Fraser Hunt
Chartered Financial Planner APFS, CeMAP in Mumbles
A little bit about Fraser
My name is Fraser. I'm a Chartered Financial Planner with over 12 years of experience in financial services. I'm based in Mumbles, Swansea, and provide advice to clients both locally and across the UK. I hold the Chartered Financial Planner designation, which is widely regarded as the ‘gold standard’ qualification in the financial advice profession. Whether simple or complex, at any stage of life, I’m here to help individuals and businesses with their financial planning needs.
Start the conversation
Speak to me if you’re interested in preparing for tax year end, or just want advice on making your money go further.
Contact me today
Tackle tax year end with confidence
Tax rules can seem pretty impenetrable. With the new Budget, and so many different allowances and regulations to keep up with, it’s no wonder millions of us end up accidentally missing opportunities - equating to millions of pounds a year.1
In this case, ignorance really isn’t bliss. And by confidently preparing for tax year end, you can be sure you’re getting all the money you’re entitled to - whether that’s by saving as much as you can tax-efficiently or just using your allowances to their full extent.
I can go through your financial position with you, so you’re ready for tax year end on 5 April. Did you know, for instance, that only 1 in 7 savers fully use their ISA?2 Or that you could be one of the 2m couples3 who aren’t making the most of their marriage allowance?
Together we can make this tax year end something to celebrate, rather than pass by. Get in touch for your tax year end review, or a cashflow modelling session to understand your financial position better.
For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and Shares ISAs invest in corporate bonds, stocks and shares and other assets that fluctuate in value.
2 Source: https://ifamagazine.com/just-one-in-seven-brits-use-their-full-isa-allowance-survey-shows/
3 Source: https://moneyweek.com/personal-finance/605717/marriage-tax-allowance
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 17 December 2024.
Business Services & Protection
Commercial mortgages/remortgages, workplace pension and employee benefits. Commercial mortgages are by referral only.
Holistic planning
Establishing and reviewing trusts, complete personal risk management planning, short- and long-term savings and investments.
Income Protection
Permanent health insurance to provide a regular income should you be unable to work due to illness or injury.
Investments
Wealth management advice to make your money work as hard as it can for you, including making the most of any tax breaks available.
Pensions
Expert advice to help provide comfort in your retirement.
Protection
Whole of life and term assurance protection, private medical arrangements, critical illness insurance.
Dental & Medical
Financial planning for dental and medical professionals, in-depth knowledge of NHS pensions and needs of hospital doctors, GPs, dentists and locums.
Diploma in Regulated Financial Planning
- The Level 4 Diploma in Regulated Financial Planning from the Chartered Insurance Institute develops core technical and initial financial planning understanding.
Advanced Diploma in Financial Planning
- The Level 6 Advanced Diploma in Financial Planning builds on existing skills and knowledge, enabling advisers to develop specialist planning capabilities and offer a sophisticated and comprehensive approach to financial management.
Chartered Financial Planner
- 'Chartered' is the most respected indicator of professionalism. Attaining Chartered status is challenging and takes commitment. Not only does the adviser complete the Advanced Diploma course, 5 years of industry experience is also required before the status can be awarded.
Certificate in Long-Term Care & Later Life Planning
- CertLTCP is a specialised qualification covering the UK long-term care planning environment, including the responsibilities of the NHS and local authorities, long term care insurance and the financial assistance options available.
Testimonial 1
Appointment arranged really quickly and at a time convenient to me. Advice given made complete sense and was specific to my queries. Would not hesitate to recommend Fraser.
Testimonial 2
Fraser provided very excellent financial advice that was very clear and suitable exactly to my requirements. I will be staying in touch with Fraser in regards to any further financial advice I may require. Excellent service and a very nice chap. Thank you Fraser!
Testimonial 3
I recently took financial planning advice from Fraser regarding my investments. He is professional, friendly, knowledgeable and extremely thorough, clearly explaining what is best for me. He’s also halved my investment costs. I would fully recommend him, the best advice and detailed follow ups I’ve ever had. Nice guy too.
Testimonial 4
Fraser had taken the time to look at the information I sent to him prior to our appointment. He was very knowledgeable and experienced in his field. He considered all aspects of my options and conveyed them extremely well to me. I felt much more enlightened and in particular happier than before I sought his advice when I had previously thought my future options weren't great. Thank you for your excellent advice Fraser and for 'leaving the door well open' should we want to see further advice through your form.
How I Can Help You
As a Chartered Financial Planner, my aim is to provide you with practical and tailored financial advice to help you achieve your goals.
Here’s how I can assist you:
- Personalised Financial Planning
I work with you to understand your financial situation and goals. Together, we’ll develop a plan that aligns with your life and financial objectives. - Investments
I can advise on and recommend high-quality investment portfolios that suit your risk tolerance and financial goals. - Retirement Planning
I’ll assist you in creating a clear and realistic plan for your retirement, ensuring that you have a strategy in place to maintain your desired lifestyle. - Tax Efficiency
I provide advice on how to structure your finances to be as tax efficient as possible, helping you keep more of your income and investment returns. - Wealth Protection
I can guide you on protecting your assets through appropriate insurance, to ensure long-term financial security. - Ongoing Support
Financial planning is an ongoing process. I’m here to provide regular reviews and adjustments to your plan as your circumstances evolve, helping you stay on track.
Specialist Areas
I have specialist knowledge and expertise in the following areas:
- Pensions
I am an expert in the different types of pension schemes, including public sector pension schemes (NHS, Teachers, Civil Service etc.). - Individual and business protection
I am an expert in individual and business protection policies. i.e. policies which protect against the financial impact of death, illness or inability to work for individuals and business owners. - Inheritance tax and trusts
I specialise in inheritance tax mitigation and trusts.
Working With Me
I work with clients both locally and across the UK. My services can be delivered 100% remotely, with meetings held via ‘Teams’ or ‘Zoom’. An informal consultation is an ideal way for me to learn more about your individual circumstances, and for you to learn more about me and how I might be able to help you.
If you are interested in learning more about my services, please use the contact form provided to get in touch with me directly.
The Financial Conduct Authority does not regulate some employee benefits, tax planning, inheritance tax planning, estate planning, succession planning, trusts or some buy-to-let mortgages.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered Office: Quilter Financial Advisers, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 05693185. Lighthouse Financial Advice Limited, Senator House, 85 Queen Victoria Street, London, EC4V 4AB. Tel: 0207 562 5856. Registered in England and Wales. Registered number: 04795080.