Independent Chartered Financial Planners

Meet our team

We’re proud of the dedicated and experienced team we’ve built.

Just Financial Planning

While your main point of contact will be your Financial Planner, they’re supported by a skilled and friendly team working closely behind the scenes to ensure every detail of your financial plan is managed with care. Together, we combine expertise, precision and genuine personal service to deliver the best possible experience for our clients.

Financial Planner

Our highly qualified Financial Planners work with you to create a comprehensive plan built around your goals, providing clear, independent advice you can trust.

Research Team

Our research team provide technical expertise and detailed research to support the advice process, ensuring every recommendation is accurate, compliant, and aligned with your best interests.

Client Service Team

Our Client Service Team handles the day-to-day administration and provides a friendly, reliable point of contact for your ongoing support and queries.
Just Financial Planning

Get to know the people who make Just Financial Planning a leading firm in East Anglia.

Holly Heald at Just Financial Planning
Holly Heald, FPFS
Director, Chartered Financial Planner
With over 15 years in the Financial Services Industry, Holly is a Chartered Financial Planner and a Fellow of the Personal Finance Society. She holds a First Class Degree in Business with Economics and is committed to providing the highest ethical standards in financial planning.
David Coleman at Just Financial Planning
David Coleman, APFS MSc
Director, Chartered Financial Planner
David combines technical expertise with a modern, holistic approach to achieve great client outcomes. He holds the prestigious Chartered status and was named one of the UK’s Top 35 Advisers by New Model Adviser. David also holds a Master’s in Finance & Investment Management, which he applies as Chair of our Investment Committee.
Neil Dobson at Just Financial Planning
Neil Dobson, FPFS
Chartered Financial Planner
With 35 years of experience, Neil is a highly respected Chartered Financial Planner. His extensive knowledge is a great asset to our clients and the team.
Andrew Brown at Just Financial Planning
Andrew Pye, DipPFS
Financial Planner
Andrew started his career in financial services in 2014. He specialises in retirement planning, investment management, and tax and estate planning, providing client-centric advice.
Diane Fish at Just Financial Planning
Diane Fish, DipPFS Adv CeMAP
Later Life, Mortgage & Protection Adviser
Diane is a specialist in later life planning, mortgages, and protection. Her expertise helps clients make informed decisions about some of the most significant financial commitments of their lives.
Erik Kutko at Just Financial Planning
Erik Kutko, DipPFS
Financial Planner
Erik is a qualified Financial Planner providing independent, tailored advice. Serving on the Investment Committee, he helps shape investment strategy to optimize portfolio outcomes and cost efficiency. A UEA Economics graduate and Award Fellow, Erik empowers clients to make informed financial decisions—whether starting a pension, growing investments, or planning for retirement.
Samuel Andrews at Just Financial Planning
Samuel Andrews, DipPFS
Financial Planner
Samuel is a Financial Planner who previously worked as a specialist practitioner within the NHS, having graduated from the University of Manchester with first-class honors. He brings his unique background to financial planning, allowing him to meet the holistic needs of his clients and ensure their financial wellbeing
Amy Sparkes at Just Financial Planning
Amy Talbi, DipPFS
Compliance & Adviser Team Manager
Amy has over two decades of experience in the financial services sector. Since entering the industry in 2003, Amy has developed an understanding of the regulatory landscape and the practicalities of financial advice. Her focus is on leading the adviser team to deliver high-quality client outcomes while maintaining robust compliance frameworks.
Liz King at Just Financial Planning
Liz King
Operations Manager
Liz joined us in January 2019 and is a fundamental part of the team. Liz manages the Client Service and Research Teams to ensure high standards are met for our clients and uses her extensive knowledge to guide the rest of the team. Liz has over 25 years of experience in the industry and holds the full Financial Planning Certificate.
Lisa Clark at Just Financial Planning
Lisa Clark, DipPFS
Research Team Leader
Lisa joined the industry in 2017 and is a valuable member of our research team, helping to prepare our detailed financial planning reports.
Sarah Edmunds at Just Financial Planning
Sarah Edmunds, DipPFS
Research Team
Sarah has over 18 years of experience in Financial Services and has been qualified to Diploma level since 2014, providing excellent support to our advisers.
Ellie Genery at Just Financial Planning
Ellie Genery
Research Team
With five years experience in financial services Ellie has a strong eye for detail and enjoys keeping things organised. Now part of our research team, she is building her knowledge of financial planning and enjoying the opportunity to support advisers and clients.
Dominique Hamilton
Client Service Team Leader
Dominique is a key member of our client service team, dedicated to providing a friendly and efficient service to all our clients.
Sarah Bigood at Just Financial Planning
Sarah Bidgood
Client Service Team
With over 17 years’ experience in the financial services industry, Sarah is a knowledgeable and reliable member of our client support staff.
Zak Cork at Just Financial Planning
Zak Cork
Client Service Team
Zak is a valued member of our Client Service Team, contributing to the smooth running of our office and excellent client relations.
Julie Adcock
Client Service Team
Julie is an experienced financial services administrator who brings many years of industry knowledge. She takes pride in providing excellent administrative support to our clients
Adam Sendjakedine
Client Service Team
Adam is a member of our Client Service Team, bringing a positive attitude and a commitment to delivering excellent support. He is focused on making every client interaction smooth, helpful, and welcoming, while continually developing his knowledge within the financial services industry
Phil Heald at Just Financial Planning
Phil Heald
IT Manager
Phil ensures our technology and communication systems run smoothly, which is essential for providing a seamless service to our clients.
Amanda Knight at Just Financial Planning
Amanda Knight
HR & Finance Manager
Amanda oversees our human resources and financial operations, ensuring our firm is well-managed and a great place to work.
Just Financial Planning

