Michael Edward Hilditch

Watch for changes

Where they hold approval

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

AFH Independent Financial Services Limited
FRN 216704
- 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
- [FCA CF] Client dealing (since 2 Jun 2025)
- [FCA CF] Functions requiring qualifications (since 2 Jun 2025)
Reflect Financial Limited (no longer approved here)
FRN 932095
- (11)Employed By (21 Aug 2020 to 9 May 2025)
St. James's Place Wealth Management Plc (no longer approved here)
FRN 195351
- Appointed representative dealing with clients for which they require qualification (9 Dec 2019 to 9 May 2025)
- CF30 Customer (20 Sep 2019 to 9 May 2025)
Willson Grange Wealth Management Limited (no longer approved here)
FRN 811556
- Employed By (20 Sep 2019 to 9 May 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.