Derek Fraser
Dip PFS, Cert CII (MP)
Financial Adviser with True Potential
At True Potential Wealth Management, we combine cutting-edge technology with personalised, face-to-face advice, ensuring that every financial plan we create is unique.
My approach is centred on delivering clear transparent advice, ensuring that my clients are fully informed and empowered to make sound financial decisions.
Whether planning for a secure retirement, maximising investment opportunities, or safeguarding your family or business against unforeseen challenges, I am committed to delivering exceptional advice and guidance at every step.
Established in Forres for over 30 years, I'm here to support you every step of the way so you achieve your financial goals with confidence.
- Dip PFS - Chartered Insurance Institute - 18/12/2012
- Cert CII (MP) - Chartered Insurance Institute - 01/11/2011
Investment & Savings
I can review your investment and savings accounts, and create a bespoke financial plan that you’ll be able to track 24/7
with award-winning technology.
Retirement & Pensions
Whether you need to set up a retirement plan or review your existing strategy, I can offer no-fee tax wrappers and can ensure that you are taking full advantage of new pension freedoms.
Inheritance, Estates & Tax
I can review all your accounts and create a bespoke plan that makes the most of your tax allowances and maximises the amount your beneficiaries can inherit.
Protection
I can provide protection cover in the various forms of life, critical illness, and disability solutions as well as guidance on Inheritance Tax.
We are award winning
Our aim is to revolutionise the way wealth management is delivered. We believe that by using award winning technology to deliver financial services, we empower financial advisers and their clients to take control of their futures.
We provide innovative investments
Whether you’re aiming to pay off your mortgage, cover university fees or just grow your money our Portfolios use a pioneering approach known as Advanced Diversifications to find opportunities for growth that others can’t replicate.
We build revolutionary technology
Our clients can check their investments 24/7 and top up anytime with impulseSave. They also get access to exclusive features like True Potential Rewards, which enables them to earn cashback from over 4,000 retailers.