Contact us

Tel: 01603 266333

Email: [email protected]

Address: Point House, 5 High Street, Coltishall, Norwich NR12 7AA

Office at Just Financial Planning
image/svg+xml Print 2024-12-19T10:50:27Z 2024-12-19T10:50:27Z 2024-12-19T10:50:27Z Adobe Illustrator 29.1 (Macintosh) 256 80 JPEG /9j/4AAQSkZJRgABAgEASABIAAD/7QAsUGhvdG9zaG9wIDMuMAA4QklNA+0AAAAAABAASAAAAAEA AQBIAAAAAQAB/+4ADkFkb2JlAGTAAAAAAf/bAIQABgQEBAUEBgUFBgkGBQYJCwgGBggLDAoKCwoK DBAMDAwMDAwQDA4PEA8ODBMTFBQTExwbGxscHx8fHx8fHx8fHwEHBwcNDA0YEBAYGhURFRofHx8f Hx8fHx8fHx8fHx8fHx8fHx8fHx8fHx8fHx8fHx8fHx8fHx8fHx8fHx8fHx8f/8AAEQgAUAEAAwER AAIRAQMRAf/EAaIAAAAHAQEBAQEAAAAAAAAAAAQFAwIGAQAHCAkKCwEAAgIDAQEBAQEAAAAAAAAA AQACAwQFBgcICQoLEAACAQMDAgQCBgcDBAIGAnMBAgMRBAAFIRIxQVEGE2EicYEUMpGhBxWxQiPB UtHhMxZi8CRygvElQzRTkqKyY3PCNUQnk6OzNhdUZHTD0uIIJoMJChgZhJRFRqS0VtNVKBry4/PE 1OT0ZXWFlaW1xdXl9WZ2hpamtsbW5vY3R1dnd4eXp7fH1+f3OEhYaHiImKi4yNjo+Ck5SVlpeYmZ qbnJ2en5KjpKWmp6ipqqusra6voRAAICAQIDBQUEBQYECAMDbQEAAhEDBCESMUEFURNhIgZxgZEy obHwFMHR4SNCFVJicvEzJDRDghaSUyWiY7LCB3PSNeJEgxdUkwgJChgZJjZFGidkdFU38qOzwygp 0+PzhJSktMTU5PRldYWVpbXF1eX1RlZmdoaWprbG1ub2R1dnd4eXp7fH1+f3OEhYaHiImKi4yNjo +DlJWWl5iZmpucnZ6fkqOkpaanqKmqq6ytrq+v/aAAwDAQACEQMRAD8A9IeZPMsGjwAACW8kH7qL sB/M3t+vMHW60YR3yPRBNPPL/XtXv3LXFy5U9I1JVB8lG2c1m1eTIfUS12l5JJqdycx1dih2KuxV 2Ktq7oaoxU+INDhBI5JTvSPN+r6e6h5Dc2/7UMpJNP8AJY7j9WZ2n7RyYzueKPcUiT0bTNStdRs0 urZqxv1B6qw6q3uM6bBnjliJRZgorLksP/M78y9I8h6F9fu1+sX1wTHp1grcWmkAqSTvxRKjk1PD uRkoxthkyCIfJHnD81fPPmy4kfVNTlS1Ynjp9uzQ2yjw9NT8VPFyT75kCIDgyyGXNiOSYOxV2Kux V2KuxVl3k781vPPlK4RtL1OR7VSOen3LGa2YeHpsfhr4oVPvkTEFnHIY8n1v+WP5l6R580L6/aL9 XvrciPUbBm5NDIRUEHbkj0PFqePcHMeUac7HkEgzDIs1G7uorWBppDsOg7k+AxYylQtjF5q95csf jMcfaNTQfSe+TAcWWQlBYWt2KuxV2KuxV2Kq9ve3VuwMMjLT9mtR93TBTISI5Mk0vVEvUKsAs6ir KOhHiMiQ5WPJxPL9a1B9Q1O4umNQ7kRjwQbKPuzitTmOTIZIJQWUIdirsVdirsVdirsVdirKvy+1 B4tTksif3VwhYL4Om9f+Brm37HzEZDDpJnEvQs6Rm+L/AM/PNFzrv5lapGz1tNJc6fax12UQmkv0 