Business Details
40 Years
experience
Your Trusted Partner for Fee-Only Financial Planning
Frazier Financial Consultants is a family-run fee-only financial advisory firm dedicated to providing personalized financial planning services. Founded in 1986 by Deborah Frazier, our practice has evolved while maintaining a core commitment to unbiased advice without product sales. With over three decades of experience, we serve clients in North Carolina and New York through comprehensive financial planning that addresses life values, retirement, tax strategies, and estate planning. Our team of certified professionals brings specialized expertise in creating tailored solutions for diverse financial goals. We emphasize transparency, long-term relationships, and client education to empower informed decision-making.Our Chapel Hill headquarters and Westchester satellite office provide accessible support for individuals and families seeking financial clarity. Through generations of service, we've maintained a client-partner approach that prioritizes individual needs over standardized products. Our professionals contribute regularly to major financial publications, demonstrating industry thought leadership. We measure success through client achievements rather than asset growth, ensuring our interests remain aligned with those we serve. This philosophy has sustained our practice through organic growth and familial continuity since our inception.
Services
Financial Planning
Retirement Planning
Tax Planning
Estate Planning
Investment Planning
Risk Management
Education Planning
Cash Flow Analysis
Details
- Year established: 1986
Highlights and features
- We offer fee-only financial planning with no product sales conflicts
- Our family-run practice has served clients since 1986
- All advisors hold Certified Financial Planner designations
- We provide tailored plans addressing specific life circumstances
- Our team contributes regularly to major financial publications
Services
Financial Planning
Our comprehensive financial planning service creates customized strategies addressing retirement, tax optimization, and estate management. We analyze your complete financial picture to develop actionable roadmaps aligned with personal goals. This service helps clients achieve long-term financial security through evidence-based decision-making frameworks.
Retirement Planning
Specialized retirement planning focuses on optimizing savings timelines and withdrawal strategies. We model various scenarios to ensure sustainable income throughout retirement while minimizing tax liabilities. This service incorporates risk management techniques to protect against market volatility and longevity risks.
Tax Planning
Strategic tax planning identifies legal opportunities to minimize lifetime tax burdens. Our approach coordinates with investment and retirement strategies to maximize tax-efficient asset growth. We implement proven methods for reducing current and future tax liabilities through proper account structuring.
Estate Planning
Estate planning ensures orderly asset distribution according to client wishes. We coordinate with legal professionals to establish trusts, wills, and beneficiary designations. This service addresses probate avoidance, tax implications, and legacy preservation for future generations.
Investment Planning
Custom investment planning develops diversified portfolios aligned with risk tolerance and financial objectives. We employ evidence-based strategies focusing on long-term growth and capital preservation. Regular portfolio reviews ensure ongoing alignment with evolving market conditions and client circumstances.
People
Deborah Frazier
Chief Compliance Officer
Founder of FFC with 35+ years experience, Deborah pioneered fee-only financial planning in North Carolina. She contributes to major financial publications and holds an MBA from Meredith College. Active in professional associations, she maintains compliance oversight for the firm.
Richard Frazier
Financial Planner
CFP professional since 2006, Richard provides comprehensive financial planning services. He holds FINRA Series 65 registration and contributes to financial education initiatives. As sole LLC owner, he maintains operational leadership for the Chapel Hill office.
Liz Frazier Peck
Financial Planner
Author of 'Beyond Piggy Banks' and Forbes contributor, Liz specializes in family financial planning. She earned her CFP and MBA from Wake Forest University. Her practice focuses on simplifying financial concepts for young families and emerging professionals.
Questions
What distinguishes Frazier Financial Consultants Consultants from other advisory firms?
We operate as a fee-only firm with no product sales conflicts. Our family-run practice emphasizes long-term client relationships and comprehensive financial planning tailored to individual life circumstances.
How are your financial planning fees structured?
Fees are based on hourly rates determined during initial consultations. We provide transparent pricing with no hidden costs or commission-based products influencing our recommendations.
Do you work with clients outside North Carolina and New York?
While our offices are in Chapel Hill and Westchester, we can work with clients in other states through virtual consultations and digital document management systems.
What qualifications do your advisors hold?
Our advisors hold Certified Financial Planner (CFP) designations and relevant industry registrations. Collectively, we maintain over 75 years of financial planning experience and contribute to major financial publications.
How often do you review and update financial plans?
We recommend annual reviews or whenever significant life changes occur. Our clients receive ongoing support through scheduled check-ins and market condition updates as needed.
