James Mackay

Certified Financial Planner helping professionals, couples and business owners reduce tax, grow wealth and retire with confidence—through jargon-free advice that brings clarity, structure and long-term financial peace of mind. I founded Frazer James in 2019 to offer something different—financial advice that’s clear, independent and genuinely centred on what matters to clients. I wanted to remove the jargon, the pressure, and the eye-watering costs I saw elsewhere, and replace them with calm, structured guidance focused on long-term results. Since then, I’ve worked with professionals, couples and business owners across the UK to help them plan with purpose, invest with clarity and live with intention. Whether you're preparing for retirement, managing surplus income or planning a business exit, I provide the structure, strategy and oversight to help you make smart decisions and achieve financial freedom. With over a decade of experience and the Certified Financial Planner™ designation, I deliver advice that’s technically rigorous and easy to understand. My focus is on helping you keep more of what you earn through intelligent tax planning, grow your wealth through smart investing and stay on track with a clear, long-term plan. I started my career at one of the UK’s largest financial advice firms, advising high-net-worth clients on pensions, investment and tax strategy. That experience shaped my belief that financial advice should be more personal, more transparent, and built around lasting relationships—not transactions. Clients often tell me they feel calmer, clearer and more confident about the future after working together. That’s what good advice should do. Based in Bristol, I work with clients nationwide in person or via secure video and phone calls. All meetings are confidential, encrypted, and recordings are available on request. Tel: 01179 902 602 Email: james@frazerjames.co.uk