Our feedback

Expert financial planning that actually makes sense. The team recently updated my annual plan to account for a new property and provided a growth analysis that gave me total confidence in my long-term position. They are professional, proactive, and always looking for ways to add value through intelligent tax planning and smart investing. If you want to keep more of what you earn and stay on track, I can’t recommend them enough!

Great team, listen to what your aspirations are & advise on what to do to get there. They are extremely knowledgable, helpful & professional. We have been using them for 3 years now with no issues & would highly recommend them. They can talk to someone with any level of understanding & have given us nothing but good advice.

100% recommend this firm. Wish I had found them years ago. I was referred by a really good friend who I trust implicitly. Had my first meeting being a bit skeptical and embarrassed as my financial affairs were in disarray.

Met with James who was amazing, calm, thoughtful and non judgemental. That was months ago.

I now have a financial plan in place that is holding my husband and I accountable as we work towards our retirement. It has taken a huge burden off me as I have finally got things in one place and a plan that works.

Can’t recommend this firm enough. Big thanks to James , Chris and Clare ( and now Lewis !) for all their help in getting things in order. They also referred me to a company to help with my trust and will planning, again job excellently done!

James Mackay has given my wife and I all the confidence we need in respect of understanding our needs and providing expert financial advice and support. His firm is extremely efficient – thank you too Claire – and are absolutely to be recommended. They are always easy to contact and patient in explaining things. We feel totally comfortable that we are receiving professional and tailored advice from Frazer James.

After a few bad experiences with previous financial advisors i came across Frazer James. Thank goodness i did !! From the initial consultation i could clearly see that they understood me and more importantly they knew what improvements were needed to my portfolio to enable significantly improved investments and returns . I would have no hesitation in recommending Frazer James to friends, family and colleagues.

We were recommended Frazer James by another family member and we have been delighted by the service they provide in guiding us towards retirement. There advice has been clear and concise and targeted to reach our investment goals. They are always easy to contact and we feel totally comfortable that we are receiving tailored advice that will enable us to enjoy our retirement once it comes.

I would recommend the FJ to anyone.

Having recently finished working full time I approached Frazer James for financial advice and support for pensions, investments and inheritance tax planning. I am reasonably financially savvy but it was very comforting to have experts in my corner to ensure that I didn’t make any mistakes or miss a trick. Working with Frazer James gave me complete confidence in the process and decisions and I have continued with them to manage my investments.

I would certainly recommend Frazer James to anyone wanting financial planning advice or support.

Frazer James have been excellent throughout our dealings with them.They took the time to understand our goals, retirement ambitions and plans, whilst assisting us to navigate the financial landscape. The team is always on hand to answer questions, keeping things simple and clear.Without their expertise, we would not have achieved our retirement goals, which have come to fruition, as we are looking forward to a secure financial future as we retire in a couple of months. We highly recommend the whole team, you are in very good hands!

Prior to retiring i was able to transfer out one of my pensions for which i had received an excellent multiple.

I therefore needed to invest my pension funds and I started to look for a fixed price, Chartered Financial advisor. I came across Frazer James who had already established a good reputation and won industry awards.

I then spoke to James and Chris who impressed me with their knowledge and professionalism.

Apart from my transferred pension , they have taken an holistic view of both mine and my wife’s pensions and income. They have advised us based on our risk tolerance and our life and social expectations in retirement. Their application of analyses and projections have been very informative and have helped us to plan for a comfortable retirement.

We have fully analysed 6 monthly reviews and these give us more insight into how our investments are performing and any changes in our lifestyles that we need to incorporate.

We have been with Frazer James 2.5 years now and we are very happy with their advice and the performance of our funds.

James and Chris are very personable and get to know us as people.

I would unequivocally recommend the services of Frazer James.

After trying multiple companies to manage our pensions, my wife found Frazer James, we did a lot of research and after consultation and an awesome, simple to understand meeting we plunged in. Couldn’t have made a better choice. Pensions invested in the markets of our choosing, with guidance (we don’t know a lot about markets). Two year on and very pleased. I recommended to multiple friends who have had the same experiences. My advice, do your groundwork and due diligence and as we found out Frazer James came out on top.

