Advice 4U Financial Planning Ltd

• Principal Place of Business

  Basepoint

  Oakfield Close

  Tewkesbury Business Park

  Tewkesbury

  Gloucestershire

  GL20 8SD

  UNITED KINGDOM

  Phone

  +4402038767960

  Web

  https://www.rubyfinancial.co.uk

• Complaints Contact

  Basepoint

  Oakfield Close

  Tewkesbury Business Park

  Tewkesbury

  Gloucestershire

  GL20 8SD

  UNITED KINGDOM

  Phone

  +442038767960

• Pension Transfer Advice

  For Professional, Retail (Investment), Life Policy, Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Stakeholder pension scheme, Unit

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  • · This activity is limited to the provision of advice in relation to the conversion or transfer of benefits from: i) pension policies with a Guaranteed Annuity Rate (for the avoidance of doubt, this includes policies which are retirement annuity contracts with a minimum guaranteed income, where that income satisfies limb (b) of the Glossary definition of Guaranteed Annuity Rate); ii) defined contribution occupational schemes without safeguarded benefits.
  • · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.

• Equity Release Advice

  For Customer, Home reversion plans

• Investment Advice (no pensions)

  For Commercial, Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Debenture, Government and public security, Life Policy, Non-investment insurance contracts, Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Share, Stakeholder pension scheme, Structured Deposits, Unit, Warrant

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  • · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.

• Mortgage Advice

  For Customer, Regulated mortgage contract

• Authorised to Operate

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  • · The firm can only agree to carry on the regulated activities specified in this Notice.

• Equity Release Arranging

  For Customer, Home reversion plans

• Arranges Investments

  For Commercial, Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Debenture, Government and public security, Life Policy, Non-investment insurance contracts, Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Share, Stakeholder pension scheme, Structured Deposits, Unit, Warrant

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  • · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.

• Mortgage Arranging

  For Customer, Regulated mortgage contract

• Equity Release Setup

  For Customer, Home reversion plans

• Mortgage Setup

  For Customer, Regulated mortgage contract

• Investment Setup

  For Commercial, Professional, Retail (Investment), Retail (Non-Investment Insurance), Certificates representing certain security, Debenture, Government and public security, Life Policy, Non-investment insurance contracts, Personal pension scheme, Rights to or interests in investments (Contractually Based Investments), Rights to or interests in investments (Security), Share, Stakeholder pension scheme, Structured Deposits, Unit, Warrant

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  • · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.

• Jason Williams

  IRN JXW00314

  • 6. Giving personal recommendations on Friendly Society tax-exempt policies (other than Holloway sickness policies where the Holloway policy special application conditions are met)
  • 4. Giving personal recommendations on retail investment products which are not broker funds
  • [FCA CF] Client dealing (since 4 Dec 2025)
  • [FCA CF] Functions requiring qualifications (since 1 May 2023)
  • SMF16 Compliance Oversight (since 24 Mar 2022)
  • SMF17 Money Laundering Reporting Officer (MLRO) (since 24 Mar 2022)
  • SMF3 Executive Director (since 24 Mar 2022)
• Martin Febery

  IRN MXF01954

  • 4. Giving personal recommendations on retail investment products which are not broker funds
  • 6. Giving personal recommendations on Friendly Society tax-exempt policies (other than Holloway sickness policies where the Holloway policy special application conditions are met)
  • [FCA CF] Client dealing (since 7 Mar 2022)
  • [FCA CF] Functions requiring qualifications (since 7 Mar 2022)
• Michael Antony Howard Rayer

  IRN MAR00044

  • SMF3 Executive Director (9 Dec 2019 to 1 Jun 2023)
  • [FCA CF] Client dealing (9 Dec 2019 to 1 Jun 2023)
  • [FCA CF] Functions requiring qualifications (9 Dec 2019 to 1 Jun 2023)
  • SMF17 Money Laundering Reporting Officer (MLRO) (9 Dec 2019 to 1 Jun 2023)
  • SMF16 Compliance Oversight (9 Dec 2019 to 1 Jun 2023)
  • Responsible for Insurance Distribution (1 Oct 2018 to 1 Jun 2023)
  • Responsibility for MCD Intermediation (21 Mar 2016 to 1 Jun 2023)
  • CF1 Director (5 May 2015 to 8 Dec 2019)
  • CF11 Money Laundering Reporting (5 May 2015 to 8 Dec 2019)
  • Responsible for Insurance Mediation (5 May 2015 to 30 Sep 2018)
  • CF30 Customer (5 May 2015 to 8 Dec 2019)
  • CF10 Compliance Oversight (5 May 2015 to 8 Dec 2019)
• Paul Graham Adams

  IRN PGA00008

  • [FCA CF] Functions requiring qualifications (8 May 2024 to 6 Jan 2026)
• Sarah Helen Guilford

  IRN SHS01056

  • 6. Giving personal recommendations on Friendly Society tax-exempt policies (other than Holloway sickness policies where the Holloway policy special application conditions are met)
  • 4. Giving personal recommendations on retail investment products which are not broker funds
  • [FCA CF] Functions requiring qualifications (since 15 Apr 2024)
  • [FCA CF] Client dealing (since 15 Apr 2024)
• Simon James McGechie

  IRN SJM00094

  • 21. Advising or arranging (bringing about) equity release transactions
  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • [FCA CF] Functions requiring qualifications (since 8 May 2024)
• Tobias John Cook

  IRN TXC00359

  • 6. Giving personal recommendations on Friendly Society tax-exempt policies (other than Holloway sickness policies where the Holloway policy special application conditions are met)
  • 4. Giving personal recommendations on retail investment products which are not broker funds
  • [FCA CF] Client dealing (since 4 Dec 2025)
  • [FCA CF] Functions requiring qualifications (since 2 Aug 2023)

No changes recorded yet.