Business Details
28 Years
experience
Your Trusted Financial Advisers Since 1998
Plain Savings has been delivering straightforward financial advice since 1998, prioritising clarity and practical solutions for clients. Our approach focuses on understanding individual financial goals and creating tailored plans to achieve them. With expertise in pensions, mortgages, investments, and retirement planning, we combine decades of industry experience with a commitment to jargon-free communication.Our team of qualified advisers works closely with clients to ensure informed decision-making, regular portfolio reviews, and ongoing support aligned with evolving needs. As an FCA-authorised firm, we maintain rigorous professional standards while offering transparent pricing structures including fixed annual fees and upfront service costs.
Services
Mortgage Advice
Pension Reviews
Investment Planning
Equity Release
Life Insurance
Retirement Planning
Portfolio Management
Tax Efficiency
Estate Planning
Financial Audits
Details
- Year established: 1998
Highlights and features
- We have over 27 years of experience in financial advisory services
- Our team holds FCA-authorised qualifications and industry certifications
- We operate with full transparency and no hidden fees
- Our fixed annual fee structure ensures predictable costs
- We provide regular portfolio reviews and ongoing client support
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Helpful and fast
Truthful and professional
Excellent mortgage deal
Personalised support
Services
Mortgage Advice
Our mortgage advisory service provides tailored guidance for first-time buyers, remortgaging, and property investors. We assess market conditions, lender criteria, and client circumstances to secure optimal rates. With expertise in standard mortgages, buy-to-let portfolios, and equity release schemes, we ensure clients receive competitive offers aligned with their financial goals while maintaining FCA-regulated standards.
Pension Reviews
We conduct comprehensive pension assessments to evaluate current investments, projected income, and tax efficiency. Our specialists analyse multiple pension schemes, recommend consolidation strategies, and optimise investment choices. Through regular reviews, we help clients maximise retirement savings while considering market fluctuations and legislative changes affecting pension regulations and inheritance tax implications.
Investment Planning
Our investment planning service creates diversified portfolios aligned with risk tolerance and financial objectives. We offer ongoing portfolio management, performance monitoring, and strategic adjustments to adapt to market conditions. Clients receive transparent reporting and regular reviews to ensure their investments remain aligned with long-term goals while maintaining compliance with FCA regulatory requirements.
Equity Release
We provide specialist equity release advice for homeowners seeking to access property wealth. Our advisers explain lifetime mortgage options, assess eligibility criteria, and evaluate financial implications. We conduct affordability assessments, compare market products, and ensure clients understand inheritance impacts and compound interest effects while adhering to Equity Release Council standards.
Life Insurance
Our life insurance service evaluates individual protection needs through comprehensive risk assessments. We offer tailored solutions including term life cover, critical illness protection, and income protection policies. Advisers review existing coverage, recommend appropriate levels of protection, and ensure policies adapt to changing circumstances while working with major UK insurance providers.
People
David Barrett
Founder & Financial Adviser
With over 27 years' experience, David established Plain Savings in 1998 to simplify financial planning. He specialises in holistic wealth management and retirement strategies, combining technical expertise with accessible communication to help clients achieve long-term financial security.
Leon Elliott
Mortgage Adviser
Qualified since 2021, Leon provides mortgage and insurance solutions with a focus on first-time buyers. He graduated with first-class honours in business management and specialises in helping clients navigate property purchases while maintaining Plain Savings' commitment to transparent advice.
Lewis Hallam
Mortgage Adviser
A qualified mortgage advisor since 2021, Lewis focuses on building long-term client relationships. He graduated with first-class honours from Sheffield University and specialises in tailoring mortgage solutions to individual circumstances while maintaining Plain Savings' high service standards.
Richard Scott
Financial Adviser
With experience since 2011, Richard specialises in tax-efficient financial planning for high-net-worth clients. He provides comprehensive wealth management solutions, focusing on creating tailored strategies that deliver long-term financial security and peace of mind for clients.
Kate Scott
Compliance Manager
Kate oversees regulatory compliance and office operations, ensuring Plain Savings maintains FCA standards. With extensive experience in financial services administration, she plays a crucial role in maintaining the firm's regulatory framework and supporting client service delivery.
Questions
What financial services does Plain Savings offer?
We provide mortgage advice, pension reviews, investment planning, equity release, life insurance, and comprehensive retirement planning services tailored to individual client needs.
Are your financial advisers qualified?
All our advisers hold relevant industry qualifications and are FCA-authorised professionals with specialist expertise in their respective financial advisory fields.
How do you charge for your services?
We use transparent pricing structures including fixed fees for mortgage advice (from £400) and annual management fees for ongoing financial planning services.
Can you help with first-time home purchases?
Yes, our specialist mortgage advisers provide tailored support for first-time buyers, including affordability assessments and competitive mortgage rate comparisons.
How often do you review financial plans?
We recommend regular reviews at least annually, with additional check-ins available to ensure your financial plan adapts to changing circumstances or market conditions.
Are you regulated by financial authorities?
Yes, Plain Savings is authorised and regulated by the Financial Conduct Authority (FCA reference 822862) and follows strict regulatory compliance standards.