tLyr9A7Zk4xQcDNK5POsm1OxV2KuxV2KuxV2KuxV6L+Qfmi50L8ytLjV6WmrONPuo67MJjSL6Vl4 0+kd8hkFhtwyqT7QzGc9jfmO4Z7tYa/BEoNP8pt/1ZIOLmO9JTkml2KuxV2KuxV2KuxV2Kq9lcNb 3UcwNOLDl8j1/DAWUTRtg2cC5DsVdirsVdirsVdirsVdiqd+S/8AlJrP/np/yafM/sz+/j8fuLKP N6jnWNj4N/Mj/wAmJ5p/7a9//wBRMmZceQddP6ixzCwdirsVdirsVdirsVdirI/y3/8AJieVv+2v Yf8AUTHglyLOH1B95ZiOxYprn/HUn/2P/EBkw4eX6igMLW7FXYq7FXYq7FXYq7FXYqw3OAcp2Kux V2KuxV2KuxV2KuxVO/Jf/KTWf/PT/k0+Z/Zn9/H4/cWUeb1HOsbHwb+ZH/kxPNP/AG17/wD6iZMy 48g66f1FjmFg7FXYq7FXYq7FXYq7FWR/lv8A+TE8rf8AbXsP+omPBLkWcPqD7yzEdixTXP8AjqT/ AOx/4gMmHDy/UUBha3Yq7FXYq7FXYq7FXYq7FWG5wDlOxV2KuxV2KuxV2KuxV2Kp35L/AOUms/8A np/yafM/sz+/j8fuLKPN6jnWNj4N/Mj/AMmJ5p/7a9//ANRMmZceQddP6ixzCwdirsVdirsVdirs VdirI/y3/wDJieVv+2vYf9RMeCXIs4fUH3lmI7Fimuf8dSf/AGP/ABAZMOHl+ooDC1uxV2KuxV2K uxV2KuxV2KsNzgHKdirsVdirsVdirsVdirsVTvyX/wApNZ/89P8Ak0+Z/Zn9/H4/cWUeb1HOsbHw b+ZH/kxPNP8A217/AP6iZMy48g66f1FjmFg7FXYq7FXYq7FXYq7FWR/lv/5MTyt/217D/qJjwS5F nD6g+8sxHYsU1z/jqT/7H/iAyYcPL9RQGFrdirsVdirsVdirsVdirsVYbnAOU7FXYq7FXYq7FXYq 7FXYqnfkv/lJrP8A56f8mnzP7M/v4/H7iyjzeo51jY+DfzI/8mJ5p/7a9/8A9RMmZceQddP6ixzC wdirsVdirsVdirsVdirI/wAt/wDyYnlb/tr2H/UTHglyLOH1B95ZiOxYprn/AB1J/wDY/wDEBkw4 eX6igMLW7FXYq7FXYq7FXYq7FXYqw3OAct2KHYq7FXYq7FXYq7FXYqnnkoE+ZbQjt6hP/Iphmf2Z /fx+P3FlHm9QzrGx8HfmUrL+YvmgMCD+lr40O2xuXIP0jMuPIOuyfUWN4WDsVdirsVdirsVdirsV ZJ+Wqs35i+VwoJP6WsTQb7C5Qk/QMEuRZ4/qD7xzEdixTXAf0pN78af8AMmHDy/UgMLW7FXYq7FX Yq7FXYq7FXYqknmjSZNO1eZONIJiZYG7cWNaf7E7Zxmv05xZCOh3DmEJRmGxdirsVdirsVdirsVd irNPy90mT1JdTkWiBTFBXuSfiYfKlM3nY+nNnIfcGcQzjN+zfJ3/ADkv5FutI84HzJBGTpet8S7j pHdIoV0PhzC8x4/F4ZkY5bU4WeFG3jeWNDsVdirsVdirsVdirsVeyf8AONHkW51fzePMk8ZGl6JU o5G0l06lUQePANzPh8PjleSW1N+CFm31jmO5qReY7NqpdqKinCT28DkgXHzR6pFknHdirsVdirsV dirsVdiqN0iza5vE2/dxkNIfYdB9OAlsxxssh1XSLLVLU290lR1RxsynxU5i6jTwyx4ZOWQwXUPI OsQOfqhS6i/ZoQj/AEhiB+OaDN2RlifT6h8mBigf8I+Y/wDlib/gk/5qzH/k7P8AzfuXhLv8I+Y/ +WJv+CT/AJqx/k7P/N+5eEu/wj5j/wCWJv8Agk/5qx/k7P8AzfuXhLv8I+Y/+WJv+CT/AJqx/k7P /N+5eEu/wj5j/wCWJv8Agk/5qx/k7P8AzfuXhLa+T/MZIAsm38WQD8WxHZ2f+b9y8JTnSPy+nMiy