Meet Barry and Fiona

What led you to seek financial advice, and what were your expectations based on past experiences?

We’ve been running a limited company since 2019 which, fortunately, has been doing quite well for itself, and is very profitable. What this meant, though, was that we had a surplus of cash sitting in a business current account earning us absolutely nothing, and being eaten away by inflation. We had absolutely no experience with financial advisors, because we’d previously been too broke to need it!

How did you feel about your financial situation before contacting Frazer James?

Every month, the numbers in the current account kept climbing and climbing, and my panic levels were rising with it. We were banking with a relatively new challenger bank, and with seven figures sitting there, not only were we losing money through inflation, but we were really living dangerously. While we were obviously delighted with the income, we were starting to lose sleep over all the things that could go wrong if we didn’t do something with it. We did set up a couple of savings accounts which spread the risk, but we still felt we were just working to protect the money we had, not doing anything to put it to work for us.

Why did you decide to work with Frazer James instead of another adviser?

As we had no experience of working with anyone, we turned to Google. I think what appealed most about Frazer James and made it stand out from many of the others we spoke to was that there was no hard sell on the website – the tone was quite relaxed and friendly while also getting across that they knew what they were talking about. They also weren’t asking for any long-term contract commitment, instead relying on customer satisfaction to keep clients using their service, which sounded great.

From there, we arranged a call, and that really helped dispel any doubts, as James paid close attention to our situation, asked lots of questions, explained what they could offer very clearly, and then let us go and discuss things ourselves before making a decision. We got on very weill with James on the call, and at no point did we feel pressured into anything. Quite the opposite – he wanted to make sure we were going to be a good fit as much as we did, I think.

How would you describe your overall experience working with Frazer James?

It’s been great, and I’ve already recommended Frazer James to friends in similar situations to the one we were in. James and the team have been completely on the ball with everything, from dealing directly with our accountants to helping maximise our tax savings. When there was a minor problem with a direct debit—not Frazer James’s fault—they immediately stepped in and resolved it for us, keeping us updated every step of the way. 

What positive changes have you experienced as a result of working with Frazer James?

We sleep better now! We’re no longer worried about all our money vanishing on us overnight. We were also able to get a clear picture of our future financial position across a range of different scenarios, which has allowed us to ease off a little on the work front, giving us more downtime, knowing that we’re probably going to be OK. The growth in our first year with Frazer James was astonishing, and while we don’t for one second expect future years to be as impressive, it helped give our portfolio a fantastic kickstart.