Why Use A Financial Planner? | Just Financial Planning

The Proven Value of Professional Advice

The benefits of working with a financial planner are not just anecdotal; they are backed by extensive research.

£48,000 Higher Financial Assets

People who received professional financial advice were, on average, £48,000 better off over ten years compared to those who didn’t.

(Source: Unbiased)

92% Improved Well-being

Advice delivers more than financial returns — 92% of people receiving ongoing financial advice say they feel more secure and in control of their lives.

(Source: SJP)

3% Added Value Annually

Research by Vanguard shows that working with a quality planner can add around 3% per year to returns through effective planning, discipline and behavioural coaching.

(Source: Vanguard)

DIY Investing vs. Professional Planning

Saving on fees can seem appealing, but managing your finances alone often proves a false economy. Without professional guidance, it’s easy to overlook opportunities, make reactive decisions or miss crucial tax efficiencies.

	The DIY Approach	The Financial Planner Advantage
Fees	Can save on initial advice charges	Involves a fee, but offers clear value and no exit penalties
Time & Research	Required significant time to manage effectively	Delegates the work to experts with Chartered qualifications
Investment Access	Limited to retail products	Access to a wider range of funds and discounted platform charges
Decision-making	High risk of emotional, reactive choice	A disciplined, long-term strategy guided by evidence
Planning Tools	No holistic plan linking investments to life goals	Cashflow modelling to visualise and test future scenarios
Tax & Legislation	No expert to navigate complex rules	Ongoing tax-efficient planning and legislative updates

Why It’s Worth It

With no exit charges, working with Just Financial Planning is a low-risk decision. If you don’t feel you’re receiving value, you’re free to end our service at any time without penalty.

The potential upside, however, can be life-changing, from stronger returns and lower tax bills to greater peace of mind and a clearer path towards your goals.

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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.

Independent Chartered Financial Planners