Investment Planning

Strategic investing is the primary way to achieve significant long-term capital growth, helping you reach major life goals and build lasting financial security.

You might have seen online ads that make investing look easy. But, in reality, investing is complex and comes with risks and challenges that demand expert management.

That’s where we come in.

What can we help with?

At Just Financial Planning, we apply a combination of our knowledge, expertise, research and technology to help you make the most of your money. We will help you:

> Navigate the complexity
> Maximise your growth potential
> Avoid the common (and costly) pitfalls of investing.

Helping individuals and families answer these common questions:

How should I invest this inheritance or lump sum wisely?
Can I align my investments with my personal values or ESG goals?
What should I do with my savings that aren’t keeping pace with inflation?
How can I invest in a way that also helps reduce my potential Inheritance Tax?
What’s the best way to invest towards specific goals like a property deposit or school fees?

Helping business owners navigate the following:

How can I invest surplus business profits to support both company growth and personal wealth?
Am I making the best use of business cash, or is it sitting idle?
What investment strategies can support my eventual business exit or retirement?

A personalised investment strategy:

Expertly researched and designed to align with your specific goals, timeline and agreed risk level, and to be as tax efficient as possible.

Suitable portfolio construction:

Continuous oversight and support to help you stay disciplined through market shifts, avoid costly emotional decisions, and keep your strategy on track.

Ongoing management and coaching:

With our specialist modelling software, we help you find that “sweet spot” between saving and spending so you don’t risk running out of funds too soon, or look back wishing you’d lived more freely.

Cash management:

We help you determine the right level of cash reserves for emergencies or short-term needs, while ensuring any excess is positioned to beat inflation and support your long-term plans.

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?

Our evidence-based approach:

We don’t guess, chase trends, or gamble with your future. Instead, we follow a robust, research-based framework known as Evidence-Based Investing – an approach built around long-term growth, diversification, cost control, and behavioural coaching.

The right products for you:

As an independent firm, we’re not tied to any providers. We search the entire market for the right products, platforms, and funds – always in your best interest.

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 finances are being professionally managed. With regular performance reviews, switches and rebalances, we work continuously to ensure your finances are working hard for you.

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

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 confident your investments are on track?

Book your complimentary consultation

Self-investing and inflation: Don’t let them diminish your wealth

Investing without guidance can lead to:

Portfolios misaligned with your goals
Unnecessary tax exposure
Undue risk being taken
Missed growth opportunities
In the worst cases, avoidable capital loss.

Whatever you’re investing for – retirement, a major life event, or simply making the most of a lump sum – when you work with us, you can be confident that we’re managing every element with care and expertise. You gain more than investment advice. You gain a long-term partner, ensuring every aspect of your finances works together for the future you want.

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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

Investment Planning