Business Planning Financial Advice | Just Financial Planning

business planning

Running a business brings its own set of financial challenges and opportunities. Your company’s success is often closely tied to your personal wealth and long-term security, so getting the balance right is important. Business owners face different tax rules to employees and need to plan carefully for growth, protection, and eventually, exit - yet research shows that almost half of owners don’t have a clear exit plan (IFA Magazine, 2023).

What can we help with?

Taking a joined-up approach to your business and personal finances can make a big difference. From improving tax efficiency and protecting your business value to planning for succession or sale, proactive financial planning helps you make the most of every stage, whether you’re starting out, growing, or preparing to step away.

This is where our expertise adds real value. We work closely with you, and often with your accountant, to help you navigate the overlap between business and personal finance, ensuring both are working together to achieve your goals.

Helping business owners navigate the following:

How can I structure withdrawals from my business more tax-efficiently?
What are the personal tax implications of selling my business, and how should I prepare?
What insurance and planning is needed to protect my business and family if key people suffer illness or death?
How can we design an effective and affordable employee benefits package to attract and retain key talent?

Tax-efficient profit extraction:

Helping you take money out of your business in the most tax-efficient way, through salary, dividends or directors’ loans.

Business protection:

Protecting your business against financial loss if a key person or shareholder becomes critically ill or passes away.

Success and exit planning:

Getting you and your business financially ready for a future sale, merger or management buyout.

Employee benefits:

Creating attractive pension and benefits packages to help you reward, retain and motivate your team.

Testimonials

This is what our clients think of us...

We chose to work with JFP five years ago and we’ve been delighted with our choice. They took the time to get to know us as we approached retirement, including a cash flow forecast showing that we could retire sooner than expected. We’ve found JFP to be up-front and transparent about their fees and it feels like money well spent.

Chris

Retirement Advice

Why choose us?

The right products for you:

Our independence makes use of the best available products on the market that match your business goals. There are lots of different options, with a variety of pros and cons to consider, which we have the knowledge to navigate on your behalf.

Competitive fees:

We’re committed to transparency and value. Our initial charge and our ongoing charges are more than 25% below the industry average. We also negotiate discounts on products and platforms which we pass on to you.

More about our fees

Our expertise:

As a Chartered firm, we’re in the top 14% of firms in the country. We were also named by FT Adviser in the Top 10 Boutique Financial Advice Firms in the UK in 2025. You have the peace of mind that your business and personal finances are being professionally managed. With regular performance reviews, switches and rebalances, we work continuously to ensure your finances are working hard for you.

How it works

Step 1

Get in touch to arrange a free initial consultation so we can get to know you. You can either come to our office in Coltishall, Norfolk, or many clients are now choosing the convenience of a video call.

Step 2

We will review your existing arrangements and recommend a strategy. We’ll also explain any fees. We’ll formalise what we’ve agreed in a recommendation report and, if you’re happy, we’ll implement the strategy on your behalf.

Step 3

As part of our ongoing service, we will make regular checks that you are on course to achieve your objective and make adjustments if needs be.

Are you fully maximising the financial opportunities your business creates for your personal wealth, whilst effectively managing tax, protection, and future exit plans?

Book your complimentary consultation

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Compliance

Just Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority. Just Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 477571. Registered in England & Wales, Company Number 6453011.

Registered Office address: Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA.

Trading address: Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA. Telephone: 01603 266333

The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

Independent Chartered Financial Planners

Business Planning