Terry Thomas Ratcliffe

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Where they hold approval

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

WREN STERLING FINANCIAL PLANNING LIMITED
FRN 665653
- 4. Giving personal recommendations on retail investment products which are not broker funds
- [FCA CF] Client dealing (since 11 Nov 2022)
- [FCA CF] Functions requiring qualifications (since 11 Nov 2022)
St. James's Place Wealth Management Plc (no longer approved here)
FRN 195351
- CF30 Customer (9 Mar 2016 to 22 Aug 2019)
Terry Ratcliffe (no longer approved here)
FRN 738846
- Employed By (9 Mar 2016 to 22 Aug 2019)

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.