Frazer James

Independent Financial Adviser  Frazer James Financial Advisers, Square Works, 17โ€“18 Berkeley Square, Bath, Somerset, BA1 2LP
First meeting at adviser's own cost
๐๐ž๐ง๐ฌ๐ข๐จ๐ง & ๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ ๐„๐ฑ๐ฉ๐ž๐ซ๐ญ๐ฌ. Top-rated independent financial adviser. Chartered & certified financial planners. Helping you make smart decisions with your money. Evening & weekend appointments available. Free initial consultation.
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
9.2/10
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FCA authorised
Last authorised 14th September 2020
Meet our advisers
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.ย 

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.

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
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.ย 

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

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.ย 

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 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 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 Manager

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.

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. Iโ€™m really happy with what Frazer James are doing for me and I would definitely recommend them to others."
D Dunderdale, Cambridge
"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."
D Ralph, 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. Itโ€™s been a pleasure to work with them and I would recommend them to others."
D Pinder, 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."
T Steel, London
"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 employerโ€™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."
G 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 weโ€™re really happy with. I would definitely recommend Frazer James to others."
B Wright, Essex
"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 canโ€™t put a price on that!"
S Waterman, Bristol
"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
"Iโ€™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.โ€
H Briffitt, London
About us

Frazer James was founded on the idea that ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐š๐๐ฏ๐ข๐œ๐ž ๐ง๐ž๐ž๐๐ž๐ ๐ฆ๐จ๐๐ž๐ซ๐ง๐ข๐ฌ๐ข๐ง๐ .

We believe that financial advice, delivered properly, is about helping clients discover and live their best lives. To do this, we created ๐— ๐—ผ๐—ป๐—ฒ๐˜†๐—ฃ๐—น๐—ฎ๐—ป, ๐—ฎ ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ป ๐—ฝ๐—ฟ๐—ผ๐—ฐ๐—ฒ๐˜€๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—ฎ๐—ฐ๐—ต๐—ถ๐—ฒ๐˜ƒ๐—ถ๐—ป๐—ด ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐˜€๐˜‚๐—ฐ๐—ฐ๐—ฒ๐˜€๐˜€ and living life on your own terms.

โ€ข Itโ€™s about making smarter decisions with your money, ensuring that itโ€™s working as hard as you are, so that you can enjoy today without worrying about the future.

โ€ข 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, youโ€™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 weโ€™re right for you, we keep things simple. We offer fixed flat fees, so you always know exactly what youโ€™re paying.

If for any reason youโ€™re not entirely satisfied, we offer a full money-back guarantee.

Our services

๐—ช๐—ฒ ๐—ธ๐—ป๐—ผ๐˜„ ๐˜๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜๐—ถ๐—บ๐—ฒ ๐—ถ๐˜€ ๐—น๐—ถ๐—บ๐—ถ๐˜๐—ฒ๐—ฑ, ๐˜€๐—ผ ๐˜„๐—ฒ ๐—ผ๐—ณ๐—ณ๐—ฒ๐—ฟ ๐—ณ๐—น๐—ฒ๐˜…๐—ถ๐—ฏ๐—น๐—ฒ ๐—บ๐—ฒ๐—ฒ๐˜๐—ถ๐—ป๐—ด๐˜€.
We offer evening and weekend appointments, either by video or in person. We work around your schedule, so you donโ€™t need to take the afternoon off and find a babysitter just so that we can meet.

๐—ช๐—ฒ ๐—ธ๐—ป๐—ผ๐˜„ ๐˜๐—ต๐—ฎ๐˜ ๐—น๐—ถ๐—ณ๐—ฒ ๐—ฐ๐—ฎ๐—ป ๐—ฏ๐—ฒ ๐˜€๐˜๐—ฟ๐—ฒ๐˜€๐˜€๐—ณ๐˜‚๐—น, ๐˜€๐—ผ ๐˜„๐—ฒ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐˜๐—ต๐—ถ๐—ป๐—ด๐˜€ ๐—ฒ๐—ฎ๐˜€๐˜†.
We remove the obstacles, rather than putting them in your way. Weโ€™ll deal with your financial providers directly, so you donโ€™t have to. We also complete the paperwork on your behalf, so thereโ€™s no needless form filling.

๐—ช๐—ฒ ๐—ธ๐—ป๐—ผ๐˜„ ๐˜๐—ต๐—ฎ๐˜ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ๐˜€ ๐—ฐ๐—ฎ๐—ป ๐—ฏ๐—ฒ ๐—ฐ๐—ผ๐—บ๐—ฝ๐—น๐—ถ๐—ฐ๐—ฎ๐˜๐—ฒ๐—ฑ, ๐˜€๐—ผ ๐˜„๐—ฒ ๐—ธ๐—ฒ๐—ฒ๐—ฝ ๐˜๐—ต๐—ถ๐—ป๐—ด๐˜€ ๐˜€๐—ถ๐—บ๐—ฝ๐—น๐—ฒ.
We make the complicated things simple, by communicating in plain English, a language youโ€™ll understand. We take the time to explain the important things, rather than assume youโ€™ll know what we mean and avoid any confusing jargon.

Where to find us
Head office address: Frazer James Financial Advisers, Square Works, 17โ€“18 Berkeley Square, Bristol, BS8 1HB
Preferred clients
Minimum wealth (income/assets)
ยฃ50,000
Minimum pension value
ยฃ0
Minimum mortgage value
ยฃ0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
  • icons
    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
9.2/10
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FCA authorised
Last authorised 14th September 2020

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