Our people

We’re proud of our team at Flying Colours. We only hire passionate, dedicated and friendly professionals. We continually invest in training and support so that they get even better. That means we can be confident we are delivering the best possible service to you at all times. If you ever have a question then please don’t hesitate to pick up the phone and give us a call.

Advice team Personable and experienced. Our independent financial advisers are fully qualified and regulated by the FCA.

Ed Cullen

Independent Financial Adviser
Dip PFS

As a level four fully qualified Financial Planner with over 25 years in the financial service industry, Ed began his career Working for home service companies and banks were he  picked up a lot of experience and understanding of people's financial needs. Ed believes his purpose as a Wealth Planner is to help my existing and future clients over four distinct phases of life: the creation of wealth, its maintenance, its growth, and its protection. Ed Cullen offers bespoke tailor-made packages, designed to smooth the way through the minefield that financial planning can be. His experience  has prompted this approach, and he believes in the merits of customised solutions; based on his knowledge of working for Banks in the past who only offer  one-fit, off-the-shelf solutions. Such products are specifically designed  for a mass market approach, which generally tends to benefit only the providers.

Stephen Fox

Independent Financial Adviser
Dip PFS

Stephen is a fully qualified financial adviser and holds a diploma in financial planning with both the Chartered Insurance Institute and the Chartered Institute for Securities & Investments. He has worked in the financial sector for 10 years and has a wealth of experience across Pensions, Investments, Protection and Tax Planning. Stephen joined the industry working on investment specific stockbroking tasks before adding to his knowledge in this area by focusing on the bespoke financial planning side of the industry allowing him to deliver a truly rounded approach to financial services for his clients. Stephen takes enormous pride out of having a working relationship with his clients he has built up over the years delivering a jargon free service that his clients truly cherish. Outside of work he is married to Joanna and has two sons William and Sebastian and in his free time you will find Stephen with his sons at rugby and football training or down the gym where he has been a member for 20 years.

Steve Lavelle

Independent Financial Adviser
Dip PFS

With over 30 years' experience in Financial Services, Steve holds the level 4 Diploma with the Chartered Insurance Institute as well as also being a member of the Chartered Institute for Securities and Investments.

Steve has a wealth of experience gained from working for a number of large banking institutions mainly working within the Commercial and Corporate Departments offering advice to business owners.

In recent years Steve has specialised more helping clients at retirement utilising Pension Freedoms legislation introduced in 2015.

Outside of work Steve has 3 young children, enjoys cycling and hillwalking and can often be found working hard at his local gym.

Carl Williams

Independent Financial Adviser
Dip PFS

With over 18 years in the Financial Services industry, Carl was also employed by Lloyds Banking Group for 17 years - with 8 years of this service within the Private Banking arm of Lloyds, providing an ongoing Relationship Service to a bank of over 300 clients. He then decided to move into Independent Advice as he felt that offering Restricted Advice, such as that which High Street Banks tend to offer, limits client options and therefore does not really adhere to the 'Treating Clients Fairly' mantra which is a significant factor in providing financial advice. Carl believes that  building relationships with clients and providing an ongoing service has helped him become a trusted adviser and has resulted in many clients happily referring their friends and family.