# Bright Wealth Management Bright Wealth Management is a Bank / Wealth / Trust based in Lewisville, United Kingdom. ## Overview - **Organization type:** Bank / Wealth / Trust - **Headquarters:** Lewisville, United Kingdom - **Region:** Europe - **Address:** Huntingdon, United Kingdom - **Founded:** 2003 - **Assets under management:** Undisclosed - **Website:** brightwm.co.uk - **LinkedIn:** https://www.linkedin.com/company/brightwealthmanagement ## Regulatory record - **CRD number:** 169771 - **SEC file number:** 801-117890 - **Registration status:** APPROVED - **Latest Form ADV filing:** 2026-04-30T05:00:00.000Z - **Reports private funds:** No - **Private funds reported:** 0 - **IAPD record:** https://adviserinfo.sec.gov/firm/summary/169771 ## About Bright Wealth Management was established in 2003 by Mel Harding, a Chartered Financial Planner who leads the firm's advisory work from its dual bases in Huntingdon and Warrington. The practice operates as an Appointed Representative of St. James's Place Wealth Management Group, meaning it advises solely on SJP's range of wealth management products and services under the regulatory umbrella of the larger group. The firm has maintained this exclusive relationship while building a local client base across the UK, with a stated emphasis on long-term financial planning rather than transactional advice. The firm's advisory scope spans investment planning, retirement planning, protection planning, and corporate services — all delivered through the SJP product suite. This structure means Bright Wealth Management does not construct discretionary portfolios or source direct investments; instead, it matches client goals to SJP-managed funds and insurance vehicles. The practice discloses no venture capital, private equity, or direct real estate activity. Its investment posture is inherently defined by the asset allocation and fund selection available within the SJP platform, which spans multi-asset funds, fixed income, equities, and commercial property exposures. Bright Wealth Management employs a small team and lists offices in Huntingdon and Warrington. The firm has achieved Cyber Essentials Plus certification, an independently audited UK Government standard for data security practices. The practice's principal, Mel Harding, is described in client testimonials as a Chartered and professionally trained adviser who invests personal time in client relationships — aligning with the firm's positioning that 'people within the business are at the heart of the business.' A structural hallmark is the Appointed Representative model with St. James's Place: this arrangement gives Bright Wealth Management access to SJP's investment management, compliance infrastructure, and brand, while binding it to an approved product list. For clients, it simplifies due diligence on the provider; for the firm, it removes the capital and regulatory burden of direct FCA authorization. This model is common among UK financial planning practices but distinct from independent financial advisers who can recommend products across the whole market. ## People - Mel Harding — Chartered Financial Planner ## Questions ### Who runs Bright Wealth Management and makes the investment recommendations? Mel Harding is the firm's principal adviser and Chartered Financial Planner. As an Appointed Representative of St. James's Place, she and her team recommend only SJP-managed products and services to clients. The firm does not publish a wider investment committee or external asset allocation team. ### What is Bright Wealth Management's relationship with St. James's Place? The firm is an Appointed Representative of St. James's Place Wealth Management plc, which is authorized and regulated by the Financial Conduct Authority. This means Bright Wealth Management advises exclusively on SJP's range of products, rather than offering whole-of-market or discretionary investment management. The 'Partner Practice' designation is a marketing term used within the SJP network. ### Does Bright Wealth Management invest in private equity, venture capital, or direct deals? No. The firm's advisory scope is limited to the investment, retirement, protection, and corporate planning products available through the St. James's Place platform. It does not advertise direct co-investments, SPV structures, or access to private markets. ### What is the firm's geographic focus? Bright Wealth Management operates from offices in Huntingdon and Warrington, serving clients primarily across the United Kingdom. The firm does not maintain international offices or advertise cross-border advisory capabilities. ### How does Bright Wealth Management source clients and structure its advice? The firm emphasizes long-term financial planning relationships built on individual adviser-client engagement, as reflected in its 'people at the heart of the business' ethos. Advice is delivered through face-to-face consultation, leading to recommendations implemented within the SJP product framework. The firm does not disclose a digital-first or platform-aggregated client acquisition model. ## Related profiles - [Bridge Investments](https://altss.com/profile/bridge-investments) - [British Airways PLC Pension Plan (U.S.A.)](https://altss.com/profile/british-airways-plc-pension-plan-u-s-a) --- Last updated: 2026-07-06T01:24:13.030Z Canonical page: https://altss.com/profile/bright-wealth-management Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology