Business Details
18 Years
experience
Your Trusted Partner for Independent Financial Planning Solutions
Established in 2008 during the global financial crisis, we have grown to become a leading independent financial planning firm in East Anglia. Our Chartered status, awarded in 2016, reflects our commitment to excellence in qualifications, ethics, and client-focused service. With over 250 million in client assets under advisement, we combine technical expertise with a personal approach to deliver tailored financial solutions. Our team of award-winning Chartered Financial Planners brings decades of collective experience across pensions, investments, and retirement planning.We maintain full independence to offer whole-of-market advice, ensuring clients receive the most suitable products without restriction. Our growth has been driven by client referrals and professional partnerships, supported by our transparent fee structure that remains 25% below industry averages. Based in Coltishall, Norfolk, we serve clients across East Anglia and throughout the UK, maintaining the same founding principles of integrity and client-first service since our establishment.
Services
Pensions
Retirement Planning
Savings & Investments
Mortgage Advice
Buy to Let Advice
Equity Release Advice
Inheritance Tax Planning
Estate Planning
Life & Health Insurance
Wills & Lasting Powers of Attorney
Details
- Year established: 2008
Highlights and features
- We are one of only 14% of UK firms holding Chartered Financial Planner status
- Our fees are 25% below industry average according to FCA data
- We maintain full independence to offer whole-of-market financial solutions
- Our team includes Resolution Accredited Advisers and STEP members
- We combine technical expertise with a personal, client-first approach
Associations and certifications
- Chartered Insurance Institute (CII)
Services
Pensions
We provide comprehensive pension advice to help clients achieve their retirement goals. Our services include pension reviews, transfer analysis, and tax-efficient retirement income strategies. With expertise in defined benefit schemes and equity release, we create tailored solutions for individuals at all career stages.
Mortgage Advice
Our mortgage advisory service covers first-time purchases, remortgaging, and buy-to-let investments. We offer independent advice on residential and later-life lending, including specialist support for divorce settlements and complex financial arrangements. Our fees remain competitive at 250 per transaction.
Estate Planning
We specialise in comprehensive estate planning to protect your assets and minimise inheritance tax liabilities. Our services include will writing, trust planning, and family home allowance optimisation. We help clients ensure their wealth passes to intended beneficiaries efficiently and tax-effectively.
Investment Management
Our investment advisory services focus on creating diversified portfolios aligned with individual risk profiles. We offer ongoing portfolio reviews and cashflow modelling to help clients achieve both short-term and long-term financial objectives through strategic asset allocation.
Financial Planning
We provide comprehensive financial planning covering all aspects of personal finance. Our services integrate pension, investment, tax, and estate planning to create cohesive strategies that evolve with clients' changing life circumstances and financial goals.
People
Holly Heald
Director, Chartered Financial Planner
Founder of Just Financial Planning with over 15 years' experience. Holds a First Class Degree in Business with Economics and Chartered Financial Planner status. Specialises in creating accessible financial solutions for diverse client backgrounds.
Roy Durrant
Director, Chartered Financial Planner
One of the UK's first Chartered Financial Planners with 33 years' industry experience. Specialises in retirement planning and complex financial settlements. Resolution Accredited Adviser and STEP member with expertise in inheritance tax planning.
David Coleman
Chartered Financial Planner
MSc qualified Chartered Financial Planner with a decade of experience. Chair of the Investment Committee and specialist in NHS pensions and defined benefit schemes. Named among the UK's Top 35 Advisers by New Model Adviser.
Diane Fish
Later Life, Mortgage & Protection Adviser
25 years' experience in mortgage and protection advice. Accredited Later Life Lending Professional and Equity Release Council member. Specialises in divorce-related financial settlements and later-life lending solutions.
Neil Dobson
Chartered Financial Planner
35 years' financial services experience with specialist knowledge in pension transfers and retirement planning. Fellow of the Personal Finance Society and Chartered Financial Planner with expertise in tax-efficient wealth preservation strategies.
Questions
What financial services do you offer?
We provide comprehensive financial planning services including pensions, retirement planning, investment management, mortgage advice, equity release, and estate planning. Our Chartered advisers also offer specialist services in inheritance tax planning and later-life financial solutions.
Are you an independent financial adviser?
Yes, we are fully independent financial advisers with no restrictions on the products we recommend. This independence allows us to offer whole-of-market solutions that prioritise our clients' best interests.
How are your fees structured?
Our fees are transparent and competitive. Mortgage advice starts at £250 and equity release advice at £300. We provide detailed fee disclosures before any work begins and maintain charges 25% below industry averages according to FCA data.
Do you work with clients outside Norfolk?
While based in Coltishall, Norfolk, we work with clients across East Anglia and throughout the UK. Our services are available to clients in London and all major UK regions through remote and in-person consultations.
What qualifications do your advisers hold?
Our team includes Chartered Financial Planners, Resolution Accredited Advisers, and STEP members. All advisers maintain the highest industry qualifications including QCF Level 4 and above, with ongoing professional development monitored by the FCA.
How are you regulated?
We are Authorised and Regulated by the Financial Conduct Authority (FCA) under reference 477571. Our compliance procedures meet strict regulatory standards, and we follow the FCA's Statements of Principle and code of practice for approved persons.
Reviews (2)
Ben Buckmaster
Jan 10, 2022
Report
Positive:Professionalism,Quality,Responsiveness,Value
Just Financial Planning are a pleasure to deal with. David worked extremely quickly to set up certain policies for us on a very tight deadline. As a new business we feel that we have found the right company to give us the best well informed financial advice for years to come.
Just Financial Planning are a pleasure to deal with. David worked extremely quickly to set up certain policies for us on a very tight deadline. As a new business we feel that we have found the right company to give us the best well informed financial advice for years to come.
Colin Ford
Dec 16, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
Excellent service, thorough and professional advice. Would recommend this firm to anyone looking for help with their finances.
Excellent service, thorough and professional advice. Would recommend this firm to anyone looking for help with their finances.
