Independent Chartered Financial Planners

Our Financial Planning Fees

At Just Financial Planning, we believe great advice should be clear, fair and good value.
Our fees are transparent and competitive, designed to deliver the highest standard of Chartered financial planning — with no hidden costs or surprises.

How do we compare?

We’re proud to provide award-winning, Chartered advice at a cost significantly below the industry average.

While every client’s plan is unique, our typical charges are consistently lower than comparable firms:
Just Financial Planning
1.20%
Includes our advice fee and all underlying fund charges
Industry Average
1.89%
Source: NextWealth, 2024

Our initial charge is over 25% lower than the industry average. Our ongoing charge is also more than 25% lower (Source: NextWealth, 2024).

On top of this, we use our scale and independence to negotiate lower product and platform fees on your behalf — ensuring your money works harder for you.

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Our Promise

We combine independence, expertise and transparency in everything we do.

Free initial meeting

Your first consultation is at our expense — an opportunity to understand your goals, discuss how we can help, and decide whether we’re the right fit for you.

Transparent pricing

You’ll always know what you’re paying and why. All fees are agreed in advance, clearly explained, and confirmed before any chargeable work begins.

No exit fees

You stay in control. There are no penalties for leaving our service at any time.

How our process works

looking at chart on laptop

1: Initial Consultation

Your first meeting helps us understand your objectives and gives you the chance to explore how we can support you. This meeting is free and without obligation.

2: Financial planning report

If you decide to proceed, we’ll prepare your personalised financial plan.
This involves a fixed fee based on the complexity of advice required, typically £500–£1,500.
All fees are confirmed before any chargeable work begins.

3: Implementation

If you’d like us to implement our recommendations, a one-off percentage fee applies (including the planning fee).

This is tiered, meaning the percentage reduces for larger investments — for example, 1.18% on £500,000. We’ll provide a clear, bespoke quote before proceeding.

4. Ongoing service

Our ongoing service keeps your plan on track through regular reviews and proactive management.

The typical annual fee is 0.50%, depending on investment size, strategy, and any additional bespoke requirements.

We’ll confirm all details clearly during your initial consultation.

Are you confident your investments are on track?

Book your complimentary consultation
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What your ongoing service includes

  • 'Full Fat' financial planning: we pride ourselves on our holistic approach. How we support our clients goes far beyond the traditional financial advice role of just recommending products.
  • Annual review: We work with you to identify the most efficient way to achieve your goals, updating your plan to account for life events, legislative changes, and much more. (Please note: The format and inclusion of this review will depend on your chosen service level).
  • Discounted product and platform charges: Preferential rates and access to a wider range of investments than most direct investors receive.
  • Professional tax planning: Making full use of allowances and avoiding unnecessary tax pitfalls.
  • Investment expertise: Oversight from our in-house Investment Committee and use of advanced financial software to ensure a truly independent, whole-of-market strategy.
  • Portfolio rebalancing: Keeping your investments aligned with your goals and risk profile.
  • Secure client portal: 24/7 access to valuations, key documents and secure adviser communication.

Your ongoing service is tailored to you. To find out which level of service best fits your goals, please get in touch for a no-obligation initial meeting, at our expense.

Let's chat
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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.