Oath Wealth Consultants Limited

Reference number: 1018009

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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.
  • Oath Wealth Consultants Limited (FRN 1018009) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Oath Wealth Consultants's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Oath Wealth Consultants, 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, 1 thing worth a closer look

  • When partnership.sjp.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 616 2815 is
  • Whether M3 3EB is a shared office: 68 other firms give it
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Other names (1)

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

  • McGarvey Jones Financial Planning 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
15863621
Company status
Active
Company type
Private limited company
Incorporated
29 July 2024 (2 years old)
Registered office
Greenbank House, 141 Adelphi Street, Preston, Lancashire, PR1 7BH, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Thomas Moy Director Apr 1972 29 Jul 2024 3 other companies

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 companies
3
still active
3
is FCA-registered
1

In the full report: all 3 companies, 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
  • The one on the FCA register
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£203k

No earlier figure to compare

Cash at bank

£210k

No earlier figure to compare

Employees (average)

3

No earlier figure to compare

Owed within a year

£190k

No earlier figure to compare

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 15863621. 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

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

2024

31 October 2024

  • Began trading as "McGarvey Jones Financial Planning"

FCA register

10 September 2024

  • Became an appointed representative

FCA register

29 July 2024

  • Incorporated at Companies House
  • Stephen Thomas Moy took control (75–100% of shares)
  • Stephen Thomas Moy appointed as a director

Companies House

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

Firms connected to Oath Wealth Consultants

Other FCA-listed firms that share a director, phone number or address with Oath Wealth Consultants. 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
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Firms like Oath Wealth Consultants

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

In Manchester

Adeptio Wealth Management LtdManchesterAppointed representativeAJ Barnes Financial Planning LtdManchesterAppointed representativeAJ Brown Financial Planning LtdManchesterAppointed representativeAlexander BartonManchesterAppointed representativeAnderton & Associates Financial Planning LimitedManchesterAppointed representativeAndrew Street Financial ServicesManchesterAppointed 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 Oath Wealth Consultants

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 5 events in its history

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Frequently asked questions about this firm

Is Oath Wealth Consultants Limited FCA authorised?
Oath Wealth Consultants Limited (FRN 1018009) 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 Oath Wealth Consultants?
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. Oath Wealth Consultants Limited (FRN 1018009) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Oath Wealth Consultants's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Oath Wealth Consultants, 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 Oath Wealth Consultants’ phone number and website?
The FCA register lists the phone number 0161 616 2815 and the website partnership.sjp.co.uk/mcgarveyjonesfp for Oath Wealth Consultants. If you were given different contact details, use these to check with the firm before going any further.
Is Oath Wealth Consultants a scam or clone?
Oath Wealth Consultants 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 Oath Wealth Consultants?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Oath Wealth Consultants's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Oath Wealth Consultants?
Companies House lists one person with significant control of Oath Wealth Consultants: Mr Stephen Thomas Moy (75–100% of shares).
Who runs Oath Wealth Consultants?
Companies House lists one director of Oath Wealth Consultants: Stephen Thomas Moy.
How long has Oath Wealth Consultants been in business?
The company was formed on 29 July 2024.
What do Oath Wealth Consultants’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £203k (no earlier figure to compare) and cash at bank of £210k (no earlier figure to compare).
Does Oath Wealth Consultants use any other names?
It trades as McGarvey Jones Financial Planning.

Sources and links

The full report on Oath Wealth Consultants Limited

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