01603 266333 [email protected]



We like to think that we’re a breath of fresh air in the financial planning world. No annoying call centres, no mind-bending jargon. Just good old-fashioned personal service combined with the latest technology and research.

COVID 19 Notice

 In these challenging times, where managing your finances is critical, we are STILL OPEN.

We have distributed our team in accordance with Government instructions, however, we built Just Financial Planning to last and the team is working hard to maintain our services.

If you need to get in touch you can either contact your Advisor in the normal way or if you’re new to us either call or email:

01603 266333

[email protected]

Director, Chartered Financial Planner

Holly Heald, FPFS

“Our guiding principle is delivering the right outcome for the client. It’s not about selling someone a product. We work hard to keep and demonstrate our independence, so you get the very best advice.”

I began working in financial services in 1998. Starting as an Administrator and Paraplanner, I worked my way up and began advising clients a few years later. In 2008, after the birth of baby number two, I decided to set up on my own and launched Just Financial Planning.

I had a vision: a good, honest financial service that was about finding the best solution for the individual to help them grow their assets over time. I wanted to create an inclusive service for people from all different backgrounds, where no one would be turned away because they’re not important enough.

I also wanted to know that, when I had a good idea, it would actually be implemented! Change, the right change, is a really important part of keeping any business relevant.

Focussing on providing a fair service and the best interest of our clients has helped us enjoy strong growth as a business. This growth became limited by space. We had our eye on the perfect office space to grow into, but it took several years for everything to fall into place! Making the move in 2016 and welcoming Roy and then David to the team has transformed the business. But our guiding principles have, and always will, remain the same.

Getting the right financial advice can make a big difference to an individual’s wealth, and that of their family’s, but it takes time and effort. It’s important that you feel in control. I will explain everything clearly in a way you will understand, so you are confident in the decisions we’re making together.

I’ve been Chartered since 2009, making me amongst the most qualified financial planners in the country. I advise on all aspects of financial planning, and work with many individuals from different walks in life. Much of my work is with handling pensions and investments and I have specialist qualifications in equity release, long term care and pension transfers.

E:[email protected]

T:01603 266333

Director, Chartered Financial Planner

Roy Durrant, FPFS

“I consider myself very lucky to work in a job where I can make a difference to people’s lives by making sure they’re comfortable and achieve their lifestyle plans. With over 26 years in the industry, I’ve got a lot of knowledge to share.”

I began my career as a “Man from the Pru” in 1991. For the past 18 years, I’ve worked as an Independent Financial Adviser for a number of firms before joining Just Financial Planning in 2016.

When I first sat down with Holly to discuss her plans for expanding Just Financial Planning, I was really heartened to learn that her ethos and approach to work mirrored my own. The priority is offering an advice process that encourages an ongoing relationship with clients. It’s that kind of relationship that really generates results.

Clients have told me before that they like my calm and measured approach. They find me easy to talk to, and appreciate that I take the time to explain things in a way that makes it easy to understand.

I was one of the first advisers in the UK to achieve Chartered Financial planner status. Much of my work involves working with business owners, or individuals who are at retirement age. I also do a lot of work in inheritance tax planning and trust planning.

I’m one of only 33 Resolution Accredited advisers in the country. This meansI’m qualified to help solicitors and divorcing couples come to an agreed financial settlement A lot of the resolution work I do involves more “complicated” cases – that’s where my years of experience really come in handy. It’s my job to dig deep to find where is a fair split – something that is reasonable and likely to be approved. Finding and agreeing a mid-ground can help reduce costs and long delays at a time which is, without exception, difficult.

I often work with women who, through a range of circumstance, may not have had much involvement in the family finances prior to the divorce. I then take on an educational role, teaching them what they need to know to move forward in a positive way financially. It’s interesting work that can be truly rewarding.

E:[email protected]

T:01603 266333

Chartered Financial Planner

David Coleman, APFS

“I take a modern, holistic approach to financial planning. I’m objective driven – together, we’ll identify your end goal, or goals, and create a plan so you can enjoy your money, rather than worrying about it.”

Having studied various aspects of accounting, finance and investment management at university, financial planning felt like the right route for me. I was keen to work with individuals face to face to help them enjoy their finances. Having completed a graduate scheme, I joined Just Financial Planning in 2017.

My aim when I work with clients is to do everything I can to remove anxiety around money and simplify their approach. I’m fond of using cashflow modelling software to project forward to lifestyle goals, answering complex issues and making these goals achievable. I’m a true numbers person – I love looking at the figures behind decisions! It’s my job to look at the complicated areas and explain them in simple terms that make sense, no matter your financial know-how.

Through my work, I’m keen to encourage people to start working with a financial adviser sooner rather than later. The earlier you start, the easier it is to plan for the future – those early years can make a big difference. Working at Just Financial Planning is giving me that opportunity to really make a difference to people’s futures.

