
17 October 2025
- Became an appointed representative
FCA register
9 July 2025
- Incorporated at Companies House
- William Allan Joshua Gardner took control (75–100% of shares)
- William Allan Joshua Gardner appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Mallard Wealth
Other FCA-listed firms that share a director, phone number or address with Mallard Wealth. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Mallard Wealth
Other firms of the same type (financial adviser), nearest first.
In Harrogate
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 Mallard Wealth
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 3 background checks on its contact details
- 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 Mallard Wealth Ltd FCA authorised?
What does appointed representative mean for Mallard Wealth?
What is Mallard Wealth’s phone number and website?
Is Mallard Wealth a scam or clone?
Is my money safe with Mallard Wealth?
Who owns Mallard Wealth?
Who runs Mallard Wealth?
How long has Mallard Wealth been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk