NJL Wealth LLP: 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 under a year
Protected through the principal
No FCA actions
Active company since 2025

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.
NJL Wealth LLP (FRN 1046247) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use NJL Wealth's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from NJL 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.

Website

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

07456 970040
Address

Montague Court, 21-25 London Road, Newbury, RG14 1JL, United Kingdom

In the full report: 3 background checks

When njlwealth.co.uk first appeared online, and whether it can receive email
What kind of line 07456 970040 is
Who else gives the postcode RG14 1JL

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: OC456933 (opens Companies House in a new tab)
Company status: Active
Company type: Limited liability partnership
Incorporated: 30 May 2025 (1 year old)
Registered office: Brookleigh, Milley Road, Waltham St Lawrence, Berkshire, RG10 0JR

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Jennifer Sarah Lake	LLP designated member	May 1993	30 May 2025	1 other company
Richard Michael Lake	LLP designated member	Jun 1986	30 May 2025	2 other companies

Other companies run by these 2 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: 2
still active: 2
is FCA-registered: 1

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 1 company these 2 directors run together

Key dates in its history

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

2025

13 December 2025

Became an appointed representative

FCA register

30 May 2025

Incorporated at Companies House
Richard Michael Lake took control (75–100% of shares)
Jennifer Sarah Lake appointed as a director
Richard Michael Lake appointed as a director

Companies House

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

Firms connected to NJL Wealth

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

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like NJL Wealth

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

In Newbury

Andrew Street Wealth Management LtdNewburyAppointed representative Baggerman Wealth Management LtdNewburyAppointed representative Beckley Financial Planning LtdNewburyAppointed representative Brian Kin Pong LiuNewburyAppointed representative Chune SangNewburyAppointed representative Creative Lifestyle Planning LtdNewburyAppointed 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 NJL Wealth

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

2 other companies its directors have run, named
3 background checks on its contact details
All 5 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is NJL Wealth LLP FCA authorised?

NJL Wealth LLP (FRN 1046247) 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 NJL Wealth?

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. NJL Wealth LLP (FRN 1046247) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use NJL Wealth's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from NJL 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.

What is NJL Wealth’s phone number and website?

The FCA register lists the phone number 07456 970040 and the website njlwealth.co.uk for NJL Wealth. If you were given different contact details, use these to check with the firm before going any further.

Is NJL Wealth a scam or clone?

NJL 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 NJL Wealth?

Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for NJL Wealth's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns NJL Wealth?

Companies House lists one person with significant control of NJL Wealth: Mr Richard Michael Lake (75–100% of votes).

Who runs NJL Wealth?

Companies House lists 2 directors of NJL Wealth: Jennifer Sarah Lake and Richard Michael Lake.

How long has NJL Wealth been in business?

The company was formed on 30 May 2025.