We spoke to a number of local potential advisers before deciding to go with Frazer James. We are nowhere near Bristol so never thought we’d end up with an adviser we’d never met in person. However, after meeting James and having several professional and informative online meetings the virtual element was of no concern. Every step of our journey has been clear, seamless, and handled professionally. The only regret is not taking this step years ago. Thoroughly recommended.

Very impressed so far. James is an extremely pleasant guy to deal with and everything has been carried out quickly and efficiently.

I have had a very positive experience with all of the team at FJ. They are practical, responsive and generous with their time. I would certainly recommend them to others.

Had met James before but were with another advisor at the time. We moved to Frazer James around a year ago as I was unhappy with the performance of the Financial Advice company I was with and I was due to be made redundant at the end of 2023 and wanted some fresh retirement and financial planning advice.
James and his team walked me through the best financial products for my retirement fund and my redundancy cash. The 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.

As we approach retirement we have sought advice from Fraser James Financial Advisors. Over the last 2 years they have helped us shape an investment strategy to prepare us for this significant life transition.

The team at Fraser James is easy to deal with and very responsive, with a commitment to clarity and understanding our needs. Despite a challenging market environment they have taken us through a logical and compelling investment process. It was unfortunate that we invested at a particularly bad time, just before the usually-stable bonds market crashed. Although we are not prone to panic, the market experience has been somewhat unnerving and, of course, we would like to feel more certain that our overall portfolio will deliver the returns we need for a comfortable retirement. Throughout this period Fraser James has remained calm and, to the extent possible, reassuring. Underpinned by analysis and discussion, we are clear in our own minds that our ongoing approach to our investment strategy is the right one. Together with Fraser James, we will keep under review.

Overall, our experience with Fraser 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. We look forward to continuing our partnership with them as we navigate this exciting new chapter in our lives.

My wife and I have reasonable pensions and on retirement I received a lump sum which I invested in stocks and shares ISAs without professional advice during the bull market from approx 2014 to 2022 when pretty much everything kept going up and then the market turned and I realised how unable I was to make rational decisions and I cashed a large proportion of my investments.
So I began looking around for help and was really unsure who to choose but after contacting three IFAs without being inspired I came across Frazer James via Google.I found their web site not overly pretentious not too corporate and their principal staff James Mackay and Chris Hindle very capable, thoughtful and sympathetic to my situation.I didnt have a large fund to invest but they put a lot of effort into analysing my affairs and convincing me to invest in steady funds at my time of life. There service is not cheap and I have been with them for about a year and a half now and the funds they selected have gradually increased ,not dramatically so , but I am reassured that things are going in the right direction.
I would recommend Frazer James if you need an honest appraisal of your investment options.

Why we chose Frazer James
Being 58, although we been thinking about retirement, we hadn’t really done too much about it, my wife is just a little older than me and we’d been putting into our pensions but it wasn’t until that horrible experience when people close to us, around our age died. I know it’s a dreadful thing but it kicked us into thinking “life is no dress rehearsal” and we thought well even if we haven’t got much to live on let’s see what we can do and spend more time travelling (I think the pandemic brought the wish to travel to the forefront of our minds also).
I started with a few ideas, one you need financial advice, even if you are up to speed with finances, interest rates and stock markets unless you are full time I doubt you’ll know all the in’s and out’s of the pension world; plus as we learnt later there are some funds that only advisers can access.
Secondly I’d do my own research and felt contacting a national adviser (or indeed multinational) a regional adviser and a local one and ask them all the same seemed a sensible place to start. It soon transpired that the larger providers only wanted your contact details, how much you’d got saved and wanted to immediately “sell” to you – having spent 20 years in the commercial world that just wasn’t going to work for me. The local adviser although very friendly and personable just wasn’t up to speed, I don’t know much but after a couple of calls I genuinely felt I knew more than them – so again ruled them out as I needed help. This left the regional advisers so a fairly lengthy web search and I arrived at three. Out of these one started to stand out, they had won many regional pension investment awards and were keen to demonstrate all the memberships and guarantees available around their advice. However the other two seems pretty good to, then the decider happened the two other contenders “fell into the multi-national trap”. After a couple of calls they wanted to take our money and tell us what great returns they could get for us; We didn’t want that we wanted advice.
So it left Frazer James, their website gave so much free information and a simple but thought provoking spreadsheet to fill in about what we spend and where, this was the approach we wanted. We put together a “now” and a “we would like to have” scenarios. The two James’s from Frazer James took time to discuss these with us ensure that they were level headed, not missed out anything and really got into our wishes for the future. We did go into this with our eyes wide open so there were no Ferraris or yearlong world cruises included!
Then and only then did they get into our pension accounts, their idea of a draft, limited input proposal matches a full blown complete “this is what you’re getting” from other companies. Were we happy – very happy, they said straight away that from the information we could, if we wished, retire straight away and a fairly detailed plan of how that was going to be achieved. In honesty they didn’t have to ask for our business – they already had it, this was no selling an impossible dream this was matching our aspirations to our financial ability and showing us how it could work.
Needless to say we signed up with Frazer James their detailed advise and recommendations followed, it was easy to follow, very well explained and left us feeling so confident in our advisers – I have never before in my life let anyone so far into my personal situation and finances as with these two gentlemen but they made it easy and made us feel confident and secure.
I haven’t been asked to write this and I don’t do reviews on websites etc. but this is such an important part of life that really doesn’t get the attention it deserves and with so many scams, poor advice and some horror stories I feel compelled to recommend Frazer James wholeheartedly.

