VIVA Wealth Ltd
Reference number: 749293
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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.
- Appointed for 10 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 March 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
St. James's Place Wealth Management Plc Reference number: 195351 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.
- VIVA Wealth Ltd (FRN 749293) is an AR of St. James's Place Wealth Management Plc (FRN 195351). When you use VIVA Wealth's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from VIVA 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.
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Phone number
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Address
30 Lombard Street, London, EC3V 9BQ, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When vivawealth.co.uk first appeared online, and whether it can receive email
- What kind of line 07977 612787 is
- Whether EC3V 9BQ is a shared office: 222 other firms give it
Other names (4)
If you were contacted under any of these names, it is this firm.
- Luke Carless Former name: A name it was registered under before.
- Luke Carless Wealth Management Limited Former name: A name it was registered under before.
- Luke Carless Wealth Management Ltd Former name: A name it was registered under before.
- Viva Wealth Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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, 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
- 13384039 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 10 May 2021 (5 years old)
- Registered office
- 8 Beckford Gardens, Bath, BA2 6QU, England
- Nature of business
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- Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Luke Joseph Carless | Director | Apr 1988 | 10 May 2021 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£502k
+4.8% from £479k
Employees (average)
0
−100% from 4
Owed within a year
£240k
+6% from £226k
Assets and liabilities
In the full report: all 4 years of accounts
- Every year from 2022 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 13384039. 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
VIVA Wealth’s history from the FCA register and Companies House, newest first.
2024
9 August 2024
- Changed its registered name from "Viva Wealth Limited"
FCA register
2022
14 October 2022
- Changed its registered name from "Luke Carless Wealth Management Limited"
FCA register
5 August 2022
- Changed its registered name from "Luke Carless Wealth Management Ltd"
FCA register
2021
28 June 2021
- Changed its registered name from "Luke Carless"
FCA register
10 May 2021
- Incorporated at Companies House
- Luke Joseph Carless became the majority owner (50–75% of shares)
Companies House
2016
7 June 2016
- Became an appointed representative
FCA register
In the full report: all 11 events
- All 11 events in its history (7 shown here)
- Every director appointment and resignation: 1
Firms like VIVA Wealth
Other firms of the same type (financial adviser), nearest first.
In London
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 VIVA 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, 1 flagged
- 4 years of accounts, charted
- All 11 events in its history
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Frequently asked questions about this firm
Is VIVA Wealth Ltd FCA authorised?
What does appointed representative mean for VIVA Wealth?
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Who owns VIVA Wealth?
Who runs VIVA Wealth?
How long has VIVA Wealth been in business?
What do VIVA Wealth’s latest accounts show?
Does VIVA Wealth use any other names?
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