Stephen Harding

Reference number: 415106

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Appointed representative

Stephen Harding 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.
  • Stephen Harding (FRN 415106) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Stephen Harding's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Stephen Harding, 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, 1 thing worth a closer look

  • When sjpp.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8042 0590 is
  • Whether EC3V 9BQ is a shared office: 226 other firms give it
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Other names (2)

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

  • Capital Wealth Management Trading name
  • Wealth Management Solutions Former name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • 07403 188015
Fake email addresses (6)
  • conor.brennan@capitalwealthmanagement.co
  • lisa.detanna@capitalwealthmanagement.co
  • nick.hender@capitalwealthmanagement.co
  • nicole.hewson@capitalwealthmanagement.co
  • ryan.blicker@capitalwealthmanagement.co
  • support@capitalwealthmanagement.co
Fake websites (2)
  • capitalwealthmanagement.co
  • clientzone.capitalwealthmanagement.co
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Key dates in its history

Stephen Harding’s history from the FCA register and Companies House, newest first.

2024

19 September 2024

  • Changed its registered name from "Capital Wealth Management"
  • Began trading as "Capital Wealth Management"

FCA register

4 January 2024

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2006

3 July 2006

  • Changed its registered name from "Wealth Management Solutions"

FCA register

5 June 2006

  • Changed its registered name from "Stephen Harding"

FCA register

2004

18 November 2004

  • Became an appointed representative

FCA register

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

Firms like Stephen Harding

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

In London

SIX Financial Information UK LimitedLondonAppointed representativeBarrenjoey Investment Management (UK) LimitedLondonAppointed representativeMoonfare UK LimitedLondonAppointed representativeAlpha FX Institutional LimitedLondonAppointed representativeLCP Capital Solutions LimitedLondonAppointed representativeBrighton Park Capital UK LimitedLondonAppointed 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 Stephen Harding

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, 1 flagged
  • All 6 events in its history

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Frequently asked questions about this firm

Is Stephen Harding FCA authorised?
Stephen Harding (FRN 415106) 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 Stephen Harding?
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. Stephen Harding (FRN 415106) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use Stephen Harding's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Stephen Harding, 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 Stephen Harding’s phone number and website?
The FCA register lists the phone number 020 8042 0590 and the website sjpp.co.uk/cwm for Stephen Harding. If you were given different contact details, use these to check with the firm before going any further.
Is Stephen Harding a scam or clone?
Scammers have impersonated Stephen Harding: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Stephen Harding, shown on this page.
Is my money safe with Stephen Harding?
Protection works through St. James's Place Wealth Management PLC, the principal firm responsible for Stephen Harding's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Stephen Harding use any other names?
It trades as Capital Wealth Management. It has previously used the name Wealth Management Solutions.

Sources and links

The full report on Stephen Harding

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