Flying Colours & Partners

Independent Financial Adviser  -, Kilmarnock, Ayrshire and arran, KA3 1NQ
First meeting at adviser's own cost
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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Offshore investments
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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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Commercial motor
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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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Commercial mortgages
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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
Cairn Smith
About us

Independent financial advice can benefit everyone, and we’re here to help and advise on all manner of future planning – for you individually, for your family or your business, and much, much more. Whether it’s a pension, saving for your child’s education, business premises you want to insure, or simply some peace of mind that your financial matters are being looked after by a highly qualified and experienced financial professional, our team at Spence and Spence are here to help you. Take a look at our range of services below for more details about how we can assist you. For any questions and further advice, please get in touch to arrange a free, no obligation meeting with one of our independent financial advisers, who will put you on the right path to achieving your financial goals.

Our services

As Independent Financial Advisers, we provide entirely impartial advice on products and policies you may already have, and on new ones you may be looking to take out. We search the marketplace for the very best deals without being tied to any particular provider. Financial advice should be geared towards you– achieving your financial and life goals. We are here to ensure that your plans and policies evolve and adapt to continue to meet your goals. Our approach is all inclusive – with a wealth of expertise and strong and established links with our trusted partners, such as lawyers and accountants.

Where to find us
Head office address: -, Kilmarnock, KA3 1NQ
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
7.0/10
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FCA authorised
Last authorised 21st September 2020

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