Kalpana Patel

Watch for changes

Where they hold approval

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

S&M FINANCIAL PLANNING LTD (no longer approved here)
FRN 920482
- Responsible for Insurance Distribution (28 Dec 2023 to 30 Dec 2022)
- SMF16 Compliance Oversight (28 Dec 2023 to 30 Dec 2023)
- SMF3 Executive Director (28 Dec 2023 to 12 Feb 2024)
- Responsibility for MCD Intermediation (14 Oct 2022 to 30 Dec 2022)
1st Financial Services (London) Limited (no longer approved here)
FRN 454529
- [FCA CF] Client dealing (14 May 2020 to 10 Dec 2021)
- [FCA CF] Functions requiring qualifications (14 May 2020 to 10 Dec 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.