Philip Andrew Cramer

Watch for changes

Where they hold approval

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

Lighthouse Advisory Services Limited (no longer approved here)
FRN 195199
- CF21 Investment Adviser (22 Sep 2005 to 12 Sep 2006)
Independent Financial Planning Group Ltd (no longer approved here)
FRN 400436
- (3)Employed By (22 Sep 2005 to 12 Sep 2006)
Godfrey Pearson & Partners IFA (no longer approved here)
FRN 173401
- (4)Employed By (18 Mar 2005 to 30 Mar 2005)

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.