Appointed Representative Directory
An Appointed Representative (AR) is a firm or individual that carries out regulated financial activities under the supervision and responsibility of an FCA-authorised Principal Firm.
The Appointed Representative model is widely used across the UK financial services industry, particularly within financial advice, wealth management, mortgage broking and insurance distribution.
TOVO's Appointed Representative Directory helps users search and explore more than 19,000 AR firms, alongside information about their Principal Firms, financial performance, FCA registrations and market activity.
Using TOVO you can:
Search Appointed Representatives
Identify Principal Firms
Explore adviser networks
Discover wealth management businesses
Research mortgage and lending firms
Find insurance intermediaries
Analyse financial services markets
Largest Appointed Representatives in the UK
Below are some of the largest Appointed Representatives operating in the UK, ranked by FCA-regulated individuals.
Quilter Financial Advisers Ltd
Principal Firm: Quilter Financial Services Limited
FCA Individuals: 374
Lync Wealth Management Limited
Principal Firm: Lyncombe Consultants Limited
FCA Individuals: 82
Benchmark Financial Planning Limited
Principal Firm: Best Practice IFA Group Limited
FCA Individuals: 71
Clearwater Wealth Management
Principal Firm: St. James's Place Wealth Management Plc
FCA Individuals: 72
Lighthouse Financial Advice Limited
Principal Firm: Lighthouse Advisory Services Limited
FCA Individuals: 62
Sovereign Wealth Limited
Principal Firm: St. James's Place Wealth Management Plc
FCA Individuals: 53
Pinnacle Wealth Management LLP
Principal Firm: St. James's Place Wealth Management Plc
FCA Individuals: 52
Eight Wealth Management Limited
Principal Firm: St. James's Place Wealth Management Plc
FCA Individuals: 50
Financial Lifestyle Management Ltd
Principal Firm: St. James's Place Wealth Management Plc
FCA Individuals: 41
In Partnership Financial Advisers Limited
Principal Firm: The On-Line Partnership Limited
FCA Individuals: 39
Data sourced from the TOVO financial services intelligence platform.
Browse Appointed Representatives by Category
TOVO classifies Appointed Representatives across multiple financial services sectors.
Advisors & Planners
Over 5,000 adviser and financial planning businesses.
Credit, Lending & Mortgage Providers
More than 9,300 mortgage and lending firms.
Insurance & Reinsurance
Over 1,650 insurance-focused Appointed Representatives.
Fund Management & Custody
Over 400 investment and fund management firms.
Wealth & Investment Managers
More than 400 wealth management businesses.
Payments & E-Money
Over 225 payments firms.
Market Infrastructure & Utilities
Specialist market service providers.
Trading & Brokerage
Brokerage and trading-focused firms.
Banks & Deposit-Takers
Banking and deposit-taking Appointed Representatives.
What Is a Principal Firm?
Every Appointed Representative must operate under a Principal Firm that accepts responsibility for its regulated activities.
Principal Firms are FCA-authorised businesses responsible for overseeing their Appointed Representatives, ensuring regulatory compliance and monitoring conduct.
Some of the UK's largest Principal Firms operate networks containing hundreds or even thousands of Appointed Representatives.
Examples include:
St. James's Place Wealth Management Plc
Quilter Financial Services Limited
Best Practice IFA Group Limited
The Openwork Partnership
The On-Line Partnership Limited
Why Use TOVO's Appointed Representative Directory?
Unlike traditional FCA search tools, TOVO combines regulatory information with:
Principal Firm relationships
Financial data
FCA individual counts
Revenue and profitability data
Company ownership information
AI-powered business classifications
Executive and contact intelligence
This allows compliance teams, adviser networks, recruiters, investors and business development teams to understand the structure of the UK financial services market more effectively.
Search Appointed Representatives for Free
Use TOVO's free Appointed Representative Directory to search more than 19,000 firms and discover the relationships between ARs, Principal Firms and the wider UK financial services market.
Search 19,000+ Appointed Representatives, 70,000+ financial services companies and 214,000+ professionals.
