Richard Kerton

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Where they hold approval

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

The Right Mortgage Limited
FRN 649443
- CF1 Director (AR) (since 23 Jan 2026)
Beyond Legacy LTD
FRN 1048096
- Employed By (since 23 Jan 2026)
Candid Insurance Services Ltd (no longer approved here)
FRN 603273
- Responsible for Insurance Distribution (22 Sep 2023 to 31 Jul 2025)
- SMF3 Executive Director (22 Sep 2023 to 31 Jul 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.