Joe Heaword

Watch for changes

Where they hold approval

Firms where this individual holds — or has held — an FCA-approved role.

Pareto Financial Planning Limited
FRN 618272
- 4. Giving personal recommendations on retail investment products which are not broker funds
- [FCA CF] Client dealing (since 11 Dec 2024)
- [FCA CF] Functions requiring qualifications (since 11 Dec 2024)
Quilter Financial Limited (no longer approved here)
FRN 497604
- CF30 Customer (30 Jan 2023 to 26 Apr 2024)
- Appointed representative dealing with clients for which they require qualification (8 Aug 2021 to 26 Apr 2024)
Camargue Wealth Limited (no longer approved here)
FRN 749215
- Employed By (30 Jan 2023 to 26 Apr 2024)
QUILTER FINANCIAL SERVICES LIMITED (no longer approved here)
FRN 440703
- Appointed representative dealing with clients for which they require qualification (8 Aug 2021 to 9 Aug 2021)

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

No changes recorded yet.

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. Senior staff at any authorised firm have to be approved by the FCA personally.
Approved individual: Someone the FCA has personally signed off to hold a senior role at an authorised firm — directors, compliance officers and similar. They're held accountable for the firm's conduct.
Controlled functions: The specific senior roles the FCA approves people to hold, like 'Compliance oversight' or 'Money laundering reporting'. Each approval is tied to a particular firm.
IRN: Individual Reference Number — the unique ID the FCA assigns to each approved person. It stays the same as they move between firms.

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