Scaling up, or ready to sell? Whatever stage your business is at, our expertise will guide you every step of the way.
Your personal finance director.
As fellow business owners, we empathise with the pressures and demands you face. Running a cash-rich business while feeling time-poor is a challenge we intimately understand.
Managing one’s finances is complex, and mistakes can be costly. At Frazer James, we are dedicated to partnering with you on your journey, helping transform your business successes into personal wealth.
Building trust is a gradual process, and we are committed to investing the necessary time for the long term. With unwavering integrity, we prioritize your needs above all else, maintaining the highest standards in our operations. We firmly believe that fostering strong relationships is key to achieving robust financial outcomes
How can we help?
- “Your Number” – Measure how much money you’d need from your business, via sale or saving profits, to achieve financial independence.
- Profit Extraction – Determine the optimal method to allocate your hard-earned profits, ensuring appropriate compensation for yourself while saving for the future.
- Tax Planning – Analyse strategies to reduce corporation and income taxes, and explore pension planning opportunities tailored for company owners
- Investment Strategy – Guidance on how to allocate and grow business profits. Evaluate investment opportunities, navigate important decisions and help manage your portfolio.
- Retirement Roadmapâ¢ – Build a comprehensive financial plan that provides a clear and actionable path toward achieving your desired financial goals.
- Protect what matters – Consider life insurance and business protection to ensure you, your business, and most importantly, your family, are taken care of in worse-case scenarios.
How we do it.
1. Getting to know you
Until we understand you, your business, and your goals, we have no right in advising you. So this is step one, and itâs vital.
We want to explore where you want to be in 3, 5 â¦ even 10 years. Weâll discover how you view money and weâll find out how risk sensitive you are.
We also get under the bonnet of your current finances and run a âFinancial Health Checkâ to highlight how your investments are doing and where improvements could be made.
2. Building your financial plan
We will bring your financial future to life. With the use of charts and graphs, we will show you whether you’re on the right track.
Together weâll find out whether youâre on track to achieve your financial goals.
Weâll then show you the impact of different decisions you make today and how they will improve your future position.
3. Putting your plan into action
Weâll produce a Financial Action Plan that lays out each and every recommendation.
Then weâll implement each change with you, whether this is consolidating your pensions, setting up a new investment or updating your insurance.
4. Keeping you on track
Our Forward Planning service is the most important aspect of working together.
We regularly monitor your finances to track progress and assist in navigating the inevitable changes that accompany running a business.
Weâre always available to guide and support you, ensuring you stay on the right path and avoid costly mistakes.