If you want full, regulated advice on the essentials — pensions, savings and investments, and long-term goals — and you’d rather do it online than sit in an office, Plan Smart is built for you.
We’re built for people who want full, regulated advice on the long-term essentials, delivered online — without the high minimums traditional advice often expects.
You’re building up your savings and investments, and you want clear, regulated advice and a personal plan, without needing a large portfolio to qualify.
You’ve changed jobs a few times and collected several pensions. You want to understand what you have and whether bringing them together makes sense.
You’ve money sitting in cash and you’re ready to put it to work — you just want a professional to help you start in the right place.
You’re already investing, and you’d value a qualified second opinion on your strategy: whether you’re on track, and where it could be better.
There’s no set minimum to start. If you’re not sure whether it’s the right time yet, just ask — we’ll tell you either way.
Because Plan Smart is online, we can advise clients anywhere in the UK. Some things, though, are better handled in person or by a specialist — a defined-benefit (final-salary) pension transfer, complex trust or estate planning, or a business to factor in. When that’s the case, we’ll introduce you to another firm in the Loyal North Group that offers face-to-face advice, so you’re never left to start over. It’s a warm introduction to a named adviser who fits — not a hand-off.
The first conversation is free, and there’s no commitment. We’ll talk through where you are and point you to the right place — here, or elsewhere in the group.
Full advice. A qualified UK adviser looks at your whole situation — pensions, savings, goals and attitude to risk — and gives you personal, written recommendations they’re accountable for. Doing it online doesn’t simplify the advice; it simplifies the admin around it. You get the same depth, and the same protections, as with any UK adviser — with far less paperwork and no need to travel.
Convenience and cost, mainly. You complete your details in your own time rather than across a run of office appointments, you meet your adviser by video, and everything — your plan, accounts, documents and reviews — lives in one secure place you can reach 24/7. Because the platform does the heavy lifting on admin, the cost of advice is lower, and your adviser spends their time on you rather than on paperwork.
No set minimum. Plan Smart works best for people who have savings or pensions ready to put to work — money sitting in cash you’d like to invest, or a few old workplace pensions worth bringing together. Traditional face-to-face firms often expect a large portfolio before they’ll take you on; we’re built to be more accessible than that.
If your needs are more specialist — a defined-benefit pension transfer, substantial trust or estate planning, a business to consider — we’ll introduce you to another firm in the Loyal North Group, including advisers who can meet you in person. Same group, a warm introduction to a named adviser, and your records in one place.
Yes. Plenty of people begin with straightforward online advice and move to more bespoke planning as life gets more complex — a business, property, an inheritance. Because Plan Smart is part of the Loyal North Group, that handover is simple when the time comes.
The first conversation is free, with no commitment. We’ll talk through where you are and how Plan Smart can help.