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Our Fees
Straightforward. Transparent. Reasonable.
We Charge Less
(And Deliver More)
Most financial advisers charge too much, bury their fees in small print, and make it hard to understand what you’re really paying for.
We believe financial advice should be simple, transparent, and priced in a way that makes sense—so you know exactly what you’re getting, what it costs, and why it’s worth it.
That’s why we charge nothing upfront. No planning fees. No set-up costs. No commissions. Just expert advice, paid only when it starts making a real difference.
Our only fee is a monthly investment charge—competitive, easy to understand, and aligned with your long-term success. No sales. No surprises. Just clarity, confidence, and a financial plan that works.
What You Get
When you partner with us, you’re not just investing money. You’re gaining a dedicated team of experts with one clear mission: helping you make smarter decisions, build lasting wealth, and feel in control of your financial future.
We’re here to be your long-term thinking partner—bringing the clarity, experience and support you need to make confident choices with your money.
Together, we help you:
- Work out how much you need to fund the life you want—now and in the years ahead
- Make your pensions, ISAs and investments work harder, smarter and more efficiently
- Stay on top of your finances without having to manage it all yourself
- Maximise every pound through smarter, joined-up tax planning
Don’t take our word for it:
According to Royal London, advised clients build £47,000 more in assets, while Vanguard finds that financial advice adds around 3% per year in net value.
Our Fees—and How They Compare
Initial
Plan
Frazer James: 0%
Typical Adviser: 2%
Account
Set-Up
Frazer James: 0%
Typical Adviser: 1%
Ongoing
Advice
Frazer James: up to 0.90% p/a
Typical Adviser: up to 1.25% p/a
Why It’s Worth It
Our focus is on delivering lasting value, not bloated fees.
We’re not here to sell you products or push investments you don’t need. We’re here to help you live a richer, more secure life. That means:
- Saving you time and money by structuring your finances in the most efficient way possible—so more of your money stays in your pocket, not lost to tax or fees.
- Helping you make confident decisions at every stage—whether you’re preparing for retirement, selling a business or simply wanting to make smarter use of your wealth.
- Managing the details for you—across pensions, ISAs, investments, cashflow, and tax—so you’re not left juggling multiple logins, statements or unanswered questions.
And when we say we’re independent, we mean it. We don’t take commissions. We don’t have preferred products. Our only incentive is to help you succeed.
Don't Take Our Words For It
Hear directly from our clients about how expert financial advice has transformed their lives. Whether it’s navigating retirement planning, building long-term investments, or managing wealth, these stories highlight the confidence, clarity, and control our services bring.
Watch the video to see how our tailored approach has helped people just like you achieve their financial goals and secure a brighter future.
Frazer James was founded on a simple belief: financial advice should be clear, fair and built around you. We’ve removed the upfront costs, stripped out the small print, and kept our fees simple, transparent and good value. No sales pressure. No commissions. Just expert advice focused on your goals.
Book your initial consultation.
Secure your financial future today with Frazer James. Begin by sharing a brief overview of your financial situation. This insight ensures that you are matched with the best financial adviser for your needs. Complete the questions, and instantly access your chosen adviser's calendar to schedule your initial consultation effortlessly.
How We Work
1. Getting To Know You
Before offering any advice, we take the time to truly understand you, your goals, and your unique circumstances. This is the foundation of everything we do.
We’ll explore what matters most to you, uncover your priorities, and understand how you approach risk. Along the way, we’ll conduct a “Financial Health Check” to assess your current situation, identify opportunities for improvement, and highlight what’s working well.
2. Creating Your Plan
Next, we bring your goals to life with a clear, actionable plan. Using visuals like charts and graphs, we’ll map out your financial journey, showing you exactly where you stand and how your decisions today can shape a better tomorrow.
Every step of the plan is tailored to your needs, ensuring you’re on track to achieve your goals with clarity and confidence.
3. Putting Your Plan Into Action
Once your plan is finalised, we’ll guide you through its implementation. Whether it’s consolidating pensions, setting up new investments, or updating your insurance, we’ll make sure each action is handled efficiently and effectively.
You can trust us to manage the details while keeping you informed and in control.
4. Keeping You On Track
Financial planning doesn’t stop once the plan is in place—it evolves as your life does. Our ongoing Forward Planning service ensures your finances stay aligned with your goals, even as circumstances change.
We’ll regularly review your progress, adjust the plan when needed, and help you navigate challenges, so you can avoid costly mistakes and remain on the right path.
Frequently Asked Questions About Financial Adviser Fees
Do you charge for the initial meeting?
No. The first meeting is completely free. It’s a chance to get to know each other and see if we’re a good fit—no pressure, no obligation.
Do you charge upfront fees for advice or planning?
No. We don’t charge for financial planning, strategy or setup. Unlike many advisers who charge 1–2% upfront, our initial advice and implementation fees are £0.
So how do you get paid?
Our only fee is an ongoing advice and investment management charge. This covers all financial planning, strategic reviews, investment oversight, tax planning and ongoing support. This fee is deducted from your investments. We don’t receive commissions or kickbacks from product providers.
How much is the ongoing fee?
We charge up to 0.90% per year, depending on the value and complexity of your investments. There’s a minimum fee of £3,000 per year.
What do I get for the ongoing fee?
You get a complete, joined-up service: proactive financial planning, retirement modelling, tax optimisation, portfolio management, behavioural coaching, and full admin support. We’re your financial thinking partner, not just an investment manager.
Are there any hidden fees or extra charges?
No. Everything is clearly explained upfront. You won’t get hit with surprise charges, add-ons or commissions. Any third-party costs (like investment platform or fund charges) are fully disclosed.
What if my portfolio grows—will the fee go up?
Our fees are tiered. As your portfolio grows, the percentage you pay may reduce.
Can I stop paying if I’m not happy?
Yes. There’s no lock-in or long-term contract. You can leave at any time. But most clients stay for the long haul—because they see the results and value our advice.
Do you offer one-off advice for a fixed fee?
Our focus is on long-term partnerships, where we can add the most value over time. We don’t offer one-off advice as a standalone service.
GET IN TOUCH
Schedule an initial consultation with one of our financial advisers, or give us call.
0117 990 2602