SMJ Wealth Limited

Reference number: 824620

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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.
  • SMJ Wealth Limited (FRN 824620) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use SMJ Wealth's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from SMJ Wealth, 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 partnership.sjp.co.uk first appeared online, and whether it can receive email
  • What kind of line 07702 023937 is
  • Who else gives the postcode CF39 8FD
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Other names (1)

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

  • Steven James Former 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
17495918
Company status
Active
Company type
Private limited company
Incorporated
2 October 2026 (less than a year old)
Registered office
Inspiration House, Williams Place, Pontypridd, Mid Glamorgan, CF37 5BH, Wales
Nature of business
  • Pension funding (SIC 65300)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven James Director Jul 1977 2 Oct 2026 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

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

Key events (4) All events (7)

2026

23 October 2026

  • Changed its registered name from "Steven James"

FCA register

2 October 2026

  • Incorporated at Companies House
  • Steven James took control (75–100% of shares)

Companies House

2018

31 October 2018

  • Became an appointed representative

FCA register

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like SMJ Wealth

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

In Porth

Steven PeacheyPorthAppointed representative

In the Cardiff (CF) postcode area

Abram Partnership LtdCardiffAppointed representativeAcura Wealth LtdCowbridgeAppointed representativeAdam Hughes Wealth Management LtdCardiffAppointed representativeAnchorage Wealth & PlanningCowbridgeAppointed representativeAndrew 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 SMJ Wealth

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
  • All 7 events in its history

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Frequently asked questions about this firm

Is SMJ Wealth Limited FCA authorised?
SMJ Wealth Limited (FRN 824620) 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 SMJ Wealth?
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. SMJ Wealth Limited (FRN 824620) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use SMJ Wealth's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from SMJ Wealth, 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 SMJ Wealth’s phone number and website?
The FCA register lists the phone number 07702 023937 and the website partnership.sjp.co.uk/partner/smjwealth for SMJ Wealth. If you were given different contact details, use these to check with the firm before going any further.
Is SMJ Wealth a scam or clone?
SMJ Wealth 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 SMJ Wealth?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for SMJ Wealth's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns SMJ Wealth?
Companies House lists one person with significant control of SMJ Wealth: Mr Steven James (75–100% of shares).
Who runs SMJ Wealth?
Companies House lists one director of SMJ Wealth: Steven James.
How long has SMJ Wealth been in business?
The company was formed on 2 October 2026.
Does SMJ Wealth use any other names?
It has previously used the name Steven James.

Sources and links

The full report on SMJ Wealth Limited

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