Waterhouse Financial Advisers Ltd

Reference number: 190712

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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.

The FCA register does not name a principal for this 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.
  • Waterhouse Financial Advisers Ltd (FRN 190712) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from Waterhouse Financial Advisers, 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.

Company details

From the company's Companies House record.

Company number
09469734
Company status
Active
Company type
Private limited company
Incorporated
4 March 2015 (11 years old)
Registered office
23 High Street, Midsomer Norton, Radstock, BA3 2DR
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Elizabeth Alexandra Dennis Director Jun 1987 10 Apr 2021
James Mark Docherty Director Mar 1985 10 Apr 2021
Samuel Robert Knight Director Jan 1993 10 Apr 2021
Liam Paul Ring Director Mar 1993 10 Apr 2021
Lawrence Adam Docherty Director Feb 1991 9 Jun 2021

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 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.

Previously registered as

The FCA register holds 3 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • P M Ring Independent Financial Advisers (2737)
  • Waterhouse Independent Financial Advisers
  • Waterhouse Independent Financial Advisers Ltd

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • Waterhouse Independent Financial Advisers

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Common questions

Frequently asked questions

Is Waterhouse Financial Advisers Ltd FCA authorised?
Waterhouse Financial Advisers Ltd (FRN 190712) 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 Waterhouse Financial Advisers?
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. Waterhouse Financial Advisers Ltd (FRN 190712) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from Waterhouse Financial Advisers, 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 Waterhouse Financial Advisers?
Protection works through the principal firm responsible for Waterhouse Financial Advisers's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Waterhouse Financial Advisers a scam or clone?
Waterhouse Financial Advisers 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 Waterhouse Financial Advisers's Firm Reference Number (FRN)?
Waterhouse Financial Advisers's FRN is 190712. You can verify it on the FCA register.