Frazer James

Independent Financial Adviser  Frazer James Financial Advisers, Square Works, 17–18 Berkeley Square, Bristol, BS8 1HB
First meeting at adviser's own cost
Pension & investment experts based in Bristol. Independent Financial Adviser of the Year, South West. Chartered IFA & Certified Financial Planner based in bristol. Helping clients achieve financial security & clarity. Free Consultation Available.
We can advise you on
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Annuity purchase
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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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Socially responsible investments
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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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Critical illness
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Healthcare
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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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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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Corporate pension
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Employee benefits
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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 risk
Response rating
9.0/10
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FCA authorised
Last authorised 29th March 2021
Meet our advisers
Mr James Mackay
Financial Adviser & Managing Director

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

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.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

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.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

Accreditations
Certified Financial Planner
Mr Chris Hindle
Technical Adviser & Operations Director

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of an ability to analyse financial protection planning issues.

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.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

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

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.

This qualification assesses a knowledge and understanding of the mortgage process and the principles of equity release.

ACSI membership of the CISI, and denotes commitment to professionalism. It is awarded to those with a suitable combination of qualifications and experience.

Accreditations
Chartered Financial Planner
Karen Malin
Compliance Support

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.

Mr James Whittington
Client Associate

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.

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
"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
"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’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
"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 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
"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
"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’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
"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
"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
Cannot fault them! They provide a fantastic service at an affordable price. Their advice is sound and easy to understand. Definitely recommend to others.
Dean Pinder, Bristol
"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
"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
About us

Frazer James was founded on the idea that financial advice needed fixing, making it more affordable & more accessible. Financial advice, delivered properly, is about helping clients discover & live their best lives.

That’s why we created MoneyPlan, a proven process for achieving financial success & living life on your own terms, making your money work harder.

MoneyPlan helps you to achieve financial independence, provides financial peace of mind & creates financial security. It helps you answer the big questions such as when can I stop working and how much can I spend in retirement?

With Frazer James, you’re in safe hands. We are a team of Certified Financial Planners & Chartered IFAs, an award held by less than 2% of UK advisers.

Our personalised service is tailored to your financial needs, we work alongside you to help you make smarter decisions with all aspects of your money. We act as a sounding board, for your biggest financial questions & issues, providing you with independent & impartial advice.

We keep things simple and transparent, we offer fixed flat fees & if for any reason you’re not entirely satisfied, we offer a full money-back guarantee.

Our services

We know that your time is limited, so we offer flexible meetings.

We offer evening and weekend appointments, either by video, telephone or in person. We work around your schedule, so you don’t need to take the afternoon off or rearrange your schedule.

We know that life can be stressful, so we make things easy

We remove the obstacles, rather than putting them in your way. We 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 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
Head office address: Frazer James Financial Advisers, Square Works, 17–18 Berkeley Square, Bristol, BS8 1HB
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
  • phoneButton
    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.

Response rating
9.0/10
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FCA authorised
Last authorised 29th March 2021

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