James and the team at FJ understood our needs very clearly from the beginning, particularly the respective advantages and disadvantages of a range of investment strategies. Everything was carefully explained and talked through and questions addressed, especially about balancing the short and long term and pensions. FJ also manage our adult sons’ investments, making us feel secure (as far as the market is ever secure) as a family. Highly recommended.

A massive thank you to Chris and the team. It is obvious we are in good hands.

Their financial knowledge is unparalleled and the support given is outstanding.

I would highly recommend to anyone looking to grow and maintain their wealth at any level.

Alastair and Louise

My wife and I have been clients of FJ for about 3 years now. They started by building a retirement financial plan for us, and are now managing our investments in accordance to that plan. The interaction with FJ is first class – responsive, respectful, understanding, pitched just right to ensure we understand sufficiently the inputs and outputs of our plan without overwhelming us with unnecessary details, whilst at the same time making sure its not too simplistic either. We have a plan thanks to FJ! Highly recommend.

Frazer James provide a first-rate service, and have provided excellent advice and financial planning to our family.

I’ve had excellent advice and a sense of reassurance over my future finances approaching retirement. Very good individual attention and fast and detailed support from the whole Frazer James team.

Delighted with the service provided by James and the team at Frazer James Financial Advisers. A thorough and professional analysis of our financial position was completed culminating in a detailed advice report with clear recommendations and an action plan.

The entire advice process from initial consultation to execution of recommendations was personable and very efficient – communication throughout was excellent.

I would have no hesitation in recommending Frazer James to others.

James, Chris and the team at Frazer James have provided a first class service from the initial contact right through to setting up all the accounts and systems. Everything is clearly set out, communicated and explained (and explained again if you want it). I was always nervous about approaching a financial advisor and whether they would have my best interests at heart. FJ don’t try and upsell or suggest you change anything unnecessarily and they make sure you are completely happy before you do anything. I’m keen to see how it all pans out over the coming years, but the initial stages have been very positive.

Just had a useful half hour chat with James. I will always take my hats off to anyone who tells you that you don’t need their business. James answered my questions, told me that I was on the right track financially, and said to get in touch if my situation changed but that I otherwise didn’t require his services. There’s a lot of integrity in that, something sadly lacking elsewhere in the industry.

Really brilliant experience. While searching around online for guidance on restricted stock units (as a tech employee), I came across their helpful blog post that seemed to be exactly what I was looking for. I decided to give them a call for an initial consultation and received extremely helpful and honest advice. Thank you!

Had an excellent conversation with James about my financial situation and future planning. James was very knowledgeable and knew exactly the outcome I was looking for and how to achieve it. Whilst I would have loved to work with James, as many others have said, I really admire his integrity and honesty to say that he couldn’t offer me value for money because I didn’t require a complex solution to achieve my goals but provided me with details of someone he felt could better help. Wouldn’t hesitate to recommend this company.

I had a ”˜masterclass’ on my pension with James. This is a free service and James was excellent.

I found the information shared hugely informative with no pressure to complete follow up (fee) sessions.

Highly recommended

Called up for some simple advice and was blown away by the honest, accurate, helpful information I was given. I can’t remember the last time I was WOWED by Customer Service of this nature without being sold something I didn’t need or sucked into a contract I didn’t want. And for something as mind-blowing as Pensions! Faith renewed. Thank you.

