Business Details
28 Years
experience
Your Trusted Partner in Financial Well-being
At Plain Savings, we believe managing finances is a crucial task that should never be overlooked. Since 1998, we have provided straightforward, common-sense financial advice to help individuals and businesses achieve their financial goals. Our approach focuses on understanding clients' current situations and objectives, developing practical plans to meet those goals, and offering jargon-free guidance throughout the process. We prioritise recommending solutions we would choose for ourselves, ensuring transparency and trust. Our team specialises in pensions, mortgages, investments, and equity release, with a commitment to clarity and client-centric service.We are authorised and regulated by the Financial Conduct Authority, reflecting our adherence to high standards. With decades of combined experience, our advisers deliver personalised support tailored to each client's unique circumstances. We aim to simplify financial decisions, save clients money through practical solutions, and build lasting relationships based on integrity. Our services include regular reviews to ensure strategies adapt to changing needs and market conditions. We invite clients to experience our approach to financial planning, where expertise meets simplicity for a secure and prosperous future.
Services
Financial Planning
Mortgage Advice
Pension Assessment
Investment Management
Equity Release Advice
Life Insurance Solutions
Portfolio Mortgage Services
Retirement Planning
Tax-Efficient Investments
Risk Assessment Reports
Details
- Year established: 1998
Highlights and features
- We have over 25 years of experience in financial advisory services.
- Our team offers jargon-free advice tailored to your unique needs.
- We are authorised and regulated by the Financial Conduct Authority.
- We prioritise recommending solutions we would choose for ourselves.
- We provide regular reviews to ensure your financial strategy adapts to changing circumstances.
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Helpful and knowledgeable
Jargon-free advice
Personalised support
Trusted guidance
Services
Financial Planning
Our financial planning service helps clients build and preserve wealth through tailored strategies. We assess your financial goals, risk tolerance, and current situation to create actionable plans. Regular reviews ensure your strategy adapts to market changes and life events, providing long-term security and growth.
Mortgage Advice
We offer expert mortgage advice for first-time buyers, remortgagers, and portfolio landlords. Our independent advisers compare market options to find competitive rates. Services include buy-to-let mortgages, equity release, and portfolio financing, with transparent fees ranging from 175 to 500.
Pension Assessment
Our pension assessment service reviews all your pension plans to maximise value and ensure retirement readiness. We analyse investments, management charges, and future income potential. Regular reviews help clients adjust strategies to meet evolving goals and market conditions.
Equity Release
We provide expert guidance on lifetime mortgages and home reversion plans. Our advisers assess eligibility, explain risks, and compare providers to secure favourable terms. Services include legal compliance checks and long-term financial impact analysis for homeowners aged 55+.
Investment Management
Our investment management service offers tailored portfolio strategies based on your risk profile. We provide ongoing reviews to ensure alignment with financial goals, market trends, and personal circumstances. Transparent fixed-fee structures include regular performance assessments.
People
David Barrett
Founder & Financial Adviser
David founded Plain Savings in 1998 with decades of financial services experience. He specialises in simplifying complex financial decisions, offering straightforward advice focused on client needs. His approach prioritises accessibility and long-term trust.
Leon Elliott
Mortgage Adviser
Leon has worked as a mortgage and insurance adviser since 2021. He graduated with a first-class degree in business management and focuses on helping clients navigate mortgage processes with clear, personalised support.
Lewis Hallam
Mortgage Adviser
Lewis joined Plain Savings in 2024 after graduating with first-class honours. He specialises in building lasting client relationships, tailoring mortgage solutions to individual circumstances while maintaining a client-first approach.
Richard Scott
Financial Adviser
Richard has over 13 years of experience, including tax advisory work for high-net-worth clients. He focuses on retirement planning and wealth preservation, delivering tailored solutions that provide clients with financial peace of mind.
Kate Scott
Compliance and Office Manager
Kate manages compliance and operational processes, ensuring regulatory adherence across all services. Her role supports the team's ability to deliver high-quality, compliant financial advice to clients.
Questions
What financial services does Plain Savings offer?
We provide mortgage advice, pension assessments, investment management, equity release guidance, and comprehensive financial planning tailored to individual needs.
Are your financial advisers qualified?
Yes, our team includes FCA-authorised advisers with extensive experience in financial planning, mortgages, and investment management.
How much do your services cost?
Mortgage services range from £175 to £650. Financial planning uses transparent fixed-fee structures with no hidden charges.
Can you help with retirement planning?
Yes, we offer pension reviews, retirement income projections, and investment strategies to ensure financial security in retirement.
Are you regulated by any official body?
We are authorised and regulated by the Financial Conduct Authority (FCA) under reference 822862.
Do you offer online consultations?
Yes, we provide virtual consultations alongside in-person meetings to accommodate client preferences and schedules.
