0330 038 8940
Based in Stornoway
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FCA Status: Pending
Checks for Frazer and/or the firm they work for (or are appointed representatives of) are currently pendingThis check is pending
Checks for Frazer and/or the firm they work for (or are appointed representatives of) are currently pending
18
Recent Client Reviews
Frazer has received 18 client reviews in the past 12 months; 100% of these have been verifiedVerified reviews: 100%
Frazer has received 18 client reviews in the past 12 months; 100% of these have been verified
Restricted Financial Adviser
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.Last checked: 21 May 2026
When choosing products or providers, restricted advisers have a limited selection which they can choose from. They may consider products from some, but not all, providers.
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About
Frazer brings over 36 years experience in providing financial advice within the financial services industry and holds a Diploma in Regulated Financial Planning. In response to the growing demand for his services, he established Highlands & Islands Financial Advice Ltd alongside his wife, Louise. Highlands & Islands Financial Advice Ltd is dedicated to helping clients achieve long-term financial security through expert guidance across all areas of financial planning. This includes protection, retirement planning, investments, and estate planning. The firm takes a highly personalised approach, carrying out thorough assessments of each client’s financial circumstances to deliver tailored, appropriate solutions. Our client base is diverse, supporting individuals at every stage of their financial journey - from those just beginning to plan their pensions and investments, through to clients approaching or enjoying retirement. At its core, the firm is committed to providing clear, professional, and trusted advice. Frazer believes that while strong technical knowledge is essential, the ability to truly listen and understand what matters most to clients whilst earning trust is what defines an exceptional adviser. As an Appointed Representative of M&G Advice (formerly Prudential), Highlands & Islands Financial Advice Ltd is authorised and regulated by the Financial Conduct Authority, ensuring clients receive secure, compliant, and reliable guidance. All recommendations are based on a carefully selected panel of products and funds, known as restricted advice. Highlands & Islands Financial Advice Ltd is proud to be a partner of M&G Advice.