Full, regulated financial advice from a qualified UK adviser, delivered online and around your life — from home, in your own time, with no need to take a day off work. Your adviser, your plan and your money in one place, whenever it suits you.
Financial advice can make a lasting difference to your finances — how confidently you retire, how much of it you keep, and whether you achieve your goals. It has always been worth having; it has just been costly, and usually aimed at people with larger sums to invest.
Plan Smart changes that: the same regulated advice, the same qualified advisers, and the same protections under UK law, delivered online, so it’s more accessible and fits around your life. Our mission is to bring regulated financial advice within reach of more people.
Around 9% of UK adults took regulated financial advice in the previous 12 months — FCA Financial Lives survey, 2024.
Full, regulated advice from a dedicated, qualified adviser, built around you.
Modern technology does the admin, makes advice more accessible and reaches further.
Meetings, messages and reviews, arranged around your schedule.
Financial planning is the foundation of long-term stability, whatever you earn. For most people it comes down to two things — and we advise on both.
Longer-term planning for the retirement you want. Track down old pensions, understand what you’re on course for, and make the most of the tax relief along the way.
Planning for the goals in between — a home, school fees, a comfortable cushion — invested tax-efficiently through ISAs and the right accounts.
From first hello to a plan that’s up and running — in your own time, mostly from your sofa.
A short online meeting to share a few basics and check Plan Smart is right for you. No commitment.
Add the detail on your pensions, savings and goals. Most of it you can do yourself in our digital system, in your own time — and help is always a message away.
Your adviser reviews everything with you on a video call and finalises the detail. You get a full written recommendation afterwards to consider.
Happy to go ahead? We handle the account opening, payments and transfers to set your plan up — all paperless.
See everything in one place online. We review your finances every year and update your recommendations whenever life changes.
If you want full, regulated advice on the essentials — pensions, savings and investing — and you’d rather do it online than sit in an office, Plan Smart is built for you.
You’re building up your savings and investments and want clear advice and a personal plan, without needing a large portfolio to qualify.
You’ve changed jobs and have a few old pensions you’d like to understand and, where it helps, bring together.
You’ve money in cash and you’re ready to put it to work — or you already invest, and want a qualified second opinion.
Wherever you are in the UK, Plan Smart can advise you, and it’s all online. Prefer to meet in person, or need something more specialist? We’ll introduce you to a firm in the Loyal North Group that offers face-to-face advice, with a warm introduction to a named adviser.
Plan Smart Financial Planning is authorised and regulated in the UK and part of the Loyal North Group. Behind the scenes, your money is held and invested by established, regulated financial institutions — credible partners chosen to look after it — and your accounts are eligible for FSCS protection.
You’ll see exactly what you pay — advice, platform and investment costs — in writing, before you commit to anything. No commission. No hidden charges.
Yes — full, regulated financial advice. A qualified UK adviser reviews your circumstances and goals and gives you personal recommendations in a written suitability report: what they suggest, why it fits you, and the risks to weigh before you decide. Delivering it online doesn’t make it any less thorough — it just makes it more convenient and more affordable. Plan Smart Financial Planning Limited is authorised and regulated by the Financial Conduct Authority, so you have the same protections you’d expect from any UK adviser, including access to the Financial Ombudsman Service.
Yes. You’re matched with a named, qualified Plan Smart adviser who is accountable for your advice, and you meet them by video call. Technology takes care of the admin — the fact-find, opening accounts, signing documents, tracking your plan — so your adviser can spend their time on the advice itself. The recommendations are made and signed by your adviser.
The advice is the same: full, regulated, personal advice from a qualified adviser. What’s different is how it’s delivered. Traditional firms tend to rely on office meetings and paperwork, and often expect a large portfolio before they’ll take you on. Plan Smart does the same work through a secure online platform: you meet by video, complete everything digitally in your own time, and see your whole plan in one place. That makes advice more accessible and puts it within reach of more people — without giving anything up on quality or protection.
You pay a clear, agreed fee with no commission and no hidden charges. There are usually three parts: a one-off fee for building your initial plan, an ongoing fee for managing and reviewing it, and the cost of the investments themselves — the platform and custody, the investment management, and the underlying funds. We set out every charge clearly, in writing, before you commit, and the first conversation is free. You’ll find a full breakdown on our Fees page.
There’s no set minimum. Plan Smart works best for people who have savings or pensions ready to put to work — for example, money sitting in cash you’d like to invest, or a few old workplace pensions you want to bring together. If you’re early in your journey and not sure whether it’s worth it yet, just ask and we’ll tell you either way.
Yes. A big part of what we help with is making sense of what you already have. Your adviser can review your existing ISAs, investment accounts and pensions — including old workplace pots — and recommend whether to bring them together on the Plan Smart platform or leave them where they are. Transfers are handled for you, online. We only recommend moving something if it’s genuinely in your interest, and we’ll flag anything, such as valuable guarantees, that’s worth keeping in place.
Your money is held in safe custody by an FCA-authorised custodian. Your accounts are eligible for the Financial Services Compensation Scheme (FSCS), which protects you if a regulated firm fails, up to the limits that apply. That’s separate from investment risk: like any investment, the value of your portfolio can go down as well as up, and you may get back less than you put in.
The first conversation is free, with no commitment. We’ll help you get started, and if your needs would be better met by another firm in the Loyal North Group, we’ll introduce you.