Joseph John Smith

Watch for changes

Where they hold approval

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

Connect IFA Ltd
FRN 441505
- 20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
- CF1 Director (AR) (since 6 Sep 2025)
- [FCA CF] Functions requiring qualifications (since 9 Dec 2024)
- [FCA CF] Functions requiring qualifications (16 Aug 2022 to 1 Feb 2023)
- Appointed representative dealing with clients for which they require qualification (14 Jun 2021 to 29 Jun 2022)
Cromwell Financial Services Limited
FRN 1040590
- Employed By (since 6 Sep 2025)
Cignpost Advised Limited (no longer approved here)
FRN 304130
- [FCA CF] Functions requiring qualifications (9 Jan 2023 to 1 Mar 2025)

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.