Smith and Wardle Financial Consultants LLP

• Principal Place of Business

  Suite B

  Gloverside

  23-25 Bury Mead Road

  Hitchin

  Hertfordshire

  SG5 1RT

  UNITED KINGDOM

  Phone

  +441462420544

  Web

  https://www.smithandwardle.co.uk

• Complaints Contact

  Suite B

  Gloverside

  23-25 Bury Mead Road

  Hitchin

  Hertfordshire

  SG5 1RT

  UNITED KINGDOM

  Phone

  +441462420544

• Buy-to-Let Mortgage Advice

• Buy-to-Let Mortgage Arranging

• 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, 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.

• 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

  Show 1 limitation Hide limitations

  • · 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

• Buy-to-Let Start Date

• Buy-to-Let Status

• Stockbroking

  For Commercial, Retail (Non-Investment Insurance), Non-investment insurance contracts

• Debt Advice

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  • · Limited to debt counselling excluding giving advice about debt management plans. In this limitation “debt management plans” is defined as: “a non-statutory agreement between a customer and one or more of the customer's lenders the aim of which is to discharge or liquidate the customer's debts, by making regular payments to a third party which administers the plan and distributes the money to the lenders”.

• 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

  Show 1 limitation Hide limitations

  • · 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.

• Catherine Margaret Davidson Smith

  IRN CXS19795

  • SMF27 Partner (since 7 Aug 2020)
• Christian Edward Lloyd-Williams

  IRN CXL00228

  • 21. Advising or arranging (bringing about) equity release transactions
  • 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 5 Oct 2021)
  • [FCA CF] Functions requiring qualifications (since 5 Oct 2021)
• David Grahame Wardle

  IRN DXW19803

  • SMF27 Partner (7 Aug 2020 to 30 Jan 2024)
• Helena Elizabeth Wardle

  IRN HEW01022

  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • 21. Advising or arranging (bringing about) equity release transactions
  • 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)
  • 7. Giving personal recommendations on long-term care insurance contracts
  • 9A. Advising on P2P agreements
  • Appointed representative dealing with clients for which they require qualification (since 13 Jun 2022)
  • CF30 Customer (since 13 Jun 2022)
  • CF1 Director (AR) (since 13 Jun 2022)
  • SMF27 Partner (since 7 Aug 2020)
  • [FCA CF] Functions requiring qualifications (since 7 Aug 2020)
  • [FCA CF] Manager of certification employee (since 7 Aug 2020)
  • Responsible for Insurance Distribution (since 7 Aug 2020)
  • [FCA CF] Client dealing (since 7 Aug 2020)
• Jonathan Marc Davidson Smith

  IRN JMS00052

  • 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
  • 21. Advising or arranging (bringing about) equity release transactions
  • 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)
  • 7. Giving personal recommendations on long-term care insurance contracts
  • Responsibility for MCD Intermediation (since 7 Aug 2020)
  • SMF27 Partner (since 7 Aug 2020)
  • [FCA CF] Client dealing (since 7 Aug 2020)
  • [FCA CF] Functions requiring qualifications (since 7 Aug 2020)
  • SMF17 Money Laundering Reporting Officer (MLRO) (7 Aug 2020 to 31 Dec 2025)
• Katharine Ross

  IRN KXR00230

  • 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 28 May 2021)
  • [FCA CF] Functions requiring qualifications (since 28 May 2021)
• Ross Hunter

  IRN RXH00904

  • SMF17 Money Laundering Reporting Officer (MLRO) (since 1 Jan 2026)
  • SMF16 Compliance Oversight (since 1 Jan 2026)
• Simon Andrew Jackson

  IRN SXJ00318

  • 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] Functions requiring qualifications (since 22 Jun 2022)
  • [FCA CF] Client dealing (since 22 Jun 2022)
• Victoria Jane Pearce

  IRN VJP00009

  • SMF16 Compliance Oversight (7 Aug 2020 to 31 Dec 2025)
• Zahaan Hussain

  IRN ZXH00038

  • [FCA CF] Functions requiring qualifications (20 Jun 2022 to 19 Sep 2025)

• Second Life Financial Planning Limited

  FRN 1003810 · Appointed 2 Nov 2023

• Money Means Limited

  FRN 976675 · Appointed 31 May 2022

No changes recorded yet.