Flying Colours

Independent Financial Adviser  20 Collis Street, Reading, Berkshire, RG2 0AE
First meeting at adviser's own cost
Our mission is to improve the returns of your pensions & investments by minimising costs & maximising the value of independent advice.
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Socially responsible investments
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Traded endowment policies
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Unit trusts
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Lump sum
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National savings
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Regular savings
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Savings for children
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School fees planning
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Accident & sickness
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Buildings and contents
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Critical illness
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Healthcare
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Home and leisure
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Income protection insurance
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Large business
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Life insurance
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Payment protection insurance
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Small business
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Travel
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Capital gains tax
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Estate planning
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Income tax
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Taxation planning
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Corporate pension
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Employee benefits
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Group ISA
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Group critical illness
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Group income protection
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Group life insurance
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Group private medical insurance
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Group risk
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Long term care
Response rating
7.0/10
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FCA authorised
Last authorised 21st September 2020
Meet our advisers
Mathew Angel
Financial Adviser

This qualification develops advanced technical knowledge and understanding across a broad range of key advisory areas.

What our clients say
What were the circumstances that caused you to look for a Financial adviser? I had some money that I needed to invest as cash ISA's returned too little given the interest rate. How did Steve Stobie help you? What were the circumstances that caused you to look for a Financial adviser?I have hit 60 and wanted to consolidate a number of pensions to get an annuity and then to invest the 25% of funds released. I looked at a number of different companies, read the reviews and also compared the advice that they offered.How did Flying Colours Wealth help you?Everything was explained clearly and with understanding of my current position and what i hoped to achieve in the future from my association with Flying Colours. The financial adviser had a very personable approach.What is your current situation? Have you seen the outcome you were hoping for?Too early to say.What could they have done better?At this point, as far as i am aware there is nothing that i would change. What is your current situation? Have you seen the outcome you were hoping for? To be honest, i have been a little disappointed, but that is probably due to brexit and the fact that I chose a middling conservative position. What could they have done better? More communication about how other options a year down the line might have been useful as i would then be able to judge whether I should move the funds to a different portfolio. The conservative one tends to invest mostly in UK funds and due to what is currently happening these are probably not the best. I do think they should be more versatile and flexible about what the chosen investments are based on market data
John, England
What were the circumstances that caused you to look for a Financial adviser? Pensions advice. I was looking to move my current investments in my SIPP. How did Steve Stobie help you? I would highly recommend Steve Stobie and the team at Flying Colours. They offered me an indepth review of my pension finances and offered exceptional advice over and above what was expected. They do not pressure and appear to have their clients best interest at heart. I would not hesitate in recommending them to my friends and family. What is your current situation? Have you seen the outcome you were hoping for? Yes. Appropriate advice was given.
Dave England, Middlesex
What were the circumstances that caused you to look for a Financial adviser? I needed assistance with managing my pension schemes. How did Steve Stobie help you? I would happily recommend Flying Colours as they recently assisted me with locating and reviewing a large number of separate Pension Schemes, which I had accumulated during my working career. This was a daunting task, which I'm sure many people are faced with, and my Financial Advisor was extremely helpful, knowledgeable, professional and understanding of my situation. A clear and concise pension report was produced within a reasonable timeframe, and time was taken to explain all the options, so that I could make the best decision going into retirement. What is your current situation? Have you seen the outcome you were hoping for? Yes I have.
Ms Dalby, Berkshire
What were the circumstances that caused you to look for a Financial adviser? My Personal Pension was coming to its maturity date and I was looking for ways to transfer to a Down-down or SIPP. How did Steve Stobie help you? What were the circumstances that caused you to look for a Financial adviser?I needed to find an investment for my pension that would provide for me during my retirement. My pension company would only release the funds in my pension via a financial advisor.How did Flying Colours Wealth help you?Set up a SIPP and transfer the funds from my pension company to the new SIPP. Also advised me on what I should do with other investments and how to maximize the second element in my pension, when I reach 65.What is your current situation? Have you seen the outcome you were hoping for?Yes. The whole process was fully explained, along with fees. A detailed forecast of how I could expect the investments to perform was also produced. As a result of the advice, my original concept of just taking my pension pot as cash, I now see as folly. Because of the advice, I now have an investment that will be available to me for my retirement and saved my paying a lot of tax. What is your current situation? Have you seen the outcome you were hoping for? Yes, through Steve's advice, I now have a SIPP that will hopefully live up to the expected returns and give me that extra security in retirement. What could they have done better? I think that Steve did a good job. Any delays that were experienced during the transfers from my pension company to the SIPP, were mainly due to the pension company, in that they were woefully slow sending out the necessary forms for my to sign to permit the transfer.
