Flying Colours

Independent Financial Adviser  204 Butterstile Lane, Manchester, Greater manchester, M25 9UN
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
10/10
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FCA authorised
Last authorised 10th August 2020
Meet our advisers
Stephen Fox
Financial Adviser

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

What our clients say
What were the circumstances that caused you to look for a Financial adviser? Pension review and planning. How did Stephen Fox help you? Wealth Management Advice from Stephen FoxStephen and I first started to talk last year, and from my first meeting with him it was clear he could understand what I wanted to achieve. After initial meetings, Stephen delivered a number of options, explaining the pro's and con's of each option. Having decided what to do and how to do it was just the first step. I was then, and am now, very impressed by Stephen's attention to detail. He likes to understand more about the person I am so he can make recommendations that suit my personal circumstance and lifestyle. Even after the completion and signing of contracts, the follow up and regular contact from Stephen is a detail missing from most advisers. When Stephen decided to start his new venture, I had no hesitation in following him and keeping him on board as my financial adviser.Peter England. What is your current situation? Have you seen the outcome you were hoping for? Yes, 100%.
Peter England, Shrewsbury
What were the circumstances that caused you to look for a Financial adviser? Retirement Planning. How did Stephen Fox help you? Stephen took the time to get to know us as a family and therefore understand our needs. He did all the groundwork necessary on our behalf and explained in full, in a way that we could understand, the potential outcomes and choices we could make. What is your current situation? Have you seen the outcome you were hoping for? Although not quite in a position to proceed at the moment, as soon as the decision is made, then we know exactly what we need to do. We certainly would not be in this position without Stephen's help and advice. What could they have done better? Nothing - I believe Stephen has done everything he could as well as he could and certainly has our best interests at heart. Report Content Issue
Jan Lynch, Blackpool
What were the circumstances that caused you to look for a Financial adviser? Retirement planning. How did Stephen Fox help you? Understanding anything to do with financial planning for retirement is complex but Stephen goes through things in such a way it gives me a clear idea of what I could do and makes me confident my finances are in good hands. Andrew Farmer. What is your current situation? Have you seen the outcome you were hoping for? Up to now I have had a good return on investments. Stephen has invested in funds that do not leave me too exposed to market volatility which is really important as I approach my chosen retirement age. What could they have done better? I don’t believe there is much else that Stephen could have differently although I am probably due for review
Andrew, Lancashire
What were the circumstances that caused you to look for a Financial adviser? We wanted our investments with someone who we could trust and Stephen fox fits the bill. We have been very happy with his service. How did Stephen Fox help you? Stephen fox has looked after our investments for a good number of years now and we would recommend him to anyone wishing to find someone to handle their investments. We have always found him to be honest and truthful. Mr and Mrs sharples. Barton. What is your current situation? Have you seen the outcome you were hoping for? Yes. What could they have done better? Nothing really we have been very happy with his service.
Robert, UK
What were the circumstances that caused you to look for a Financial adviser? I had been planning to get into the investment scene for some time - and finally made the step. How did Stephen Fox help you? Stephen has been a good friend for many years, thus was the logical choice. He explained the process in easy to understand terms, and got the process moving swiftly. I can't speak highly enough of his service. What is your current situation? Have you seen the outcome you were hoping for? Yes, Stephen has been of great assistance. What could they have done better? There is nothing that immediately stands out. I have been very impressed and pleased with all aspects so far.
Ian Worthington, United Kingdom
What were the circumstances that caused you to look for a Financial adviser? Read an article in readers digest regarding defined pensions ... was contacted by flying colours who in turn got Stephen to contact me. How did Stephen Fox help you? From meeting Stephen i explained what I wanted to do with my pensions especially my works defined pension.. I was wanting to use some of that capital to be able to pay off my mortgage and also to revamp my kitchen,bathroom and new windows and maybe have a little holiday too lol... Stephen was so friendly and understood my needs .. he kept me up to date of how things were going and from his help and advice I got a quote from my defined pension ...so one happy Glo come July nxt year when Im 55 ... would recommend Stephen for the help and advice he gave me also its great to have someone explain it in English no long complicated words that an working person wouldnt understand .... What is your current situation? Have you seen the outcome you were hoping for? Yes I have ... so looking forward to working up to my retirement. What could they have done better? Nothing to report ... Stephen has a great rapport easy going explains everything in detail without making it complicated .. just carry on with what he does
Gloria, United Kingdom
What were the circumstances that caused you to look for a Financial adviser? Change in circumstances and a preparing for retirement. How did Stephen Fox help you? Stephen described some options that we had not considered which made a lot of scene. I needed explaining in simple terms and I appreciate he did this in a way that was understandable with detail but not over complicated. What is your current situation? Have you seen the outcome you were hoping for? I am confident we will have more money available for later life as well as improved return on our investments in shorter terms. What could they have done better? I wish we had found him sooner. It wasn’t just the financial benefits. Stephen came across as genuine, trustworthy yet honest with real expectations.
Michael, Uk
What were the circumstances that caused you to look for a Financial adviser? Planning for retirement. How did Stephen Fox help you? Stephen took time to understand our situation, needs and attitudes towards money, investments and risk. What is your current situation? Have you seen the outcome you were hoping for? It is early days but everything seems to panning out in the best way we could have hoped for. What could they have done better? Nothing
Anthony Greenwood, Preston
What were the circumstances that caused you to look for a Financial adviser? Planning for retirement. How did Stephen Fox help you? Good, clear advice on how to invest money inherited to supplement my private pension, so I can retire early. What is your current situation? Have you seen the outcome you were hoping for? Early days, only just started working with Stephen, but I have every confidence I will be able to retire as planned next year, and have an income from investments, to maintain my standard of living. What could they have done better? He has been patient and professional, explaining everything several times, as I am new to the world of financial advise. I can't suggest any improvement at present.
Mrs Gilberg, Lancashire
What were the circumstances that caused you to look for a Financial adviser? My wife (mainly) and myself (to a lesser extent) are receiving inheritance monies. We required advice on how best to invest the capital for a monthly income, to facilitate my wifes early retirement and also to protect the capital. How did Stephen Fox help you? Stephen discussed with us - and assessed - our attitude to risk. He also looked comprehensively at our outgoings and did a full assessment of our incomes both now and in the future, including our company pensions, and state pensions (including advising on topping up National Insurance contributions). Stephen came up with a plan that met our attitude to risk and would facilitate our objectives of a monthly income to support my wifes early retirement and also protect the capital. What is your current situation? Have you seen the outcome you were hoping for? It is too early to say as we are only in the initial stages of investment, currently awaiting the bulk of the inheritance monies, and my wife isnt retiring until 2019. However, we are happy with the investment structure, we have visibility of everything online, and we understand how the plan will work as inheritance monies come in. What could they have done better? Stephen has been excellent in terms of explanations, looking at our options, communication, timely responses to questions, and genuinely caring about our future. I don’t think he could have done anything better.
Paul, Lancashire
What were the circumstances that caused you to look for a Financial adviser? Recently left one employer and wanted to understand if moving my pension to my new employers scheme was the best option. How did Stephen Fox help you? Stephen and his team provided excellent advice in a professional and friendly manner. Stephen presented the options available in a clear and concise way that enabled me to make an informed decision.Thanks againJon. What is your current situation? Have you seen the outcome you were hoping for? Yes. What could they have done better? Adviser could not have done anything better
Jon Underwood, 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: 204 Butterstile Lane, Prestwich, Manchester, M25 9UN
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum pension value
£50,000
Minimum mortgage value
£0
Advice methods
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    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 10th August 2020

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