Nico Wealth Management Limited

Reference number: 1016890

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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.
  • Nico Wealth Management Limited (FRN 1016890) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Nico Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Nico 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 hwfinancial.co.uk first appeared online, and whether it can receive email
  • What kind of line 07748 216357 is
  • Who else gives the postcode CF10 3FD
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Other names (2)

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

  • Huw Williams Former name
  • Huw Williams Financial Management Former trading 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
17128523
Company status
Active
Company type
Private limited company
Incorporated
31 March 2026 (less than a year old)
Registered office
107 Lansdowne Road, Cardiff, CF5 1PS, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Huw Williams Director Dec 1983 31 Mar 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

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

Key events (4) All events (7)

2026

14 May 2026

  • Changed its registered name from "Huw Williams"

FCA register

31 March 2026

  • Incorporated at Companies House
  • Huw Williams took control (75–100% of shares)

Companies House

2024

13 July 2024

  • Became an appointed representative

FCA register

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Nico Wealth Management

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

In Cardiff

Abram Partnership LtdCardiffAppointed representativeAdam Hughes Wealth Management LtdCardiffAppointed representativeAndrew PrattCardiffAppointed representativeAndrew VarleyCardiffAppointed representativeBen PerkinsCardiffAppointed representativeBen StringerCardiffAppointed 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 Nico Wealth Management

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 7 events in its history

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Frequently asked questions about this firm

Is Nico Wealth Management Limited FCA authorised?
Nico Wealth Management Limited (FRN 1016890) 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 Nico 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. Nico Wealth Management Limited (FRN 1016890) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Nico Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Nico 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 Nico Wealth Management’s phone number and website?
The FCA register lists the phone number 07748 216357 and the website hwfinancial.co.uk for Nico Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is Nico Wealth Management a scam or clone?
Nico 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 Nico Wealth Management?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Nico Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Nico Wealth Management?
Companies House lists one person with significant control of Nico Wealth Management: Mr Huw Williams (75–100% of shares).
Who runs Nico Wealth Management?
Companies House lists one director of Nico Wealth Management: Huw Williams.
How long has Nico Wealth Management been in business?
The company was formed on 31 March 2026.
Does Nico Wealth Management use any other names?
It has previously used 2 other names: Huw Williams and Huw Williams Financial Management.

Sources and links

The full report on Nico Wealth Management Limited

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