Mr Lovegrove, Lincoln
What were the circumstances that caused you to look for a Financial adviser? I inherited some money recently and wanted to find a means of saving it which would not devalue. How did Steve Stobie help you? I was surprised to read a recent review of the services provided by Flying Colours as my experience was completely different. I found them to offer me very good advice and allowed me as much time as required to answer all my questions during a telephone conference. All transactions were completed within the time frame allowed and I was very satisfied. The only reason I didn't rate it as 5 stars was due to the fact that it is my first experience with financial advisors so had no benchmarks to refer to. I would have no qualms in recommending Flying Colours to others.John Townsend. What is your current situation? Have you seen the outcome you were hoping for? The results at the end of the first year were not amazing but they fell within my area of expectations, and with additional advice regarding SIPS I was very happy with the overall outcome. What could they have done better? I am very happy with the service I have been given.
John, United Kingdom
What were the circumstances that caused you to look for a Financial adviser? Retirement investment. How did Steve Stobie help you? Flying Colours was a personal recommendation from a colleague and I have to say I have not been disappointed. Steve and the FC team have given investment advice and recommendations which has allowed me to retire knowing that I have reliability and flexibility in my investments plus use any tax allowances efficiently. I would recommend Flying Colours it took only 4 months from initial contact to setting up the investment and at all stages my questions were answered promptly and I was always updated on the stages we needed to pass. All in all an enjoyable and informative process that I look forward to continuing with Steve and the FC team. What is your current situation? Have you seen the outcome you were hoping for? yes. What could they have done better? As I monitor the investments monthly I would appreciate updates when the investment strategy changes in a timely manner.
Mrs Needham, Hampshire
What were the circumstances that caused you to look for a Financial adviser? had a sum coming from 2 work pensions. How did Steve Stobie help you? My experience of Steve and the team at Flying Colours has been very good with prompt and helpful replies to all my queries. Steve always phoned when he said he would and Peter in the office sorted out swiftly problems with my change of address to France. I would not hesitate to recommend them. What is your current situation? Have you seen the outcome you were hoping for? the investment is over 10 years so result not known yet.
Ian Bains, France
What were the circumstances that caused you to look for a Financial adviser? Retirement investment. How did Steve Stobie help you? Flying Colours was a personal recommendation from a colleague and I have to say I have not been disappointed. Steve and the FC team have given investment advice and recommendations which has allowed me to retire knowing that I have reliability and flexibility in my investments plus use any tax allowances efficiently. I would recommend Flying Colours it took only 4 months from initial contact to setting up the investment and at all stages my questions were answered promptly and I was always updated on the stages we needed to pass. All in all an enjoyable and informative process that I look forward to continuing with Steve and the FC team. What is your current situation? Have you seen the outcome you were hoping for? yes. What could they have done better? As I monitor the investments monthly I would appreciate updates when the investment strategy changes in a timely manner.
Mrs Needham, Hampshire
What were the circumstances that caused you to look for a Financial adviser? move a Barclays DB scheme from Willis Towers Watson to another company scheme at WTW. How did Steve Stobie help you? I tried and failed to move a Barclays DB scheme from Willis Towers Watson to another company scheme at WTW a number of years ago... then I discovered Flying Colours. Steve Stobie conducted a review and provided me with a detailed report/recommendation in a timely manner. Quite painless. What is your current situation? Have you seen the outcome you were hoping for? Absolutely.
Andre, United Kingdom
What were the circumstances that caused you to look for a Financial adviser? had a sum coming from 2 work pensions. How did Steve Stobie help you? My experience of Steve and the team at Flying Colours has been very good with prompt and helpful replies to all my queries. Steve always phoned when he said he would and Peter in the office sorted out swiftly problems with my change of address to France. I would not hesitate to recommend them. What is your current situation? Have you seen the outcome you were hoping for? the investment is over 10 years so reswult not known yet.
Ian Bains, France
What were the circumstances that caused you to look for a Financial adviser? Pension transfer. How did Steve Stobie help you? FC were recommended by a friend and they did not disappoint. We were working to a very tight deadline and Steve and the team pulled out all the stops to get all the reports and the admin completed on time. I will continue to use them in the future and would certainly recommend them to others, as indeed I have already done. What is your current situation? Have you seen the outcome you were hoping for? Yes. What could they have done better? Nothing I can think of.
Paul, Uk
What were the circumstances that caused you to look for a Financial adviser? Pension transfer. How did Steve Stobie help you? FC were recommended by a friend and they did not disappoint. We were working to a very tight deadline and Steve and the team pulled out all the stops to get all the reports and the admin completed on time. I will continue to use them in the future and would certainly recommend them to others, as indeed I have already done. What is your current situation? Have you seen the outcome you were hoping for? Yes. What could they have done better? Nothing I can think of.