Had a very informative introductory call with James and found him highly knowledgeable and transparent in terms of fees and offering of the company. Although my specific circumstances didn’t fit, I would recommend this company to friends seeking a reputable advisor regarding UK retirement planning.

We weren’t sure what to expect from a one-hour initial consultation, but James Whittington exceeded our expectations – both in the way he responded to our particular situation and in the level of the advice he gave us. He was generous with his time and very easy to talk to, and we have no hesitation in recommending Frazer James to anyone looking to review their financial situation.

Excellent financial advice by Frazer James!

Honest, fully transparent and very well knowledgeable.

Highly reccommended.

Had a consultation this morning with James. It was a truly enlightening experience. James was knowledgeable and listened carefully to my questions and queries. He was able to answer all my questions and shared with me graphs (on Screen) that spoke a thousand words and put everything in to perspective for me. He certainly put my mind at ease. Very Very professional, I will continue to use Frazer James and will be recommending Frazer James to family, friends and loved ones. Once again thank you very much James and Frazer James.

Great people/client skills. Have had a question and were able to provide enough information for what I needed. Moreover, the adviser was willing to firstly find a bit about my “issue” and provided free information. And all through chat. Definitely recommend if you in more depth issues/questions. Seems they know what they’re talking about and very friendly.

What a fantastic team at Frazier James. They really helped in my retirement plan, explained everything with clarity and at a level that made me feel comfortable, I would highly recommend..

No hesitation in recommending Frazer James. Solid advice, very responsive, we felt nothing was too much trouble. All good.

outstanding advice and service from Chris, learnt a lot very quickly which will really help my financial situation going forward

Very helpful, James took his time to explain everything in detail.

Very helpful gentleman, pension and taxes are a foreign language to me and he was polite and concise so I could understand my tax implications if I cash in a small pension I have. I would thoroughly recommend this firm to others in my position.

The service we have received from Frazer James has been faultless. Not once in the procedure has there been any issues. They have explained in layman’s terms what will happen step by step. Any query we had was answered, with an immediate acknowledgement and the answer to the query following swiftly. We highly recommend them.

Excellent all round service, helping us to have the confidence to push ahead with an early retirement.

Chris has kept us updated throughout each process and has come back to us promptly when we have asked any questions.

Our dealing with James in our face to face meetings has been a pleasure.

He’s been frank and honest. Provides amazing monthly blog content and truly helps. Not just there to make money off you at all.

Stand up guy.

This company is the only company that understands how Restricted Stock Unit taxing works in UK. Even HMRC and National Insurance Help lines did not know the details that these guys helped me with. 100% recommended! Super Professional, Helpful with clear communication!

Really enjoyed the initial consultation with James, there was no hard sell – just transparency and professionalism which has given me some direction around my next steps towards financial independence. Thank you for your time and advice. For anyone on the fence about booking an initial consultation – it’s worth your time.

I wanted to understand whether our pension plans were sufficient and what the implications would be of working part time to strike a better work/life balance now. James took time to understand our bigger goals and aspirations; he was careful to play back his understanding and to give us options to think through together. I feel so much more reassured and better able to make decisions about our finances now. Frazer James were responsive and active on our behalf, but also worked around our timetable. A really positive experience.

A very thorough pension advice service. Both James F and James W are very personable and good to work with. I feel much more confident about my future finances now

Friendly, professional service. Brilliant with answering any questions I had and never felt embarassed to ask! Would definitely recommend.

His answers to my questions were very precise and quick. He was very helpful

The transition to Frazer James was straightforward: kept updated at all stages.
A professional team in all aspects: welcoming + always available to answer any queries.
I wish you every success for the future.

Having found Frazer James through a Google search related to a tax topic, when on chat with James, he was super helpful, even though the topic being discussed, he finally advised me that I need to work with an accountant and that’s after taking the time to help me understand a few things. A very helpful chat.

Very professional and helpful. Even though it became clear early in the phone call that they wouldn’t be in a position to help with my particular set of circumstances, James Whittington continued to take an interest and gave me some useful general information in a very friendly yet professional manner.

James has been incredibly helpful at helping me sorting my financial situation. He helped me with all the questions I could think of and provided professional and honest financial advice.