McHardy Private Wealth Limited

Reference number: 469955

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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, 1 thing worth a closer look

  • When mchardyprivatewealth.co.uk first appeared online, and whether it can receive email
  • What kind of line 0131 226 2012 is
  • Who else gives the postcode EH2 4HQ
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Other names (12)

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

  • McHardys Trading name
  • MPW Trading name
  • McHardy Private Wealth Ltd Former name
  • Wishart Wealth Management Ltd Former name
  • How Much Is Enough? Former trading name
  • Inspired Wealth Former trading name
  • Inspired Wealth Planning Former trading name
  • McHardy Wealth Former trading name
  • McHardy Wealth Aberdeen Former trading name
  • McHardy Wealth Edinburgh Former trading name
  • Wishart Wealth Former trading name
  • Wishart Wealth Management Former trading 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.
  • 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 (6 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Arranging (bringing about) deals in investments
  • Debt-counselling
  • Making arrangements with a view to transactions in 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
SC324229
Company status
Active
Company type
Private limited company
Incorporated
23 May 2007 (19 years old)
Registered office
13 Bon Accord Crescent, Aberdeen, AB11 6DE, Scotland
Nature of business
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew James Kerr Director Jan 1973 4 Sep 2018 14 other companies
Richard Andrew Fletcher Director Oct 1978 4 Sep 2018 5 other companies
Mark James Thornton-Smith Director Oct 1979 9 Mar 2023 None
Joseph O'Brien Director Sep 1983 20 Jan 2025 None
Jonathan Lindsay Mclaren Craig Director Sep 1980 28 Feb 2025 1 other company
Alan Murdo Hardie Director Apr 1965 19 Mar 2025 1 other company
Stuart Johnson Director Mar 1983 12 May 2025 None

Other companies run by these 7 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
14
closed down
7
are FCA-registered
3

In the full report: all 14 companies, named

  • What each company does, and whether it is still trading
  • Which of these 7 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register, including one no longer authorised
  • The 6 companies these 7 directors run together
  • All 10 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2024Full accountsNot audited

Net assets

£113k

−44% from £202k

Cash at bank

£81

−100% from £16.7k

Employees (average)

20

+100% from 10

Owed within a year

£658k

+125% from £292k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • The chart, 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 SC324229. 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

McHardy Private Wealth’s history from the FCA register and Companies House, newest first.

Key events (14) All events (49)

2025

24 July 2025

  • Changed its registered name from "McHardy Private Wealth Ltd"

FCA register

2022

31 August 2022

  • Changed its registered name from "Wishart Wealth Management Ltd"

FCA register

2020

1 June 2020

  • McHardy Financial Limited gave up control
  • McHardy Group Limited took control (75–100% of shares)

Companies House

2018

4 September 2018

  • Board replaced: both directors left and 3 new directors took over
  • Iain Paterson Wishart stopped being the majority owner
  • McHardy Financial Limited took control (75–100% of shares)
  • Valerie Anne Wishart stopped being a part-owner

Companies House

2016

6 April 2016

  • Iain Paterson Wishart became the majority owner (50–75% of shares)
  • Valerie Anne Wishart became a part-owner (25–50% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2007

3 September 2007

  • Became authorised by the FCA

FCA register

16 August 2007

  • Regulated by the Financial Services Authority from this date

FCA register

23 May 2007

  • Incorporated at Companies House

Companies House

In the full report: all 49 events

  • All 49 events in its history (14 shown here)
  • Every director appointment and resignation: 13
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Firms connected to McHardy Private Wealth

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

connected firm
1
share a director
1
past links
2

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
  • 2 past links through former directors
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Firms like McHardy Private Wealth

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

In Edinburgh

4ways Financial Solutions LLPEdinburghAuthorised56 Wealth Management LimitedEdinburghAuthorisedA1 Financial Solutions LtdEdinburghAuthorisedAlpha Wealth LimitedEdinburghAuthorisedAlva Wealth LimitedEdinburghAuthorisedAspire Wealth Management LimitedEdinburghAuthorised

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 McHardy Private Wealth

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

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 49 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is McHardy Private Wealth Limited FCA authorised?
Yes, McHardy Private Wealth Limited (FRN 469955) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2007 and works as a financial adviser. The FCA has placed no limits on its permissions.
What is McHardy Private Wealth’s phone number and website?
The FCA register lists the phone number 0131 226 2012 and the website mchardyprivatewealth.Co.uk for McHardy Private Wealth. If you were given different contact details, use these to check with the firm before going any further.
Is McHardy Private Wealth a scam or clone?
McHardy Private Wealth 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 McHardy Private Wealth?
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 McHardy Private Wealth to the Financial Ombudsman Service, free of charge.
Who owns McHardy Private Wealth?
McHardy Private Wealth is owned by McHardy Group Limited, which holds 75–100% of shares and 75–100% of votes, since 1 June 2020. Before that, it was controlled by Mr. Iain Paterson Wishart, Mrs Valerie Anne Wishart and McHardy Financial Limited.
Who runs McHardy Private Wealth?
Companies House lists 7 directors of McHardy Private Wealth: Andrew James Kerr, Richard Andrew Fletcher, Mark James Thornton-Smith, Joseph O'Brien, Jonathan Lindsay McLaren Craig, Alan Murdo Hardie and 1 more.
How long has McHardy Private Wealth been in business?
The company was formed on 23 May 2007, and has held its current FCA authorisation since September 2007.
What do McHardy Private Wealth’s latest accounts show?
Its latest accounts, to 30 September 2024, show net assets of £113k (−44% from £202k) and cash at bank of £81 (−100% from £16.7k).
Does McHardy Private Wealth use any other names?
It trades as McHardys and MPW. It has previously used 10 other names, including McHardy Private Wealth Ltd, Wishart Wealth Management Ltd and How Much Is Enough?.

Sources and links

The full report on McHardy Private Wealth Limited

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