As a regulated financial adviser in the UK, any specific financial advice tailored to your situation must be provided by Flying Colours Advice, the company I work for.

We are a team of 60+ technical support, compliance and administration dedicated to helping clients manage their money efficiently, allowing them to focus on enjoying their lives.

Who do you work with?

I can only work with individuals who are UK resident and domicile.

I specialise in advising clients who most commonly have £250k-£3m in assets and focus on ensuring they have enough to meet their needs while managing taxes and making good investment decisions.

My clients in general have reached a point in their lives where they’ve decided they don’t have the time, expertise or inclination to make expensive financial mistakes. They want support to achieve financial freedom, then continue to work, or retire, on their own terms.

How much does it cost?

The cost of our services varies depending on individual circumstances. Our fee structure is percentage-based and varies depending on the level of planning required, with more complex needs resulting in higher charges.

Like going to a restaurant and asking ‘how much is the food?’ It’s tough to be able to outline the exact position without knowing more. What I can say is we are more cost-effective than the industry average, and our investment philosophy is built upon discipline, diversification, and low cost. 

For that reason, any initial discussions are without charge or obligation. If I can’t help you myself, I’ll do everything I can to add some value and point you in the direction of someone who can.

What does the process for taking advice look like?

👋 Meeting 1 - Discovery – here to learn about you; your goals and objectives; so I can understand if and how we can potentially help you. If I can’t help – I’ll do my best to point you in the direction of someone who can.

This is the first discussion, typically via Teams or Zoom.

At the end of this meeting I’ll be able to understand if our service may be a good fit for you and what to expect if it may be in your interests to consider taking financial advice. After the meeting, I send a summary document with what we discussed and initial thoughts so you have something tangible to refer to.

As a policy, I always make sure you take some time to consider if you wish to move forward to the next meeting. No pressure, it’s not my style.

💡 Meeting 2 - Building your ideal future – This is a more in depth meeting where I’ll ask you a series of questions to understand what’s most important to you and what you’d like to accomplish. I’ll determine where you are now, where you want to be and any gaps or obstacles that stand in the way. It’s a chance to get a clear picture of you, so I can guide you in how best to achieve your most important goals.

A mutual decision is made to determine whether we should work together to help you accomplish your goals. Should we choose to work together, we commit to working towards achieving everything important to you.

🤝 This is where we would agree to work together formally. The next stage typically involves going to your providers to gather a professional-level understanding of your pensions and investments. The team and I then formulates this into a clear financial plan and strategy report.

📈 Meeting 3 - Presenting your financial strategy – The team and I bring together all the details you have told us and put together a personal plan to help you make informed decisions. These are designed to help you work toward achieving everything that is important to you.

We create several ‘what if?’ scenarios to show you the different routes you could take to achieving the life goals we’ve previously identified. How to save tax and bring the future into the present so you can make the right choices now. Simply put, this is showing you in black and white why you will be better off having taken our advice.

We use industry-leading software tools to create a detailed financial projection that will help guide your investment decisions. From the best accounts and wrappers to use, to how you should drawdown your funds, everything you need to make the most of what you have.

⏰ Getting the report together normally takes about 3-6 weeks from the 2nd meeting depending on time taken to gather full information from your providers. Our reports typically take 2/3 weeks to write and go through our compliance process, but the unknown is your providers. The team regularly chases this information and part of our service is removing this admin burden from you.

🏆 Making it a reality – This stage enables us to put your plan into action, and to ensure that it continues to meet your lifestyle and financial objectives.

That starts with managing any immediate changes which we may have recommended, taking care of the paperwork and providing regular progress updates.

Looking to the future we’ll communicate regularly with you to check that we’re up to date with any changes to your circumstances which need to be incorporated into your plan.

Can I check your credentials?

For peace of mind, please feel free to check my and the details for Flying Colours on the Financial Conduct Authority website 👇. As-well as through the Chartered Insurance Institute.

My FCA register details

Flying Colours’s FCA register details

Chartered Insurance Institute - member search

How do I arrange a discussion?

All you need to do is click below. 👇