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.

Spectrum Insurance & Financial Consultants

Watch for changes

FRN: 224367

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Approved individuals

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

Craig William Lancett
IRN CWL00007
- (4)Employed By (28 Apr 2003 to 30 Apr 2004)
Mervyn Cyril Morgan
IRN MCM00012
- (1)Employed By (28 Apr 2003 to 30 Apr 2004)
Nicholas David Johnson
IRN NDJ00004
- (3)Employed By (13 Jan 2005 to 25 Jun 2005)
Rowland Arthur Screen
IRN RAS00046
- (2)Employed By (6 May 2003 to 30 Apr 2004)

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.