apIFjG/oRmrH2Zug+jM7T9jm7yHbuCRFm8MMUMSRRIEiQBURRQADN9GIiKHJmvySoDXdC0rXdKuN K1W3W6sLpeE0L/gQeqsp3BG4OEGkEAii+cvOP/OK2u29xJP5UvYr6zJJSzu29K4UdlD09N/mePyy 4Ze9xZac9GGH/nHn84ASP0DX3F3Zf9Vsl4ga/Bl3O/6F6/OD/qwf9Pdl/wBV8fEivgy7nf8AQvX5 wf8AVg/6e7L/AKr4+JFfBl3O/wChevzg/wCrB/092X/VfHxIr4Mu53/QvX5wf9WD/p7sv+q+PiRX wZdzh/zjz+cBIH6Bp7m7sv8Aqtj4gXwZdzM/J3/OK2u3FxHP5rvYrGzBBeztG9W4Yd1L09NPmOXy yJy9zZHTnq+jdC0LStC0q30rSrdbWwtV4Qwp+JJ6szHck7k5STblAACgj8CWmVXUqwDKwoQehGKp HeeXDyLWjih/3W/b5HJAuPLD3IE6Hqlf7mvvyT+uG2vwpO/Qeqf74/4ZP642vhS7nfoPVP8AfH/D J/XG18KXc79B6p/vj/hk/rja+FLud+g9U/3x/wAMn9cbXwpdzv0Hqn++P+GT+uNr4Uu5Xt/Ll27A zMsS9wDyb8NsFshhPVPrW0gtYhHCtB3PcnxORciMQOT/AP/Z xmp.iid:c08a6f7c-b3f3-4931-99d5-8771644bed0a xmp.did:c08a6f7c-b3f3-4931-99d5-8771644bed0a uuid:5D20892493BFDB11914A8590D31508C8 proof:pdf uuid:76b108ec-dcfe-4d12-8a05-9b34b1fd2c86 xmp.did:5cace282-7b96-2943-a43d-1dd8c9914347 uuid:5D20892493BFDB11914A8590D31508C8 proof:pdf saved xmp.iid:c08a6f7c-b3f3-4931-99d5-8771644bed0a 2024-12-19T10:50:27Z Adobe Illustrator 29.1 (Macintosh) / Print Adobe Illustrator False False 1 100.000000 100.000000 Millimeters Cyan Magenta Yellow Black Default Swatch Group 0 White RGB PROCESS 255 255 255 Black RGB PROCESS 29 29 27 CMYK Red RGB PROCESS 227 6 19 CMYK Yellow RGB PROCESS 255 237 0 CMYK Green RGB PROCESS 0 150 64 CMYK Cyan RGB PROCESS 0 159 227 CMYK Blue RGB PROCESS 49 39 131 CMYK Magenta RGB PROCESS 230 0 126 C=15 M=100 Y=90 K=10 RGB PROCESS 190 22 34 C=0 M=90 Y=85 K=0 RGB PROCESS 230 51 42 C=0 M=80 Y=95 K=0 RGB PROCESS 233 78 27 C=0 M=50 Y=100 K=0 RGB PROCESS 243 146 0 C=0 M=35 Y=85 K=0 RGB PROCESS 249 178 51 C=5 M=0 Y=90 K=0 RGB PROCESS 252 234 16 C=20 M=0 Y=100 K=0 RGB PROCESS 222 220 0 C=50 M=0 Y=100 K=0 RGB PROCESS 149 193 31 C=75 M=0 Y=100 K=0 RGB PROCESS 58 170 53 C=85 M=10 Y=100 K=10 RGB PROCESS 0 141 54 C=90 M=30 Y=95 K=30 RGB PROCESS 0 102 51 C=75 M=0 Y=75 K=0 RGB PROCESS 47 172 