Liviu Ratoi

Liviu Ratoi

Flying Colours Advice Limited

Minimum savings/pensions: Over £250,000

0330 038 8942
Based in Bracknell
View location

Top Rated 2025
Verified since: September, 2023

4.8 out of 5

36 reviews


Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 26 March 2025

    Liviu is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Liviu's status

  • 17

    Recent Client Reviews

    Verified reviews: 100%

    Liviu has received 17 client reviews in the past 12 months; 100% of these have been verified

  • Independent Financial Adviser

    Last checked: 17 February 2025

    An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.

  • 6

    Qualifications Uploaded

    6 qualification certificates available to view

    Liviu has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Fees not yet added

    Liviu has not yet added their fees to their profile

Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 26 March 2025

    Liviu is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Liviu's status

  • 17

    Recent Client Reviews

    Verified reviews: 100%

    Liviu has received 17 client reviews in the past 12 months; 100% of these have been verified

  • Independent Financial Adviser

    Last checked: 17 February 2025

    An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.

  • 6

    Qualifications Uploaded

    6 qualification certificates available to view

    Liviu has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Fees not yet added

    Liviu has not yet added their fees to their profile

I offer a highly personal service, providing face-to-face advice and tailoring specific financial solutions to your individual needs. My philosophy is to build long-term relationships with you, based on mutual openness and trust. As circumstances will change over time, I believe it’s important to ensure that financial planning is reviewed on an ongoing basis. So, whether it’s pension and investment planning, protection or tax planning that’s required, I will continually review your financial situation and your goals. Safeguarding your financial interests is at the heart of what I do. I gain a great deal of satisfaction in helping clients to achieve their goals and ambitions. I also enjoy the excitement of finding solutions to complex problems and situations.

Offers available through VouchedFor

Contact Liviu through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.

£430,000 Consumer Protection

Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).

About Liviu's clients

Based on responses provided by clients who have reviewed this adviser

Clients' level of financial expertise

Household income

Mortgage value

Savings

Clients' level of financial expertise

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Adviser Disclaimer

Flying Colours is a trading name of Flying Colours Advice Limited, company number 09075635, which is authorised and regulated by the Financial Conduct Authority under number 672022 at Greenwood House, London Road, Bracknell, Berkshire RG12 2AA, UK.