Sharon Carmichael

Watch for changes

Where they hold approval

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

Responsible Life Limited
FRN 610205
- 21. Advising or arranging (bringing about) equity release transactions
- [FCA CF] Functions requiring qualifications (since 11 Aug 2025)
Forester Life Limited (no longer approved here)
FRN 177898
- [FCA CF] Client dealing (24 Jun 2024 to 11 Jul 2025)
HUB Financial Solutions Limited (no longer approved here)
FRN 455713
- [FCA CF] Functions requiring qualifications (6 Dec 2021 to 7 Dec 2023)
Legal & General Financial Advice Ltd (no longer approved here)
FRN 839860
- [FCA CF] Functions requiring qualifications (1 Apr 2020 to 31 Aug 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.