Paul Richardson

Reference number: 606197

Instant download

Appointed representative

Paul Richardson does not hold FCA authorisation of their own, and acts under a principal firm, which is legally responsible for their 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.
  • Paul Richardson (FRN 606197) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Paul Richardson's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Paul Richardson, 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 paulrichardsonwealth.co.uk first appeared online, and whether it can receive email
  • What kind of line 01923 466591 is
  • Who else gives the postcode WD3 1DE
Instant PDF download
Other names (1)

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

  • Vine Tree Financial Services 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.

Key dates in its history

Paul Richardson’s history from the FCA register and Companies House, newest first.

2023

11 August 2023

  • Began trading as "Vine Tree Financial Services"

FCA register

2013

20 August 2013

  • Became an appointed representative

FCA register

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

Firms like Paul Richardson

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

In Rickmansworth

Ben Ricketts Wealth Management LtdRickmansworthAppointed representativeClive RichmondRickmansworthAppointed representativeJon-Paul HardyRickmansworthAppointed representativeRajiv PrabhakarRickmansworthAppointed representativeSevern Financial LtdRickmansworthAppointed representativeSquare Mile Wealth LimitedRickmansworthAppointed 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 Paul Richardson

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

  • 3 background checks on its contact details
  • All 2 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Paul Richardson FCA authorised?
Paul Richardson (FRN 606197) 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 Paul Richardson?
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. Paul Richardson (FRN 606197) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Paul Richardson's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Paul Richardson, 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 Paul Richardson’s phone number and website?
The FCA register lists the phone number 01923 466591 and the website Paulrichardsonwealth.co.uk for Paul Richardson. If you were given different contact details, use these to check with the firm before going any further.
Is Paul Richardson a scam or clone?
Paul Richardson 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 Paul Richardson?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Paul Richardson's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Paul Richardson use any other names?
It trades as Vine Tree Financial Services.

Sources and links

The full report on Paul Richardson

£19.99 · Instant PDF download

Loading secure checkout…