102 C=80 M=10 Y=45 K=0 RGB PROCESS 0 161 154 C=70 M=15 Y=0 K=0 RGB PROCESS 54 169 225 C=85 M=50 Y=0 K=0 RGB PROCESS 29 113 184 C=100 M=95 Y=5 K=0 RGB PROCESS 45 46 131 C=100 M=100 Y=25 K=25 RGB PROCESS 41 35 92 C=75 M=100 Y=0 K=0 RGB PROCESS 102 36 131 C=50 M=100 Y=0 K=0 RGB PROCESS 149 27 129 C=35 M=100 Y=35 K=10 RGB PROCESS 163 25 91 C=10 M=100 Y=50 K=0 RGB PROCESS 214 11 82 C=0 M=95 Y=20 K=0 RGB PROCESS 231 29 115 C=25 M=25 Y=40 K=0 RGB PROCESS 203 187 160 C=40 M=45 Y=50 K=5 RGB PROCESS 164 138 123 C=50 M=50 Y=60 K=25 RGB PROCESS 123 106 88 C=55 M=60 Y=65 K=40 RGB PROCESS 99 78 66 C=25 M=40 Y=65 K=0 RGB PROCESS 202 158 103 C=30 M=50 Y=75 K=10 RGB PROCESS 177 127 74 C=35 M=60 Y=80 K=25 RGB PROCESS 147 96 55 C=40 M=65 Y=90 K=35 RGB PROCESS 125 78 36 C=40 M=70 Y=100 K=50 RGB PROCESS 104 60 17 C=50 M=70 Y=80 K=70 RGB PROCESS 67 41 24 Grays 1 C=0 M=0 Y=0 K=100 RGB PROCESS 29 29 27 C=0 M=0 Y=0 K=90 RGB PROCESS 60 60 59 C=0 M=0 Y=0 K=80 RGB PROCESS 87 87 86 C=0 M=0 Y=0 K=70 RGB PROCESS 112 111 111 C=0 M=0 Y=0 K=60 RGB PROCESS 135 135 135 C=0 M=0 Y=0 K=50 RGB PROCESS 157 157 156 C=0 M=0 Y=0 K=40 RGB PROCESS 178 178 178 C=0 M=0 Y=0 K=30 RGB PROCESS 198 198 198 C=0 M=0 Y=0 K=20 RGB PROCESS 218 218 218 C=0 M=0 Y=0 K=10 RGB PROCESS 237 237 237 C=0 M=0 Y=0 K=5 RGB PROCESS 246 246 246 Brights 1 C=0 M=100 Y=100 K=0 RGB PROCESS 227 6 19 C=0 M=75 Y=100 K=0 RGB PROCESS 234 91 12 C=0 M=10 Y=95 K=0 RGB PROCESS 255 222 0 C=85 M=10 Y=100 K=0 RGB PROCESS 0 152 58 C=100 M=90 Y=0 K=0 RGB PROCESS 39 52 139 C=60 M=90 Y=0 K=0 RGB PROCESS 130 54 140 Adobe PDF library 15.00
Services
Retirement Planning Investment Planning Business Planning Tax Planning Estate Planning Protection & Insurance Mortgage & Equity Release Cashflow Modelling Care Fee Planning
Policies
Privacy Policy
Chartered Financial Planners

2025 Just Financial Planning.
Website by Example Marketing & Web Design

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.