Michael James Owen

Watch for changes

Where they hold approval

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

ValidPath Limited
FRN 197107
- 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)
- Appointed representative dealing with clients for which they require qualification (since 3 Jun 2025)
- CF30 Customer (since 25 Apr 2025)
- CF1 Director (AR) (since 25 Apr 2025)
Cambrian Associates Limited (no longer approved here)
FRN 158976
- Appointed representative dealing with clients for which they require qualification (1 Feb 2020 to 2 Jun 2025)
- [FCA CF] Client dealing (1 Feb 2020 to 2 Jun 2025)
- CF1 Director (AR) (5 Jan 2018 to 2 Jun 2025)
- CF30 Customer (4 Jun 2014 to 2 Jun 2025)
Williams Financial Planning Ltd (no longer approved here)
FRN 137285
- Employed By (12 Mar 2012 to 23 May 2014)

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.