Roger Fraser is an Independent Financial Adviser (IFA), based in Huntly, Aberdeen. He has a wealth of experience and knowledge having worked in the Financial Services industry for over 30 years. Deciding how best to invest your money can be daunting. With so many options available and so many uncertainties, how do you choose what's right for you? Our job is to eliminate as much of that uncertainly as possible and to work with you to identify the most appropriate way for you to achieve your financial goals.
Personal Financial Planning: We can discuss what you want to do with your life and then help fit a financial plan around this. Retirement Planning: Let us advise you on building up capital to be converted into income in later life to help with your retirement. Business Advice: We're experienced in advising on company pension schemes and other employee benefits.
Roger Fraser T/A Roger G Fraser Financial Services is an appointed representative of Sanlam Partnerships Limited which is authorised and regulated by The Financial Conduct Authority.
Personal Financial Planning: We can discuss what you want to do with your life and then help fit a financial plan around this. Retirement Planning: Let us advise you on building up capital to be converted into income in later life to help with your retirement. Business Advice: We're experienced in advising on company pension schemes and other employee benefits.
Roger Fraser T/A Roger G Fraser Financial Services is an appointed representative of Sanlam Partnerships Limited which is authorised and regulated by The Financial Conduct Authority.
Services
We're here to help you choose the right way to invest your money in order to help you meet your objectives.
In this section we've covered the most common types of investments.
Speak to us to discuss your situation further.
The Pension market is forever changing and highly complex, so we've explained the most common pension policies.
For advice on your specific circumstances please contact us.
The value of your pension can fall as well as rise and you may not get back the original amount invested.
In this section we've covered the most common types of investments.
Speak to us to discuss your situation further.
The Pension market is forever changing and highly complex, so we've explained the most common pension policies.
For advice on your specific circumstances please contact us.
The value of your pension can fall as well as rise and you may not get back the original amount invested.
Treating customers fairly (TCF) is central to the delivery of The Financial Conduct Authority (FCA) retail regulatory agenda, which aims to ensure an efficient and effective market and thereby help consumers achieve a fair deal.
Firms must be able to demonstrate that they are consistently delivering fair outcomes to consumers and that senior management are taking responsibility for ensuring that the firm and staff at all levels deliver the consumer outcomes relevant to their business through establishing an appropriate culture.
Firms must be able to demonstrate that they are consistently delivering fair outcomes to consumers and that senior management are taking responsibility for ensuring that the firm and staff at all levels deliver the consumer outcomes relevant to their business through establishing an appropriate culture.
Deciding how best to invest your money can be daunting.
With so many options available and so many uncertainties, how do you choose what's right for you?
Our job is to eliminate as much of that uncertainly as possible and to work with you to identify the most appropriate way for you to achieve your financial goals.
Our Investment Process is designed with that in mind.
It creates a framework for us to discuss your needs and expectations, to assess and agree your attitude to risk and then to build and manage an investment portfolio to match.
With so many options available and so many uncertainties, how do you choose what's right for you?
Our job is to eliminate as much of that uncertainly as possible and to work with you to identify the most appropriate way for you to achieve your financial goals.
Our Investment Process is designed with that in mind.
It creates a framework for us to discuss your needs and expectations, to assess and agree your attitude to risk and then to build and manage an investment portfolio to match.
The logical starting point of the investment process is for us to get to know you.
Our fact find will be wide-ranging to ensure that our subsequent advice is soundly based.
As well as taking account of your personal and financial circumstances, it will cover your broader attitudes and values, and the level of experience and knowledge you have about investing and its associated risks.
Having established your goals, the results you expect and the timescales involved, we can begin to consider issues such as access to your money and the level of flexibility required in the investment selection.
Our fact find will be wide-ranging to ensure that our subsequent advice is soundly based.
As well as taking account of your personal and financial circumstances, it will cover your broader attitudes and values, and the level of experience and knowledge you have about investing and its associated risks.
Having established your goals, the results you expect and the timescales involved, we can begin to consider issues such as access to your money and the level of flexibility required in the investment selection.
A tax wrapper is a financial product, such as a Pension or New Individual Savings Accounts (NISA), within which your investments can be held and which usually has certain tax benefits.
Once we have established your financial goals we can begin to determine the most appropriate tax wrapper(s) to meet your needs.
As well as Pensions, NISAs and Investment Bonds, the options and combinations for consideration may include National Savings & Investments products, Friendly Society Plans, Structured Products and for sophisticated investors higher risk investments such as Venture Capital Trusts (VCT) Enterprise Investment Schemes (EIS), depending on your circumstances.
Once we have established your financial goals we can begin to determine the most appropriate tax wrapper(s) to meet your needs.
As well as Pensions, NISAs and Investment Bonds, the options and combinations for consideration may include National Savings & Investments products, Friendly Society Plans, Structured Products and for sophisticated investors higher risk investments such as Venture Capital Trusts (VCT) Enterprise Investment Schemes (EIS), depending on your circumstances.
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