Frazer James
๐๐๐ง๐ฌ๐ข๐จ๐ง & ๐๐ง๐ฏ๐๐ฌ๐ญ๐ฆ๐๐ง๐ญ ๐๐ฑ๐ฉ๐๐ซ๐ญ๐ฌ. Top-rated independent financial adviser. Chartered IFA & Certified Financial Planner. Helping you make smart decisions with your money. Evening & weekend appointments available. Free consultation.
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 18th January 2021
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.ย
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.
Chris Hindle
Technical Adviser & Operations 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.
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.ย
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.
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.
AdvDipFA - Advance Diploma in Financial Advice (LIBF)
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This qualification is for those individuals that wish to undertake additional qualifications above the benchmark requirement and covers investment strategies, taxation, trusts and later life planning.
Katherine Mock
Paraplanning Consultant
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.
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.ย
Chartered Financial Planner (CII)
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Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.
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.
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.
Certificate in Equity Release
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This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.
Associate of the Chartered Institute for Securities and Investments
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ACSI membership of the CISI, and denotes commitment to professionalism. It is awarded to those with a suitable combination of qualifications and experience.
Karen Malin
Compliance Support
Qualifications & Accreditations
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FCII - Fellow Membership (CII)
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Fellowship of the CII is universally regarded as the premier qualification for those working in the insurance industry. This shows a commitment to continuous professional development.
James Whittington
Client Associate
Qualifications & Accreditations
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FPFS - Fellow, Personal Finance Society (PFS)
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To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.
ACII - Associateship Examination (CII)
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Associate members are those who have gone on to secure more advanced qualifications by completing the Advanced Diploma in Insurance or its predecessor the Associateship. This shows a commitment to continuous professional development.
What our clients say
"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.โ
H Briffitt, London
"Iโve 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
"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
"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
"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
"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 canโt put a price on that!"
Sam Waterman, Bristol
"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 weโre really happy with.
I would definitely recommend Frazer James to others."
Billy Wright, Southend-on-Sea
"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 employerโs 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
"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
"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. Itโs 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
"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.
Iโm really happy with what Frazer James are doing for me and I would definitely recommend them to others."
Daniel Dunderdale, Cambridge
"If youโre looking for high quality, personalised financial advice, Frazer James are the people you want to speak to. Iโm very happy with them and am happy to recommend them to anyone."
Steve Laird, Hull
"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
"Iโm 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
"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 wasnโt 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 Iโve made recently and I would recommend them to anyone."
Jamie Branston, Hertfordshire
About us
Frazer James was founded on the idea that ๐๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐๐๐ฏ๐ข๐๐ ๐ง๐๐๐๐๐ ๐ฆ๐จ๐๐๐ซ๐ง๐ข๐ฌ๐ข๐ง๐ .
We believe that financial advice, delivered properly, is about helping clients discover and live their best lives. To do this, we created ๐ ๐ผ๐ป๐ฒ๐๐ฃ๐น๐ฎ๐ป, ๐ฎ ๐ฝ๐ฟ๐ผ๐๐ฒ๐ป ๐ฝ๐ฟ๐ผ๐ฐ๐ฒ๐๐ ๐ณ๐ผ๐ฟ ๐ฎ๐ฐ๐ต๐ถ๐ฒ๐๐ถ๐ป๐ด ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐๐๐ฐ๐ฐ๐ฒ๐๐ and living life on your own terms.
โข Itโs about making smarter decisions with your money, ensuring that itโs working as hard as you are, so that you can enjoy today without worrying about the future.
โข 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, youโre in safe hands. We are a team of Certified Financial Planners & Chartered IFAs, 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 weโre right for you, we keep things simple. We offer fixed flat fees, so you always know exactly what youโre paying.
If for any reason youโre not entirely satisfied, we offer a full money-back guarantee.
Our services
๐ช๐ฒ ๐ธ๐ป๐ผ๐ ๐๐ต๐ฎ๐ ๐๐ผ๐๐ฟ ๐๐ถ๐บ๐ฒ ๐ถ๐ ๐น๐ถ๐บ๐ถ๐๐ฒ๐ฑ, ๐๐ผ ๐๐ฒ ๐ผ๐ณ๐ณ๐ฒ๐ฟ ๐ณ๐น๐ฒ๐
๐ถ๐ฏ๐น๐ฒ ๐บ๐ฒ๐ฒ๐๐ถ๐ป๐ด๐.
We offer evening and weekend appointments, either by video or in person. We work around your schedule, so you donโt need to take the afternoon off and find a babysitter just so that we can meet.
๐ช๐ฒ ๐ธ๐ป๐ผ๐ ๐๐ต๐ฎ๐ ๐น๐ถ๐ณ๐ฒ ๐ฐ๐ฎ๐ป ๐ฏ๐ฒ ๐๐๐ฟ๐ฒ๐๐๐ณ๐๐น, ๐๐ผ ๐๐ฒ ๐บ๐ฎ๐ธ๐ฒ ๐๐ต๐ถ๐ป๐ด๐ ๐ฒ๐ฎ๐๐.
We remove the obstacles, rather than putting them in your way. Weโll deal with your financial providers directly, so you donโt have to. We also complete the paperwork on your behalf, so thereโs no needless form filling.
๐ช๐ฒ ๐ธ๐ป๐ผ๐ ๐๐ต๐ฎ๐ ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ฒ๐ ๐ฐ๐ฎ๐ป ๐ฏ๐ฒ ๐ฐ๐ผ๐บ๐ฝ๐น๐ถ๐ฐ๐ฎ๐๐ฒ๐ฑ, ๐๐ผ ๐๐ฒ ๐ธ๐ฒ๐ฒ๐ฝ ๐๐ต๐ถ๐ป๐ด๐ ๐๐ถ๐บ๐ฝ๐น๐ฒ.
We make the complicated things simple, by communicating in plain English, a language youโll understand. We take the time to explain the important things, rather than assume youโll know what we mean and avoid any confusing acronyms or jargon.
๐ช๐ฒ ๐ธ๐ป๐ผ๐ ๐๐ต๐ฎ๐ ๐๐ต๐ถ๐ ๐ถ๐ ๐ฎ ๐ฏ๐ถ๐ด ๐ฑ๐ฒ๐ฐ๐ถ๐๐ถ๐ผ๐ป, ๐๐ผ ๐๐ฒ'๐น๐น ๐ด๐ผ ๐ณ๐ถ๐ฟ๐๐.
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. Thereโs no cost or commitment, itโs just an opportunity to see if weโre right for you.
Where to find us
Head office address: Frazer James Financial Advisers, Square Works, 17โ18 Berkeley Square, Bristol, BS8 1HB
Preferred clients
Minimum wealth (income/assets)
ยฃ100,000
Minimum pension value
ยฃ100,000
Minimum mortgage value
ยฃ0
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.
