People & T&C
Certification, competence and CPD for every person whose work needs signing off — with the dates that stop somebody advising.
Certified persons
18
plus 4 senior managers
Certifications due in 90 days
6
2 inside 30 days
Lapsed
0
a lapse stops advice
CPD short of 35 hours
3
with 3 months of the year left
Certification is annual and it is the firm’s job, not the regulator’s. An adviser whose
certificate lapses cannot give advice the next morning — which is a rota problem, a revenue problem and a
Consumer Duty problem in one, and it is entirely predictable twelve months in advance.
Certification and competence
Sorted by what expires first
| Person | Role | Certification | Last assessed | CPD h | Competence |
|---|---|---|---|---|---|
| J Rennard | Adviser | Certification lapses 12 d | 18 Jun 2025 | 22 | Under supervision |
| A Fenwick | Adviser | Due in 28 days | 02 Jul 2025 | 31 | Competent |
| M Sandhu | Adviser | Current | 14 Sep 2025 | 28 | Competent |
| C Ellwood | Adviser — mortgage | Current | 30 Sep 2025 | 19 | CPD 16 h short |
| T Oyelaran | Adviser — protection | Current | 11 Nov 2025 | 35 | Competent |
| H Merriweather | SMF16/17 Compliance | Current | 04 Jan 2026 | 41 | Competent |
Showing 6 of 22 · J Rennard is also the adviser carrying 36 overdue reviews