Wayne Morgan Financial Services Ltd

Reference number: 945181

Instant download

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

Personal Touch Financial Services Limited Reference number: 187834 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.
  • Wayne Morgan Financial Services Ltd (FRN 945181) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Wayne Morgan Financial Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Wayne Morgan Financial Services, 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.

  • No website on the FCA register

  • Phone number

    07752 754231

  • Address

    6 Clos Y Capel, Llanelli, Sir Gaerfyrddin, SA14 9AQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 07752 754231 is
  • Who else gives the postcode SA14 9AQ
Instant PDF download
Other names (1)

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

  • Castle Mortgage and Protection Solutions Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Personal Touch Financial Services 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 name
WAYNE MORGAN FINANCIAL SERVICES LIMITED
Company number
09809740
Company status
Active
Company type
Private limited company
Incorporated
5 October 2015 (11 years old)
Registered office
6 Clos Y Capel, Llanelli, Dyfed, SA14 9AQ, United Kingdom
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Wayne Rhys Morgan Director Jul 1974 5 Oct 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
Instant PDF download

Filed accounts and finances

Year to 31 October 2025Small company accountsNot audited

Net assets

£12.0k

+491% from £2,036

Cash at bank

£2,492

Up £2,311 from £181

Employees (average)

2

Same as 2

Owed within a year

£42.4k

−14% from £49.5k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 09809740. 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

Wayne Morgan Financial Services’s history from the FCA register and Companies House, newest first.

2023

1 November 2023

  • Alexandra Jade Rivers Morgan became a part-owner (25–50% of shares)

Companies House

2021

17 February 2021

  • Became an appointed representative
  • Began trading as "Castle Mortgage and Protection Solutions"

FCA register

2016

6 April 2016

  • Wayne Rhys Morgan became the majority owner (50–75% of shares)

Companies House

2015

5 October 2015

  • Incorporated at Companies House
  • Wayne Rhys Morgan appointed as a director

Companies House

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

Firms like Wayne Morgan Financial Services

Other firms of the same type (mortgage adviser or broker), nearest first.

In Llanelli

ALC Mortgages LimitedLlanelliAppointed representativeMark Lloyd Mortgages LtdLlanelliAppointed representativeSasha Grant Financial Services LtdLlanelliAppointed representativeTina Lloyd Financial Services LimitedLlanelliAppointed representativeCeltic UPVC LtdLlanelliAppointed representativeJust Financial Services (Wales) LtdLlanelliAuthorised

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 Wayne Morgan Financial Services

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
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 6 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Wayne Morgan Financial Services Ltd FCA authorised?
Wayne Morgan Financial Services Ltd (FRN 945181) 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 Wayne Morgan Financial Services?
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. Wayne Morgan Financial Services Ltd (FRN 945181) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Wayne Morgan Financial Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Wayne Morgan Financial Services, 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 Wayne Morgan Financial Services’ phone number?
The FCA register lists the phone number 07752 754231 for Wayne Morgan Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Wayne Morgan Financial Services a scam or clone?
Wayne Morgan Financial Services 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 Wayne Morgan Financial Services?
Protection works through Personal Touch Financial Services Limited, the principal firm responsible for Wayne Morgan Financial Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Wayne Morgan Financial Services?
Companies House lists 2 people with significant control of Wayne Morgan Financial Services: Mr Wayne Rhys Morgan (50–75% of shares) and Alexandra Jade Rivers Morgan (25–50% of shares).
Who runs Wayne Morgan Financial Services?
Companies House lists one director of Wayne Morgan Financial Services: Wayne Rhys Morgan.
How long has Wayne Morgan Financial Services been in business?
The company was formed on 5 October 2015.
What do Wayne Morgan Financial Services’ latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £12.0k (+491% from £2,036) and cash at bank of £2,492 (up £2,311 from £181).
Does Wayne Morgan Financial Services use any other names?
It trades as Castle Mortgage and Protection Solutions.

Sources and links

The full report on Wayne Morgan Financial Services Ltd

£19.99 · Instant PDF download

Loading secure checkout…