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 9 years
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 30 September 2025
Responsible principal firm
Oculus Wealth Management Limited Reference number: 605985 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.
- Rickard Luckin Financial Services (OWM) Limited (FRN 788231) is an AR of Oculus Wealth Management Limited (FRN 605985). When you use Rickard Luckin Financial Services (OWM)'s services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Rickard Luckin Financial Services (OWM), 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.
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No website on the FCA register
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Phone number
-
Address
County House, 100 New London Road, Chelmsford, CM2 0RG, United Kingdom
In the full report: 2 background checks
- What kind of line 01245 254244 is
- Who else gives the postcode CM2 0RG
Other names (2)
If you were contacted under any of these names, it is this firm.
- Rickard Luckin Financial Services Trading name: A name it trades under now.
- RLFS Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Oculus Wealth Management 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, freeYou 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
- 10228184 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 13 June 2016 (10 years old)
- Registered office
- 1st Floor, County House, 100 New London Road, Chelmsford, Essex, CM2 0RG, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael James Killick | Director | Jan 1976 | 13 Jun 2016 | 6 other companies |
| Gary James Olds | Director | Jun 1963 | 13 Jun 2016 | 3 other companies |
| Matthew James Sand | Director | Jun 1970 | 13 Jun 2016 | 3 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
- 9
- closed down
- 1
- is FCA-registered
- 1
In the full report: all 9 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 3 companies these 3 directors run together
Filed accounts and finances
Net assets
£30.2k
+2.8% from £29.3k
Employees (average)
3
Same as 3
Owed within a year
£86.9k
+59% from £54.6k
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- The chart, over every year
- Every filed figure, year by year
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 10228184. 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
Rickard Luckin Financial Services (OWM)’s history from the FCA register and Companies House, newest first.
2026
22 January 2026
- Oculus Wealth Management (Chelmsford) Holdings Limited stopped being a part-owner
- Rickard Luckin Financial Services (Owm) Holdings Limited became a part-owner (25–50% of shares)
Companies House
20 January 2026
- Oculus Wealth Management (Chelmsford) Holdings Limited became a part-owner (25–50% of shares)
- Oculus Wealth Management (Chelmsford) Limited stopped being a part-owner
Companies House
2017
5 September 2017
- Became an appointed representative
FCA register
2016
13 June 2016
- Incorporated at Companies House
- Oculus Wealth Management (Chelmsford) Limited became a part-owner (25–50% of shares)
- Oculus Wealth Management (Chelmsford) Limited stopped being a part-owner
- Rickard Luckin Financial Services Limited became a part-owner (25–50% of shares)
- Rickard Luckin Financial Services Limited gained 25–50% of the votes
- Rickard Luckin Financial Services Limited no longer holds 25–50% of the votes
Companies House
In the full report: all 16 events
- All 16 events in its history (11 shown here)
- Every director appointment and resignation: 3
Firms connected to Rickard Luckin Financial Services (OWM)
Other FCA-listed firms that share a director, phone number or address with Rickard Luckin Financial Services (OWM). A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 1
- share its postcode
- 4
In the full report: all 4 connected firms, named
- How each is linked: shared directors (1), the same postcode (4)
- Who links each one: the named directors, with dates
Firms like Rickard Luckin Financial Services (OWM)
Other firms of the same type (financial adviser), nearest first.
In Chelmsford
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 Rickard Luckin Financial Services (OWM)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 9 other companies its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 16 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk