Frazer James
Experts in pensions, investments & insurances. Honest & independent advice from a financial adviser you can trust. Fixed fee, with a money-back guarantee. Call us today for a no-cost, no-commitment initial chat.
We can advise you on
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Pensions & retirement
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Pension consolidation
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Pensions & retirement planning
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Financial planning
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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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Socially responsible investments
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Savings for children
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School fees planning
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Insurance & protection
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Accident & sickness
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Income protection insurance
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Payment protection insurance
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Tax & trust planning
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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
Last authorised 24th February 2020
Meet our advisers
James Mackay
Financial Adviser & Managing Director
Qualifications & Accreditations
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R02 - Investment Principles (CII)
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This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.
CFP - Certified Financial Planner Licence (IFP)
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An internationally recognised financial planning credential. The holder must demonstrate a combination of experience, financial qualifications (usually AFPC/DipPFS) or equivalent, an IFP assessment, ongoing educational activity (continuous professional development) and ethical behaviour.
R05 - Financial Protection (CII)
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This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.
R03 - Personal Taxation (CII)
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This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.
R06 - Financial Planning Practice (CII)
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This qualification helps advisers develop and demonstrate their financial planning capabilities.
CeMAP - Certificate in Mortgage Advice and Practice (LIBF)
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This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.
R01 - Financial Services, Regulation and Ethics (CII)
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This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.
Dip PFS - Personal Finance Society Diploma (PFS)
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To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.
R04 - Pensions and Retirement Planning (CII)
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This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.
What our clients say
Cannot fault them! They provide a fantastic service at an affordable price. Their advice is sound and easy to understand. Definitely recommend to others.
M Nel, Bristol
"We came to you with some trepidation and worry about our financial position, and not feeling very knowledgeable about the world of money. We feel a long way away from that now. We have more clarity than ever and no longer feel such a burden of uncertainty on our shoulders."
D Fry, Weston-Super-Mare
"Since working together, I feel more organised, more secure and more positive about the future. Your advice has been exceptionally valuable financially, professionally and personally."
J Roberts, London
"I’ve previously been uneasy and slightly confused around my finances. I now have a plan for the future and a greater sense of confidence with that."
M Patterson, Bristol
"You help me save money and make money, but by far the biggest thing I get from having you as my adviser is peace of mind. Someone in my corner that is taking care of all aspects of my financial life.”
H Briffitt, London
"I was worried about what would happen to me if I suffered an accident or injury.
Amongst other things, Frazer James helped me to understand what would happen if I was unable to work for any reason. We looked at different scenarios and worked out the best way to provide financial security should something happen to me
What I really liked about Frazer James was their open and collaborative approach. I felt that they listened to me and took my views and opinions into account before providing their recommendations.
I now have a plan in place that gives me the security I need should the worst happen. You can’t put a price on that!"
Sam Waterman, Bristol
"I decided to get financial advice after accepting a job offer with a new employer. I wanted to understand what to do with my current employer pension and work out how to make the most of my new employer’s benefits package (pension, insurance, stock options).
Frazer James were excellent. They did everything I asked of them - and more!
They reduced the charges and tax paid on my current workplace pension and worked out how to make the most of my new employer benefits package, which turned out to be really valuable.
Then they helped me work out if I was saving enough and how to make smarter investment decisions.
Working with Frazer James has helped me better understand my finances and I now feel much more confident in my situation."
George Geddes, Bournemouth
"We received an inheritance and wanted advice on what to do with it. We were concerned about the tax implications and wanted to avoid making a decision that we might later regret.
Before providing any advice, they took the time to get to know us and what we wanted to achieve. The provided us with trustworthy advice and gave us the time and space to think independently.
Their advice was really valuable - definitely not something that we are going to regret. We now have a plan for using the inheritance that we’re really happy with.
I would definitely recommend Frazer James to others."
Billy Wright, Southend-on-Sea
"I’m naturally a cautious person so never felt very comfortable with investing. Frazer James really helped me to understand my investment and have provided great advice. I can now relax knowing my investments are in safe hands."
Joe Worgan, Essex
"Having recently been promoted at work, and with a young family on the way, I realised it was time to get my finances in order.
I wanted to make sure that my money was working as hard as I was and ensure that my family would be financially provided for in case something happened to me.
Working with Frazer James helped me get financially organised and in control of my finances. I now have a plan for me and my families future and with that comes peace of mind.
I would definitely recommend Frazer James to others considering financial advice. I really feel that they have my best interests at heart and trust them with protecting and securing my families future."
Richard Westran, London
"If you’re looking for high quality, personalised financial advice, Frazer James are the people you want to speak to. I’m very happy with them and am happy to recommend them to anyone."
Steve Laird, Hull
"I decided to get a financial adviser to see if I could make my money work harder.
Although I had saved up a reasonable amount of money, it was just sitting in the bank earning next to no interest.
The thing that struck me about Frazer James is that they were interested in me, and not my money. They took the time to find out what was important to me and what my concerns were.
They explained the different types of investments and how they work in a simple and easy to understand way. We then agreed a plan for investing some of the money which so far is working out very well.
I’m really happy with what Frazer James are doing for me and I would definitely recommend them to others."
Daniel Dunderdale, Cambridge
"The team at Frazer James provide an excellent service. They take the time to understand my needs and then provide me with sound advice that was personalised to me. It’s been a pleasure to work with them and I would recommend them to others."
Dean Pinder, London
"James Mackay and his team are great. Focused on not just the customers financial goals, but also providing common sense assistance to get those life goals too. Highly Recommended."
David Ralph, London
"James and his team at Frazer James offer excellent financial advice. They helped me to understand my pension and have excellent attention to detail. I would definitely recommend to anyone in need of pension or general financial advice."
Thomas Steel, London
"I decided to take financial advice after realising that I lacked the expertise and time to effectively do it myself. Although I had achieved some success with my career, this wasn’t reflected in my personal financial situation.
I was looking to find a financial adviser who I could trust to take care of my finances, do some forward planning and deal with the admin on my behalf, and ultimately help me make better decisions in order to achieve my financial goals.
As a result of working with Frazer James, I feel that my finances are in much better shape and are being given the attention they desperately needed.
Definitely one of the best decisions I’ve made recently and I would recommend them to anyone."
Jamie Branston, Hertfordshire
About us
Frazer James was founded on the idea that 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞 𝐧𝐞𝐞𝐝𝐞𝐝 𝐦𝐨𝐝𝐞𝐫𝐧𝐢𝐬𝐢𝐧𝐠.
We believe that financial advice, delivered properly, is about helping clients discover and live their best lives. To do this, we created 𝗠𝗼𝗻𝗲𝘆𝗣𝗹𝗮𝗻, 𝗮 𝗽𝗿𝗼𝘃𝗲𝗻 𝗽𝗿𝗼𝗰𝗲𝘀𝘀 𝗳𝗼𝗿 𝗮𝗰𝗵𝗶𝗲𝘃𝗶𝗻𝗴 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝘂𝗰𝗰𝗲𝘀𝘀 and living life on your own terms.
• It’s about making smarter decisions with your money, ensuring that it’s working as hard as you are, so that you can enjoy today without worrying about the future.
• It answers the big questions, things like when can I stop working, will I have enough and what are the trade-offs?
Whatever the question, you’re in safe hands. We are a team of Certified and Chartered Financial Planners, a hallmark of quality held by less than 2% of UK advisers. This means that we know our stuff, particularly when it comes to pensions, investments and insurance.
If you decide that we’re right for you, we keep things simple. We offer fixed flat fees, so you always know exactly what you’re paying. There’s no hidden costs and no small print.
If for any reason you’re not entirely satisfied, we offer a full 𝗺𝗼𝗻𝗲𝘆 𝗯𝗮𝗰𝗸 𝗴𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲, no questions asked.
Our services
𝗪𝗲 𝗸𝗻𝗼𝘄 𝘁𝗵𝗮𝘁 𝘆𝗼𝘂𝗿 𝘁𝗶𝗺𝗲 𝗶𝘀 𝗹𝗶𝗺𝗶𝘁𝗲𝗱, 𝘀𝗼 𝘄𝗲 𝗼𝗳𝗳𝗲𝗿 𝗳𝗹𝗲𝘅𝗶𝗯𝗹𝗲 𝗺𝗲𝗲𝘁𝗶𝗻𝗴𝘀.
We offer evening and weekend appointments, either by video or in person. We work around your schedule, so you don’t need to take the afternoon off and find a babysitter just so that we can meet.
𝗪𝗲 𝗸𝗻𝗼𝘄 𝘁𝗵𝗮𝘁 𝗹𝗶𝗳𝗲 𝗰𝗮𝗻 𝗯𝗲 𝘀𝘁𝗿𝗲𝘀𝘀𝗳𝘂𝗹, 𝘀𝗼 𝘄𝗲 𝗺𝗮𝗸𝗲 𝘁𝗵𝗶𝗻𝗴𝘀 𝗲𝗮𝘀𝘆.
We remove the obstacles, rather than putting them in your way. We’ll deal with your financial providers directly, so you don’t have to. We also complete the paperwork on your behalf, so there’s no needless form filling.
𝗪𝗲 𝗸𝗻𝗼𝘄 𝘁𝗵𝗮𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝗰𝗮𝗻 𝗯𝗲 𝗰𝗼𝗺𝗽𝗹𝗶𝗰𝗮𝘁𝗲𝗱, 𝘀𝗼 𝘄𝗲 𝗸𝗲𝗲𝗽 𝘁𝗵𝗶𝗻𝗴𝘀 𝘀𝗶𝗺𝗽𝗹𝗲.
We make the complicated things simple, by communicating in plain English, a language you’ll understand. We take the time to explain the important things, rather than assume you’ll know what we mean and avoid any confusing acronyms or jargon.
𝗪𝗲 𝗸𝗻𝗼𝘄 𝘁𝗵𝗮𝘁 𝘁𝗵𝗶𝘀 𝗶𝘀 𝗮 𝗯𝗶𝗴 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻, 𝘀𝗼 𝘄𝗲'𝗹𝗹 𝗴𝗼 𝗳𝗶𝗿𝘀𝘁.
We offer a Free Financial Health Check, which works out where you are today, where you want to be and creates a plan to get you there. There’s no cost or commitment, it’s just an opportunity to see if we’re right for you.
Where to find us
Frazer James, Square Works, 17 – 18 Berkeley Square, Bristol, BS8 1HB
Preferred clients
Minimum wealth (income/assets)
£50,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Advice methods
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Telephone
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Online (Live chat, video, email)
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Face to face
Compliance
Frazer James Limited is authorised and regulated by the Financial Conduct Authority (834451).
By working with Frazer James, you are protected by the Financial Services Compensation Scheme, which means if anything goes wrong, you're covered.
We have dedicated compliance support and full professional indemnity insurance.
We have never had a complaint made and offer a full money back guarantee if you're unhappy with the service for any reason.
