This firm is no longer registered as an appointed representative.

It cannot legally carry out FCA-regulated activities. If anyone is currently dealing with this firm as if it still has permission, treat that as a serious red flag and verify directly with the FCA.

A & M Financial Consultants Ltd

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FRN: 409795

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Approved individuals

Senior staff personally approved by the FCA to hold their roles here.

Archibald Black Marshall
IRN ABM00016
- (1)Employed By (21 Dec 2004 to 2 Mar 2015)
Edward Berge Papazian
IRN EXP00011
- (4)Employed By (17 Jan 2007 to 22 Dec 2014)
Margaret Marshall
IRN MXM01987
- (2)Employed By (21 Dec 2004 to 18 Dec 2007)
Michael Edward Waterman
IRN MXW00106
- (3)Employed By (16 Jan 2008 to 30 Nov 2012)

Recent activity

Updates to this firm's record on the FCA register.

No changes recorded yet.

What it all means

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.