Planning your retirement.

Thinking about retirement? Unsure of your options? We give you clarity & confidence about your future.

Are you on track for the retirement you want?

Planning for retirement is a journey that is unique to each person. At its core is a seemingly simple question: ‘How much do I need for a comfortable retirement?’ From this derives more nuance and perspective. What is a comfortable retirement? When do you want to retire? How much will you spend in retirement? Do you plan to leave a legacy?

This is where a specialist retirement planner can help. It’s about more than how much you should save each month, it’s about creating a plan that aligns your financial resources with your goals and requirements. Our dedicated team is adept at crafting bespoke retirement plans, helping you plan with clarity and transition with confidence.

Choosing Frazer James goes beyond simply selecting a retirement adviser. It’s about partnering with a team of financial professionals who are deeply committed to helping you achieve and maintain your retirement goals.

A comfortable, enjoyable retirement is your reward for a successful career. Yet it won't happen by itself. At Frazer James, we help you understand where you are today, where you want to be, and then create a plan to get you there.

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How we can help.

We’ve helped hundreds of people just like you. Here’s how we do it.

Retirement Roadmap – Build your financial plan to show you a clear path to achieve your financial goals, identifying options and opportunities along the way.
Retirement Timeline – Based on your current trajectory, we’ll highlight when you could realistically retire without the risk of running out of money in the future. This is sometimes sooner than you think!
“Your Number” – Measure how much money you need in savings, investments and pensions to achieve financial independence and the retirement you want.
Pension Optimisation – We get under the bonnet of your pensions to determine what improvements can be made. Should you consolidate? Can you draw down income in the future? Are the charges too expensive?
Tax-Efficient Retirement: Exploring avenues for tax-efficient withdrawal strategies and estate planning.

How we do it.

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1. Retirement Scenario Analysis

We conduct a detailed analysis of your current financial standing versus your retirement objectives. This involves exploring various retirement scenarios and understanding their implications on your lifestyle and financial security.

2. Create Retirement Strategy

We develop a retirement plan tailored to your specific needs. This includes strategies for income generation, tax efficiency, and wealth preservation, ensuring a comfortable and worry-free retirement.

3. Implement Retirement Advice

Implementing the retirement plan is a critical step. We take care of everything from adjusting your investment portfolio to setting up efficient withdrawal strategies, all while ensuring tax optimization and compliance.

4. Ongoing Planning and Advice

Retirement planning is an ongoing process. We regularly review your financial situation, adapt to any changes in your life circumstances, and make necessary adjustments to the plan. This dynamic approach ensures that your retirement remains secure and enjoyable.

Our experience with Frazer James has been positive. Their clear communication, responsiveness, and logical investment process have enabled us to lay what we believe to be a solid foundation for our retirement plans.

Charlotte Marshall – Retired

We received a faultless service. They explained the process in layman's terms and immediately acknowledged any query, the answer following swiftly. We highly recommend them.

Ed Caine – Retired

Having spent a career in finance, including pensions, I thought I knew what I was doing! But as I reached my 55th birthday I wanted to stop working but couldn’t figure out how it was possible, plus the pressure of self managing our pensions was becoming a burden. James and Chris have taken the worry, the complexity and the sleepless nights away and enabled us to retire with confidence and focus on more important things. We cannot thank James and the Frazer James team and their excellent service highly enough.

John Power – Retired

We have been delighted by the personal attention received by Frazer James and their promptness in responding to any queries. Their communication skills and commitment to their clients are first-rate. They always look to ensure good outcomes for investments and to explain their strategy to clients clearly and with a commitment to maximise gains. Their expertise, professionalism, and personal commitment to their clients are better than those we have encountered elsewhere.

John Ward – Retired

Excellent all round service, helping us to have the confidence to push ahead with an early retirement. Always keeping us updated promptly when we have asked. Meetings have been a pleasure.

Mark & Pip Owen – Retired

Frazer James' advice was first class and communications have been easy and straightforward. The portal is a really useful tool and the improvement in my funds performance has been significant. I can thoroughly recommend Frazer James for your financial planning advice. They are professional, friendly and very easy to deal with.

Martin Haffenden – Retired

5 stars based on 107 reviews

Schedule Retirement Strategy Session

The next step couldn’t be simpler. From the calendar below, choose a date and time that work best for you. You'll receive an email confirming your appointment and providing a meeting link for the consultation.

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RETIREMENT STRATEGY SESSION

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