A qualified UK adviser, a personal plan, and your investments in one secure place. Technology handles the admin, so your adviser can focus on the advice — and you can do it all around your schedule.
Five steps, all online. You move at your own pace; your adviser keeps things moving without rushing you.
A short online meeting to share a few basic details and make sure Plan Smart is the right fit for you. No paperwork, no commitment.
You tell us more about your finances: pensions, savings, investments, goals, and how you feel about risk. Most of it you can complete yourself in our digital system, whenever it suits you, with help on hand whenever you want it.
You meet your qualified adviser on a video call. Together you review and finalise the detail, and they talk you through their thinking. After the meeting you get a full written recommendation — what they suggest, why it suits you, and the risks worth knowing — to consider in your own time.
Once you’re happy to go ahead, we do the setting up: opening accounts, arranging payments, and transferring in old pensions or investments where it’s right to. It’s handled for you, online, with nothing to print or post.
Everything lives in one place in your portal. We review your finances with you every year, and produce fresh recommendations whenever your circumstances change — a new job, a child, an inheritance. Between times, the support team is one message away.
One service, no premium tier and no add-ons. From day one, you get all of this.
A named UK adviser, qualified and accountable for your plan, with a friendly support team alongside them.
One-click account opening, payments, withdrawals and document signing. Nothing to print or post.
24/7 access to your plan, valuations, reports, recommendations and documents, on any device.
Chat, audio and video calls with your adviser and the team, with screen-share when it helps — all in your portal.
Plan Smart uses the right mix of tax-efficient accounts for your goals, then invests them in a portfolio matched to how much risk you’re comfortable with.
A Stocks & Shares ISA. Your money grows free of UK income and capital gains tax, with no tax on withdrawals — up to the annual ISA allowance (£20,000 for the current tax year 2026/27).
A tax-efficient way to save for later life. Pay in regularly, add lump sums, or bring old workplace and personal pensions together in one place.
No contribution limit and no restriction on when you can access it. That can suit money you want to keep available, for example before you can draw a pension, or once you’ve used your ISA allowance. Gains and income may be taxable.
As with all investing, the value of your investments can fall as well as rise, and you may get back less than you put in.
Plan Smart runs on a secure online platform — your portal, accounts, payments and document signing in one place. It takes the friction out of the admin, so your adviser can spend their time advising you rather than pushing paper.
Your money is held by an FCA-authorised custodian, and your accounts are eligible for FSCS protection.
Five reasons this way of doing advice suits the people it’s built for.
Expert, regulated advice from a qualified adviser — from the comfort of home.
Modern technology keeps charges competitive, so advice reaches more people.
One easy-to-use platform for your plan and your investment accounts.
Your accounts and your adviser, online, from anywhere, at any time.
Assets held in safe custody and eligible for FSCS protection.
Usually about four to six weeks from your first conversation to a plan you can act on, though it depends on how quickly information comes together — especially if we’re tracking down details of existing pensions. You’re never on the clock: you complete the fact-find in your own time, and your adviser keeps things moving without pushing you into decisions.
No. Everything is done online — the fact-find, your meetings by video, signing documents and tracking your plan. There’s no office to visit and nothing to post. If you’d ever prefer to speak to someone face to face, another firm in the Loyal North Group can help.
It’s a relaxed video call with your qualified adviser to go through the picture you’ve shared, understand your goals and your attitude to risk, and answer your questions. There’s no obligation to proceed — it’s how we both check Plan Smart is the right fit before any recommendation is made.
Yes. Your adviser will review what you already have and recommend whether to bring it together on the Plan Smart platform or leave it where it is — moving something only when it’s genuinely in your interest, and flagging anything, such as valuable guarantees, worth keeping in place. Transfers are handled for you, online.
A yearly review where your adviser checks everything still fits and confirms it in writing, fresh recommendations whenever your circumstances change, your whole plan visible in your portal 24/7, and a support team a message away for the everyday questions.
Your investments are held in safe custody by an FCA-authorised custodian and are eligible for FSCS protection. That’s separate from investment risk: the value of investments can fall as well as rise, and you may get back less than you put in.
The first conversation is free, with no commitment. We’ll talk through where you are and how Plan Smart can help. If your needs would be better met by one of our sister firms, we’ll introduce you.