Paul, Uk
What were the circumstances that caused you to look for a Financial adviser? I needed assistance with managing my pension schemes. How did Steve Stobie help you? I would happily recommend Flying Colours as they recently assisted me with locating and reviewing a large number of separate Pension Schemes, which I had accumulated during my working career. This was a daunting task, which I'm sure many people are faced with, and my Financial Advisor was extremely helpful, knowledgeable, professional and understanding of my situation. A clear and concise pension report was produced within a reasonable timeframe, and time was taken to explain all the options, so that I could make the best decision going into retirement. What is your current situation? Have you seen the outcome you were hoping for? Yes I have.
Ms Dalby, Berkshire
What were the circumstances that caused you to look for a Financial adviser? move a Barclays DB scheme from Willis Towers Watson to another company scheme at WTW. How did Steve Stobie help you? I tried and failed to move a Barclays DB scheme from Willis Towers Watson to another company scheme at WTW a number of years ago... then I discovered Flying Colours. Steve Stobie conducted a review and provided me with a detailed report/recommendation in a timely manner. Quite painless. What is your current situation? Have you seen the outcome you were hoping for? Absolutely.
Andre, United Kingdom
What were the circumstances that caused you to look for a Financial adviser? My Personal Pension was coming to its maturity date and I was looking for ways to transfer to a Down-down or SIPP. How did Steve Stobie help you? What were the circumstances that caused you to look for a Financial adviser?I needed to find an investment for my pension that would provide for me during my retirement. My pension company would only release the funds in my pension via a financial advisor.How did Flying Colours Wealth help you?Set up a SIPP and transfer the funds from my pension company to the new SIPP. Also advised me on what I should do with other investments and how to maximize the second element in my pension, when I reach 65.What is your current situation? Have you seen the outcome you were hoping for?Yes. The whole process was fully explained, along with fees. A detailed forecast of how I could expect the investments to perform was also produced. As a result of the advice, my original concept of just taking my pension pot as cash, I now see as folly. Because of the advice, I now have an investment that will be available to me for my retirement and saved my paying a lot of tax. What is your current situation? Have you seen the outcome you were hoping for? Yes, through Steve's advice, I now have a SIPP that will hopefully live up to the expected returns and give me that extra security in retirement. What could they have done better? I think that Steve did a good job. Any delays that were experienced during the transfers from my pension company to the SIPP, were mainly due to the pension company, in that they were woefully slow sending out the necessary forms for my to sign to permit the transfer.
Mr Lovegrove, Lincoln
What were the circumstances that caused you to look for a Financial adviser? Pensions advice. I was looking to move my current investments in my SIPP. How did Steve Stobie help you? I would highly recommend Steve Stobie and the team at Flying Colours. They offered me an indepth review of my pension finances and offered exceptional advice over and above what was expected. They do not pressure and appear to have their clients best interest at heart. I would not hesitate in recommending them to my friends and family. What is your current situation? Have you seen the outcome you were hoping for? Yes. Appropriate advice was given.
Dave England, Middlesex
What were the circumstances that caused you to look for a Financial adviser? I inherited some money recently and wanted to find a means of saving it which would not devalue. How did Steve Stobie help you? I was surprised to read a recent review of the services provided by Flying Colours as my experience was completely different. I found them to offer me very good advice and allowed me as much time as required to answer all my questions during a telephone conference. All transactions were completed within the time frame allowed and I was very satisfied. The only reason I didn't rate it as 5 stars was due to the fact that it is my first experience with financial advisors so had no benchmarks to refer to. I would have no qualms in recommending Flying Colours to others.John Townsend. What is your current situation? Have you seen the outcome you were hoping for? The results at the end of the first year were not amazing but they fell within my area of expectations, and with additional advice regarding SIPS I was very happy with the overall outcome. What could they have done better? I am very happy with the service I have been given.
John, United Kingdom
About us

Flying Colours, is a national company and have advisers across the UK. We believe we can improve the returns of the average UK investor, through attacking the hidden costs and the benefit of personalised independent financial advice.

We build long term, trusted relationships with our clients, working to a plan for their future, with ongoing support and updates for changing circumstances gives our clients peace of mind that their money is being made to work for them.

We are independent financial advisers, being independent ensures that we can advise our clients on the best and most appropriate products and services available in the market place.

If you would like a free consultation with one of our advisers, and to find out what makes us different, please do get in touch. We're looking forward to your call.

Our services

At Flying Colours, we provide a comprehensive financial planning, we advise and specialise in the following;

• ISAs and investments
• Pensions and annuities
• Pension transfers (including Defined Benefit)
• Life and ill health insurance
• Long term care
• Estate and inheritance tax planning
• Tax advice

Whether you're planning for retirement, trying to build an effective investment strategy, or are keen to reduce your tax bill, our professional and friendly independent financial advisers can help you.

Where to find us
Head office address: 20 Collis Street, Berkshire, Reading, RG2 0AE
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
7.0/10
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FCA authorised
Last authorised 21st September 2020

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