When you choose Flying Colours
You get more than a tailored financial plan - you'll also receive a Personal Value Statement (PVS)
This unique report outlines how our advice can benefit you across four key areas:
We base this on a detailed understanding of your personal circumstances. While we can’t create a full Personal Value Statement until we’ve done the research, we’ll share an example early on so you can see how professional advice can make a measurable difference.
It’s part of our commitment to transparency, value for money, and always putting your goals first.
Real stories, real financial outcomes
We’re proud to work with clients who value clear, personal financial guidance. In these short videos, they share their experiences of working with Flying Colours, and the difference expert advice has made to their lives.
Prefer to read? You’ll find full transcripts below each video.
What’s the best piece of advice your Flying Colours adviser has ever given you?
What’s the best thing about working with Flying Colours?
What words would you use to describe Flying Colours?
Would you recommend Flying Colours to other people?
Supporting you at every stage of your financial journey
We offer expert financial advice that's tailored to your goals, whether you're planning for the future, protecting your wealth, or making smarter decisions today.
Our focus is on delivering clear, measurable, value through advice that fits your life.
What matters most when choosing a financial adviser?
Choosing a financial adviser is a big decision. It’s all about finding someone you trust to support your goals over the long term, and that’s why it’s important to ask the right questions before committing.
Here’s what to look for in an adviser, and how Flying Colours measures up.
Most financial advice firms charge advice fees based on a percentage of the assets that they advise you on. This is broken down into an initial fee and then, for most clients, an ongoing annual fee.
We adopt this approach at Flying Colours, but we’re also open to working on a flat fee basis for both our initial and ongoing advisory services.
The important thing to know is that any fees will be agreed with you from the outset and will be based on how complicated your requirements are. We won’t charge you until you’ve agreed on the work you’d like us carry out on your behalf.
Your financial adviser will discuss the fee with you in detail, and there will be plenty of opportunities to ask questions before signing a fee agreement.
It’s important to know if your financial adviser will be with you for your whole life journey, not just part of it. We’re not a small firm that is going to sell our client “book” to a new one because the owner has decided to retire.
Our advisers are qualified and experienced, but our cohort is younger than average (over 50% of UK advisers are over 50 according to FTAdviser*). This means you can be confident that we’ll be your trusted advisers for many years to come.
We’re an ambitious firm, but we will never change our core values which always put our clients at the centre of what we do.
*https://www.ftadviser.com/investments/2022/04/04/only-6-of-advisers-are-under-30-years-old/
Different firms take different approaches to investing your money. Some will run investment portfolios in-house using their own expertise. Some will outsource the function to a Model Portfolio Service (MPS) provider. The benefit of this approach is that the provider will have dedicated experts who are experienced in investing your wealth within portfolios that meet your needs in terms of goals and risk.
At Flying Colours, we have an in-house Investment Team that focuses on three fundamentals of investing: discipline, diversification and cost. They have an excellent track record for using their evidence-based expertise to produce the best results for our clients.
For more detail, please visit: https://fcadvice.co.uk/investments/investment-approach/
Some advisers will simply focus on financial products. Lifestyle financial planners focus on long term planning, not short-term product sales. Our advisers are experienced in financial planning and genuinely enjoy building relationships with their clients and their families, helping them to achieve their lifelong financial goals.
Yes – Independent financial advisers are not restricted to advising on certain products. Ours have access to the whole of market, so they’re in a better position to identify the best products to meet your needs.
You will want to feel confident that when you need to speak to someone, or ask a question, someone will be there for you. With three UK offices and a growing team of advisers, investment managers and operational staff to support them, we deliver a first-class service to all of our clients. If you contact us, you’ll always speak to a human being. Our team is friendly and attentive; your adviser and their support team will get to know you very well, and you’ll never be a number to us.
Chris has provided peace of mind enabling us to now retire early. He has taken the time to get to know and understand us, helping us to develop and adapt our strategy. We have an open and transparent relationship with him which builds trust. He is personable and tailors solutions to our needs.
I’ve been absolutely delighted with the advice and support I’ve received from Maxine Clarke. She took the time to understand my goals, explained my options clearly, and helped structure my retirement plans. I now feel fully informed, supported, and confident about my financial future.
Luca encouraged me to take a step back and look at the bigger picture – how much risk am I prepared to take, how much income do I really need for my day‑to‑day expenditures, what are my plans for retirement. Luca worked through all the steps of the process at my pace, patiently explaining all the jargon as we progressed.
Chris took the time to understand our goals, provided clear explanations of approaches and a thoughtful, well-structured follow up note. Chris' approachable nature and attention to detail was first class. Following our interactions we now have a much clearer understanding of the relevant aspects to our estate planning.
Liv patiently understood our circumstances and conducted the due diligence required to provide very transparent and exceptionally professional advice. He struck a great balance on long‑term investments, pensions, insurance and retirement. I found Liv very knowledgeable, confident, and personable.
Tom expertly guided me through the complex and time-consuming process associated with consolidating several company pensions. Tom has also provided advice on a number of other financial benefits I was previously unaware of.
Ross gave me a lot of very useful information. He explains everything in a clear and concise way and doesn’t fill your head with jargon you may not understand. He keeps it plain and simple. Ross helped me understand how I could claim back overpaid tax and money I had been paying for a service with a previous pension adviser that shouldn’t have been charged.
From the initial meeting, George was able to understand my concerns and present options for how I could move forward. At no point did I feel any pressure, and I felt from the outset that I wanted to establish a long‑term relationship with George.
Russ guided me through the process of assessing current and future demands on my finances and the selection of appropriate pension investments. Throughout the process Russ has been very patient and explained clearly different options with their risk/benefit profiles. I have found his manner very supportive.
I had several meetings with Freddie to discuss my medium‑ to long‑term goals, my appetite for risk, the kind of retirement I would like and at what age. We then walked through my current finances in detail, and Freddie presented the gap between where I am now and where I would like to be, and proposed some changes that could help me achieve my goals in future.
Liviu has provided us with invaluable help regarding our pensions and how to best plan for our retirement. He has always made time to explain our options and fully answer any concerns we had. He has always gone the extra mile to ensure we were comfortable with the decisions we made and was endlessly patient.
Meet the team behind the advice
We take pride in delivering advice that’s not just personal, but proven to add real value.