R&S Associates Financial Planning Limited

• Principal Place of Business

  29 St. John's Lane

  Clerkenwell

  London

  EC1M 4NA

  UNITED KINGDOM

  Phone

  +4402074004700

  Web

  https://www.hfmcwealth.com

• Complaints Contact

  29 St. John's Lane

  Clerkenwell

  London

  EC1M 4NA

  UNITED KINGDOM

  Phone

  +4402074004700

• 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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  • · 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.
  • · 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 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, 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.

• Authorised to Operate

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

• 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, 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.

• 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, 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.

• Darren Charles Berry

  IRN DCB01161

  • 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 9 Dec 2019)
  • [FCA CF] Client dealing (since 9 Dec 2019)
  • CF30 Customer (2 Oct 2019 to 8 Dec 2019)
• Dermot McSweeney

  IRN DXM00178

  • [FCA CF] Manager of certification employee (since 2 Mar 2023)
• James Roberts

  IRN JXR00984

  • SMF3 Executive Director (since 2 Oct 2025)
• Jane Anne Kennedy

  IRN JAK01120

  • Director of firm who is not a certification employee or a SMF manager (since 1 Sep 2023)
• John Nicolas Jeremy Hoyland

  IRN JNH00007

  • SMF9 Chair of the Governing Body (since 14 Feb 2025)
  • SMF1 Chief Executive (22 Feb 2023 to 19 Feb 2025)
• Lisa Judy Hessey

  IRN LJH01092

  • [FCA CF] Manager of certification employee (since 2 Mar 2023)
• Mark Ellis Waller

  IRN MEW01089

  • Responsible for Insurance Distribution (since 6 Mar 2023)
  • SMF16 Compliance Oversight (since 6 Mar 2023)
  • SMF17 Money Laundering Reporting Officer (MLRO) (since 6 Mar 2023)
  • SMF3 Executive Director (since 6 Mar 2023)
• Michael James Powell

  IRN MJP00051

  • [FCA CF] Manager of certification employee (since 2 Mar 2023)
• Peter Michael Fletcher

  IRN PXF00184

  • 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 11 Sep 2023)
  • [FCA CF] Client dealing (since 11 Sep 2023)
• Philip Richard Patient

  IRN PRP00022

  • SMF16 Compliance Oversight (since 4 Feb 2026)
  • SMF17 Money Laundering Reporting Officer (MLRO) (since 4 Feb 2026)
  • SMF3 Executive Director (since 22 Feb 2023)
  • SMF17 Money Laundering Reporting Officer (MLRO) (26 Feb 2024 to 12 Apr 2024)
  • SMF16 Compliance Oversight (26 Feb 2024 to 12 Apr 2024)

No changes recorded yet.