Ramsay and White Wealth Management Limited: 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 4 years
Protected through the principal
No FCA actions
Active company since 2022
Accounts filed up to 31 March 2025
On its latest accounts it owed £4,504 more than it owned

Responsible principal firm

New Leaf Distribution Limited Reference number: 460421 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.
Ramsay and White Wealth Management Limited (FRN 975400) is an AR of New Leaf Distribution Limited (FRN 460421). When you use Ramsay and White Wealth Management's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Ramsay and White 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.

No website on the FCA register
Phone number

01702 431130

Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.
Address

49 Commercial Street, Mountain Ash, Rhondda Cynon Taf, CF45 3PS, United Kingdom

In the full report: 2 background checks

What kind of line 01702 431130 is, and the 152 other firms that give it
Who else gives the postcode CF45 3PS

Other names (1)

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

Ramsay and White Wealth Management Ltd Former name: A name it was registered under before.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through New Leaf Distribution Limited, 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 name: RAMSAY & WHITE WEALTH MANAGEMENT LIMITED
Company number: 13966120 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 9 March 2022 (4 years old)
Registered office: 49 Commercial Street, Mountain Ash, Mid Glamorgan, CF45 3PS, Wales
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Dean Christopher Terry Cripps	Director	Apr 1990	9 Mar 2022	2 other companies
Paul Davies	Director	May 1977	9 Mar 2022	12 other companies
Joel Michael White	Director	Nov 1987	9 Mar 2022	5 other companies

Other companies run by these 3 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: 13
closed down: 3
is FCA-registered: 1

In the full report: all 13 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 6 companies these 3 directors run together

Filed accounts and finances

Year to 31 March 2025Micro-entity accountsNot audited

Total equity

−£4,504

Up £1,353 from −£5,857

Employees (average)

0

Same as 0

Owed within a year

£319

−99% from £29.9k

Total equity is negative: on its last balance sheet the company owed £4,504 more than it owned.

Total equity

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 13966120. 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

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

Key events (9) All events (12)

2024

1 May 2024

Changed its registered name from "Ramsay and White Wealth Management Ltd"

FCA register

2023

11 September 2023

Paul Davies no longer has significant control

Companies House

2022

10 May 2022

Became an appointed representative

FCA register

9 March 2022

Incorporated at Companies House
Dean Christopher Terry Cripps gained significant control
Foremasons Limited became a part-owner (25–50% of shares)
J White Holdings Ltd became a part-owner (25–50% of shares)
Joel Michael White gained significant control
Paul Davies gained significant control

Companies House

In the full report: all 12 events

All 12 events in its history (9 shown here)
Every director appointment and resignation: 3

Firms connected to Ramsay and White Wealth Management

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

connected firms: 12
share a director: 1
share its phone number: 11

In the full report: all 12 connected firms, named

How each is linked: shared directors (1), the same phone number (11)
Who links each one: the named directors, with dates

Firms like Ramsay and White Wealth Management

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

In Mountain Ash

Mistral Consultancy LimitedMountain AshAuthorised

In the Cardiff (CF) postcode area

Abram Partnership LtdCardiffAppointed representative Acura Wealth LtdCowbridgeAppointed representative Adam Hughes Wealth Management LtdCardiffAppointed representative Anchorage Wealth & PlanningCowbridgeAppointed representative Andrew PrattCardiffAppointed 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 Ramsay and White Wealth Management

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

13 other companies its directors have run, named
2 background checks on its contact details
All 12 events in its history
12 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Ramsay and White Wealth Management Limited FCA authorised?

Ramsay and White Wealth Management Limited (FRN 975400) 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 Ramsay and White 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. Ramsay and White Wealth Management Limited (FRN 975400) is an AR of New Leaf Distribution Limited (FRN 460421). When you use Ramsay and White Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ramsay and White 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 Ramsay and White Wealth Management’s phone number?

The FCA register lists the phone number 01702 431130 for Ramsay and White Wealth Management. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 152 other FCA firms, one of which is no longer authorised.

Is Ramsay and White Wealth Management a scam or clone?

Ramsay and White 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 Ramsay and White Wealth Management?

Protection works through New Leaf Distribution Limited, the principal firm responsible for Ramsay and White Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Ramsay and White Wealth Management?

Companies House lists 4 people with significant control of Ramsay and White Wealth Management: J White Holdings Ltd (25–50% of shares), Foremasons Limited (25–50% of shares), Joel Michael White (significant influence or control) and Mr Dean Christopher Terry Cripps (significant influence or control). Before that, it was controlled by Mr Paul Davies.

Who runs Ramsay and White Wealth Management?

Companies House lists 3 directors of Ramsay and White Wealth Management: Dean Christopher Terry Cripps, Paul Davies and Joel Michael White.

How long has Ramsay and White Wealth Management been in business?

The company was formed on 9 March 2022.

What do Ramsay and White Wealth Management’s latest accounts show?

Its latest accounts, to 31 March 2025, show total equity of −£4,504 (up £1,353 from −£5,857).

Does Ramsay and White Wealth Management use any other names?

It has previously used the name Ramsay and White Wealth Management Ltd.