SDG Wealth Management Ltd

Reference number: 916711

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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

M&G ADVICE PARTNERS LIMITED Reference number: 584256 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.
  • SDG Wealth Management Ltd (FRN 916711) is an AR of M&G ADVICE PARTNERS LIMITED (FRN 584256). When you use SDG Wealth Management's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SDG 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.

In the full report: 3 background checks

  • When mandgwealth.com first appeared online, and whether it can receive email
  • What kind of line 07766 085244 is
  • Who else gives the postcode CM1 1NH
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through M&g Advice Partners 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 number
12193566
Company status
Active
Company type
Private limited company
Incorporated
6 September 2019 (7 years old)
Registered office
C/O Cbhc Ltd Steeple House, Suite 3, Church Lane, Chelmsford, Essex, CM1 1NH, United Kingdom
Nature of business
  • Life insurance (SIC 65110)
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Derek Griffiths Director Dec 1960 6 Sep 2019 None
Michelle Louise Turner Director Oct 1978 3 Nov 2020 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
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Filed accounts and finances

Year to 5 April 2026Small company accountsNot audited

Net assets

£2,140

−3.3% from £2,212

Cash at bank

£27.0k

−41% from £45.9k

Employees (average)

3

Same as 3

Owed within a year

£34.3k

−25% from £45.9k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 12193566. 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

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

2020

3 November 2020

  • Michelle Louise Turner became a part-owner (25–50% of shares)
  • Michelle Louise Turner appointed as a director

Companies House

2019

13 November 2019

  • Became an appointed representative

FCA register

6 September 2019

  • Incorporated at Companies House
  • Stephen Derek Griffiths became a part-owner (25–50% of shares)
  • Stephen Derek Griffiths appointed as a director

Companies House

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

Firms like SDG Wealth Management

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

In the Chelmsford (CM) postcode area

Alex Bergin-McCarthyIngatestoneAppointed representativeAndrew Skinner Wealth Management LimitedAppointed representativeAndrew ToddAppointed representativeApply Wise Financial LtdEppingAppointed representativeAtlas Personal Wealth Management LtdWithamAppointed representativeAzets Financial Planning LimitedChelmsfordAppointed 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 SDG Wealth Management

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is SDG Wealth Management Ltd FCA authorised?
SDG Wealth Management Ltd (FRN 916711) 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 SDG 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. SDG Wealth Management Ltd (FRN 916711) is an AR of M&G ADVICE PARTNERS LIMITED (FRN 584256). When you use SDG Wealth Management's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from SDG 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 SDG Wealth Management’s phone number and website?
The FCA register lists the phone number 07766 085244 and the website mandgwealth.com/sdgwealthmanagement for SDG Wealth Management. If you were given different contact details, use these to check with the firm before going any further.
Is SDG Wealth Management a scam or clone?
SDG 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 SDG Wealth Management?
Protection works through M&g Advice Partners Limited, the principal firm responsible for SDG Wealth Management's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns SDG Wealth Management?
Companies House lists 2 people with significant control of SDG Wealth Management: Mr Stephen Derek Griffiths (25–50% of shares) and Mrs Michelle Louise Turner (25–50% of shares).
Who runs SDG Wealth Management?
Companies House lists 2 directors of SDG Wealth Management: Stephen Derek Griffiths and Michelle Louise Turner.
How long has SDG Wealth Management been in business?
The company was formed on 6 September 2019.
What do SDG Wealth Management’s latest accounts show?
Its latest accounts, to 5 April 2026, show net assets of £2,140 (−3.3% from £2,212) and cash at bank of £27.0k (−41% from £45.9k).

Sources and links

The full report on SDG Wealth Management Ltd

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