TNW Wealth Limited

Reference number: 1010391

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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

ValidPath Limited Reference number: 197107 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.
  • TNW Wealth Limited (FRN 1010391) is an AR of ValidPath Limited (FRN 197107). When you use TNW Wealth's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from TNW 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 tnwwealth.co.uk first appeared online, and whether it can receive email
  • What kind of line 01626 366995 is
  • Who else gives the postcode TQ12 5NF
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through ValidPath 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
15413491
Company status
Active
Company type
Private limited company
Incorporated
15 January 2024 (2 years old)
Registered office
37 Strawberry How Road, Cockermouth, CA13 9ZD, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Jonathan Luscombe Director Jun 1961 15 Jan 2024 1 other company
Richard Antony Walsh Director Oct 1965 15 Jan 2024 1 other company
Timothy Nicholas Woolnough Director Nov 1963 15 Jan 2024 8 other companies
Timothy Nicholas Woolnough Secretary Not published 15 Jan 2024 –

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
8
closed down
2
is FCA-registered
1

In the full report: all 8 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 1 company these 3 directors run together
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£71.1k

−5.8% from £75.5k

Cash at bank

£114k

−7% from £123k

Employees (average)

6

+20% from 5

Owed within a year

£75.0k

+19% from £62.9k

Assets and liabilities

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 15413491. 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

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

Key events (7) All events (10)

2024

2 December 2024

  • Andrew Jonathan Luscombe no longer holds 25–50% of the votes

Companies House

20 November 2024

  • Became an appointed representative

FCA register

1 April 2024

  • Richard Antony Walsh stopped being a part-owner

Companies House

15 January 2024

  • Incorporated at Companies House
  • Andrew Jonathan Luscombe gained 25–50% of the votes
  • Richard Antony Walsh became a part-owner (25–50% of shares)
  • Timothy Nicholas Woolnough became a part-owner (25–50% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms connected to TNW Wealth

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like TNW Wealth

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

In Newton Abbot

Maskery WM LtdNewton AbbotAppointed representativeNavigation Financial Planning LimitedNewton AbbotAppointed representativeRichard Armitage Wealth Management LLPNewton AbbotAppointed representativeTom Seddon LimitedNewton AbbotAppointed representativeActive Financial Advisers LtdNewton AbbotAuthorisedCharles Royle & CompanyNewton AbbotAuthorised

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 TNW Wealth

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 10 events in its history

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Frequently asked questions about this firm

Is TNW Wealth Limited FCA authorised?
TNW Wealth Limited (FRN 1010391) 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 TNW 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. TNW Wealth Limited (FRN 1010391) is an AR of ValidPath Limited (FRN 197107). When you use TNW Wealth's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from TNW 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 TNW Wealth’s phone number and website?
The FCA register lists the phone number 01626 366995 and the website tnwwealth.co.uk for TNW Wealth. If you were given different contact details, use these to check with the firm before going any further.
Is TNW Wealth a scam or clone?
TNW 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 TNW Wealth?
Protection works through ValidPath Limited, the principal firm responsible for TNW Wealth's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns TNW Wealth?
Companies House lists one person with significant control of TNW Wealth: Mr Timothy Nicholas Woolnough (25–50% of shares). Before that, it was controlled by Mr Andrew Jonathan Luscombe and Mr Richard Antony Walsh.
Who runs TNW Wealth?
Companies House lists 3 directors of TNW Wealth: Andrew Jonathan Luscombe, Richard Antony Walsh and Timothy Nicholas Woolnough.
How long has TNW Wealth been in business?
The company was formed on 15 January 2024.
What do TNW Wealth’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £71.1k (−5.8% from £75.5k) and cash at bank of £114k (−7% from £123k).

Sources and links

The full report on TNW Wealth Limited

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