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About us

Check us. Then check everyone else.

Our FCA firm reference number is 929372. Here is how to verify any adviser before you trust them with your money — and what you stand to lose if you don’t.

Check before you trust

Our firm reference number is 929372.

Before you choose any financial adviser — us included — check them on the Financial Conduct Authority register. It takes about a minute.

A note on our name. Prior to becoming a limited company in November 2020, the firm was called Fernleigh Wearden & Co, from its humble beginnings in 1985. Since incorporation we have been known as Fernleigh Wearden & Company Ltd. Both names refer to the same firm and the same people.

The register tells you whether the firm you're about to meet actually holds the qualifications, permissions and regulatory status to help you. It is the single most useful thing a member of the public can do before handing over their savings, and almost nobody does it.

You can search the register at fca.org.uk/register. You'll find us listed as Fernleigh Wearden & Company Ltd.

Firm reference number

929372

Fernleigh Wearden & Company Ltd, authorised and regulated by the Financial Conduct Authority.

What to look for

Three things on the register

That the firm is authorised, that its permissions cover the advice you need and that the individual adviser is listed against the firm.

Why it matters

The protection you lose is the part nobody mentions.

Advisers who don't hold the right permissions often sell products that aren't regulated either. That has consequences most people only discover when something has already gone wrong.

I

Unregulated products

If a firm lacks the permissions, the products it sells frequently sit outside regulation too — overseas property, storage pods, forestry schemes and the like.

II

No FSCS safety net

Unregulated investments generally aren't covered by the Financial Services Compensation Scheme. If the firm fails or the investment collapses, there is usually no compensation.

III

What we do

Fernleigh Wearden will only ever recommend products regulated by the FCA and therefore protected by the FSCS. That's a deliberate limit we place on ourselves.

How to check

Four steps, one minute.

  1. Go to fca.org.uk/register and search the firm's name or reference number.
  2. Check the status reads Authorised and note the date it was authorised from.
  3. Look at the firm's permissions — they should cover the kind of advice you're seeking.
  4. Search the individual adviser's name and confirm they're listed against that firm.

Common questions

Things people ask before they ring.

What is the FCA?

The Financial Conduct Authority is the UK regulator for financial services firms. It sets the rules advisers must follow, authorises firms to operate and can take action against those that don’t meet its standards.

What is the FSCS and how much does it cover?

The Financial Services Compensation Scheme is the UK’s statutory safety net. It can pay compensation if a regulated firm fails and can’t meet claims against it. Limits vary by product type and change from time to time — the current figures are published at fscs.org.uk.

Does being regulated mean my investment can’t lose money?

No and it’s important to be clear about that. Regulation governs how advice is given and how firms behave. It does not remove investment risk. The value of investments can fall as well as rise and you may get back less than you put in.

What if I’m unhappy with the advice I’ve received?

Raise it with us first — we’d always rather know. If you’re still not satisfied, you can refer the matter to the Financial Ombudsman Service, which is free and independent.

Are all financial advisers regulated?

Anyone giving regulated financial advice in the UK must be authorised. Some firms offer “guidance” or “introductions” that fall outside regulation, which is precisely why checking the register is worth the minute it takes.

Our services

Regulated advice, across the board.

Every recommendation we make sits within FCA regulation and FSCS protection.

Checked us out? Let’s talk.

Tell us when suits and an adviser will ring you back by the end of the next working day.

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