Managing your finances effectively can sometimes feel confusing. The financial world is complex, and making the right decisions for your future can seem like a daunting prospect.
I make it my priority to understand your current financial situation, your investment goals, and your broader objectives.
I’ll also ask about your feelings around money—how you feel about investment risk, what your expectations are, and other questions that are really important if we are going to make any recommendations for you or your family. My aim is to make sure you feel confident and supported every step of the way..
I always consider your current and future tax position to make sure you’re making the most of all the appropriate tax reliefs* and allowance entitlements. I’ll guide you through every stage of the process, ensuring that the solutions I recommend are tailored specifically to you. My goal is to make sure you have all the information you need to make clear, confident, and informed decisions about your finances.
I can also provide cash flow forecasting—a personalised, detailed plan that shows how much money you may need over your lifetime to cover essential living costs such as mortgages, bills, food, and education. This gives you a clear picture of your financial future and helps you plan with confidence.
*Tax treatment varies according to individual circumstances and is subject to change.
Kelly was brilliant, she took a long look at what we needed and how best to achieve it in an socially responsible way and keep costs as sensible as possible!
Protection
Are you as familiar with protecting your greatest asset – you?
Mortgages
LUNA Financial Planning can introduce you to the most brilliant Mortgage Brokers in Cardiff, Swansea, Gloucester and across the UK.
Pension Sharing Orders
Divorce is a stressful time. Pension sharing isn’t always the first thing divorcing couples think of.
Financial Wellbeing
Financial wellbeing is that sense of security you feel when you have enough money to meet your needs.
Inheritance Tax Planning
Think about where you want your money to go and why. Many people have reservations about giving away assets too quickly
Retirement Planning
Retirement freedom creates more choice; but it brings with it more risk
Financial Planning
Managing your finances effectively can be a confusing business – we can help!
Ethical Investing
Retirement freedom creates more choice; but it brings with it more risk
Cash Flow Forecasting
We believe that Cash Flow Forecasting should be used as a standard practice of providing accurate and comprehensive advice
Court of Protection Services
At Kelly East Wealth Management we understand that providing a professional service to you and those you represent is one of the most crucial parts of your business.
I can honestly say that LUNA’s service has been exemplary throughout the process and they could have not done anything better!
I will help you establish your needs and actions in the areas we’ve discussed and make recommendations tailored to your investment goals. Before investing any money, I will take the time to assess your attitude to investment risk.
This ensures that you aren’t exposed to more risk than you’re comfortable with, while also helping you take enough risk to aim for the returns you want within your investment time frame. We’re all different, and everyone has a level of risk that feels right—or uncomfortable—for them. My role is to help you find that balance.
When we talk about investment risk, most people think about the value of their investment falling. But there are other types of risk to consider too. Investment returns are never guaranteed, and every strategy carries the potential for loss.
Each type of investment comes with its own level of risk. Often, people’s first thought is to keep money in a bank because it’s seen as “risk-free” and easily accessible.
The downside is that keeping all your money in the bank may not be the best choice over the long term. Historically, interest rates have been low and haven’t kept up with the cost of living (inflation), which can reduce the real value of your savings over time.
.
If you want your money to grow faster than inflation, you’ll need to accept a certain level of risk. Generally, the amount of risk you take is linked to the potential reward—the higher the risk, the greater the chance of achieving higher returns.
Investments usually need a time horizon of around 5 to 10 years. This allows you to ride out periods of market volatility, which can sometimes be extreme, and gives your investments the best chance to grow over time.
The financial world can be extremely complex.
As an independent financial adviser, I work closely with each client to identify solutions that are genuinely suitable for their needs. I research the whole of the market to ensure we find the best available funds and products, rather than being limited to a restricted range.
This approach allows me to simplify the process for you, remove unnecessary complexity, and focus on providing clear, practical advice tailored to your individual circumstances. Whether it’s maximising returns, managing risk, or keeping costs reasonable, the goal is always to make your money work as effectively as possible.
And if a specific need arises that isn’t met by the usual providers, I have the freedom to explore the entire market to find the solution that’s right for you.
Get in touch today for a no obligation chat about Services
-
As an independent adviser, I carry out thorough research to ensure that any recommendations are up-to-date, suitable, and in your best interests—both now and in the future.
For your peace of mind and protection, I adhere to all relevant laws and regulations designed to safeguard your confidentiality, security, and financial wellbeing:
-
The Financial Conduct Authority (FCA) – I am fully regulated and will advise you if any product or service recommended is not FCA-regulated.
-
The Financial Services Compensation Scheme (FSCS) – providing an added layer of financial protection.
-
The Data Protection Act (DPA) – protecting your personal information and confidentiality.
-
The Financial Ombudsman Service – an independent and impartial body to help resolve complaints between financial businesses and clients.
-
Law – all agreements follow the laws of England and Wales. Note that laws concerning property, trusts, and powers of attorney may differ if you live in Scotland or Northern Ireland.
-
Financial crime – I fully support the Proceeds of Crime Act and all efforts to prevent money laundering.
-
Impartiality – as an independent adviser, I prioritise your interests and will always disclose any potential conflicts.
This independence allows me to provide advice that is genuinely tailored to you, without being tied to a particular provider or range of products.
The value of investments and the income they produce can fall as well as rise, you may get back less than you invested.
-
Kelly has liaised with my solicitor and relevant companies on my behalf. she has worked tirelessly to find the best investments with minimal risk factors. Kelly is professional & clearly knows the market well, she is someone you instantly feel at ease with