Achieving Chartered status is something I’m very proud of, and I am able to advise on all aspects of financial planning. I have found something of a niche for myself working with NHS pensions, and I also take care of a lot of defined benefit pension work.

E:[email protected]

T:01603 266333

Independent Financial Advisor

Jim Duvall, DipPFS

My top piece of financial advice is “plan for the unexpected”. Like everything in life, you never quite know what’s around the corner. I like to make sure people are financially prepared for anything!

I began my career as an IFA in 1987 with a small firm of brokers based in North Norfolk. Having worked for two other IFAs since then, I joined Just Financial Planning in July 2019. When considering my next move, Just Financial Planning was the obvious choice. The client focused approach is exactly how I like to work. Having already met and worked with many of the team earlier in my career, I knew they were a close-knit team who work well together to get the right outcomes for their clients.

My main aim when working with clients is to get to know their short and long-term objectives and help them achieve the right financial outcomes to make that happen.

I find the best approach is to really take the time to get to know my clients and their family and build up a clear picture of their situation. This is absolutely essential if I am going to do a good job. Someone’s finances are intertwined with all other aspects of their lives, so making sure there’s nothing hidden or forgotten is part of the planning process. No matter how inconsequential something might feel at the time, it might be important 10 years down the line. It’s my job to look that far ahead.

I have had the privilege of giving advice to a whole range of clients over the past 30+ years. Many of them have been with me for since I first started as an Adviser, so I have been helping them throughout their working lives and into retirement. I have watched their needs change over time. There is definitely a sense of satisfaction in seeing the plans put in place bearing fruit and witnessing  many lifetime dreams coming true.

Whilst I can give advice on all aspects of financial planning, I tend to focus on personal financial planning rather than corporate. Exactly what that looks like often changes over time, as my clients age along with me!

E:[email protected]

T:01603 266333


Do you know how much income you’ll have when you retire? To live the retirement of your dreams, you’ll need the right pension for your situation and objectives. We can help you achieve that.


Wide-sweeping legislative changes introduced in April 2015 mean that it is more important than ever to ensure that you fully understand the options available to you when you retire.


The way you save and invest your money can make a significant difference to your finances…and peace of mind. We can guide you through your options.


Moving home is stressful. Your mortgage doesn’t have to be. We research the market to get you a deal which is both suitable for your circumstances and competitively priced, helping you avoid the pitfalls along the way.


You’ve worked hard for your money. Let us help you make sure that it goes to the right people with expert advice about your position, the limits and reliefs available to you, and will writing.


Take the first step – get in touch with us now to arrange an initial chat with no obligation.

“Planning is bringing the future into the present so you can do something about it now.”*

We like to think that we’re a breath of fresh air in the financial planning world. No annoying call centres, no mind-bending jargon. Just good old-fashioned personal service combined with the latest technology and research.

We believe that how you look after your money is really important. Whether it’s your savings, investments, pension, insurances or mortgage, managing your money well can make a significant difference to your life – both now and in the future.

We’re independent financial advisers which means that we’re not tied to any particular products or providers. We will only ever recommend solutions that are right for you.

We work hard to be amongst the very best in the industry. We are Chartered Financial Planners – a designation which is testament to that. It means that we’ve satisfied a set of criteria which recognise our commitment to quality customer service, ethical behaviour and delivering best practice in everything we do. All of our customers – individuals, businesses and charities – benefit as a result.

In 2018, we were named on the NMA Top 100 list, and in 2019, we were named the Best Financial Adviser in the Eastern Region in the New Model Adviser Awards, an accolade we are very proud of.

*Quote by Alan Lakein, personal time management author

Ready to build your first financial plan? Need to review your existing arrangements?

Our financial planning professionals can help you with a personalised strategy. Want to know more? Contact us on 01603 266333 or complete our contact form and we’ll get back to you as soon as possible.

We’re based in Coltishall, in Norfolk. Lots of our clients are based in and around Norwich, the Norfolk Broads and across North Norfolk, including North Walsham, Aylsham and Cromer. We also work with clients in London and are happy to offer independent financial advice to clients across the UK.

Our Services



Pre retirement planning – pensions & investments

At retirement planning

Life & Health Insurance

Mortgage Advice

Buy to Let Advice

Equity Release Advice

Inheritance tax and estate planning advice

Holistic Financial Planning

We also offer a range of legal services including Wills and lasting Powers of Attorney.

Get in touch

We will be able to explain risk in more detail. Contact your financial adviser before making any decisions. The value of investments may fall as well as rise. You may get back less than you originally invested.

If you wish to register a complaint, please write to Just Financial Planning Ltd, 41 Church Street, Coltishall, Norfolk, NR12 7DW or telephone 01603 266333.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.