Rickard Luckin Financial Services (OWM) Limited

Reference number: 788231

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Oculus Wealth Management Limited Reference number: 605985 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.
  • Rickard Luckin Financial Services (OWM) Limited (FRN 788231) is an AR of Oculus Wealth Management Limited (FRN 605985). When you use Rickard Luckin Financial Services (OWM)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Rickard Luckin Financial Services (OWM), 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.

Identity

Check their details

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

  • Verified phone number

    01245 254244

  • Verified address

    County House, 100 New London Road, Chelmsford, CM2 0RG, United Kingdom

Also trades as
  • Rickard Luckin Financial Services
  • RLFS

Company details

From the company's Companies House record.

Company number
10228184
Company status
Active
Company type
Private limited company
Incorporated
13 June 2016 (10 years old)
Registered office
1st Floor, County House, 100 New London Road, Chelmsford, Essex, CM2 0RG, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Michael James Killick Director Jan 1976 13 Jun 2016
Gary James Olds Director Jun 1963 13 Jun 2016
Matthew James Sand Director Jun 1970 13 Jun 2016

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Oculus Wealth Management 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Rickard Luckin Financial Services (OWM) Limited FCA authorised?
Rickard Luckin Financial Services (OWM) Limited (FRN 788231) 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 Rickard Luckin Financial Services (OWM)?
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. Rickard Luckin Financial Services (OWM) Limited (FRN 788231) is an AR of Oculus Wealth Management Limited (FRN 605985). When you use Rickard Luckin Financial Services (OWM)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Rickard Luckin Financial Services (OWM), 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.
Is my money safe with Rickard Luckin Financial Services (OWM)?
Protection works through Oculus Wealth Management Limited, the principal firm responsible for Rickard Luckin Financial Services (OWM)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Rickard Luckin Financial Services (OWM) a scam or clone?
Rickard Luckin Financial Services (OWM) is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Rickard Luckin Financial Services (OWM)'s Firm Reference Number (FRN)?
Rickard Luckin Financial Services (OWM)'s FRN is 788231. You can verify it on the FCA register.