Our Services

Managing your finances effectively can be a confusing business. The financial world is complex and making the right decisions for your future can seem a daunting prospect.

At LUNA Financial Planning make sure we understand your current financial situation, your investment goals, and your objectives.

We will also ask about your feelings concerning your money. How you feel about investment risk?, What are your expectations? questions that are really important if we are going to make any recommendations to you or your family.

We will always consider your current and future tax position to make sure you are using all appropriate tax reliefs* and allowance entitlements. Our expert professional advisers will help you through all stages of this process.

This means we can make sure that our solutions are right for you and that you have all of the information you need in order to make a clear and informed decision.

LUNA Financial Planning can also provide Cashflow forecasting which is a personalised detailed plan that shows you how much ‘money’ you may need over your lifetime, in order to pay for essential living costs such as mortgages, food and education.

*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!

Phil - Port Talbot - Sep 2020

Financial Planning

Managing your finances effectively can be a confusing business – we can help!

Retirement Planning

Retirement freedom creates more choice; but it brings with it more risk


Are you as familiar with protecting your greatest asset – you?


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.

Ethical Investing

Retirement freedom creates more choice; but it brings with it more risk

Inheritance Tax Planning

Think about where you want your money to go and why. Many people have reservations about giving away assets too quickly

Financial Wellbeing

Financial wellbeing is that sense of security you feel when you have enough money to meet your needs.

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 LUNA Financial planning we understand that providing a professional service to you and those you represent is one of the most crucial parts of your business.

Financial Resource Library

Divorce is a stressful time. Pension sharing isn’t always the first thing divorcing couples think of.

I can honestly say that LUNA’s service has been exemplary throughout the process and they could have not done anything better!

Steve - Caerphilly - Nov 2020

We will help you establish your needs and actions in the above areas and make recommendations to address these, in line with your investment requirements your financial adviser will take essential steps to assess your attitude to investment risk before investing any money.

This will help to make sure you aren’t exposed to more risk than you would like, or potentially make sure you’re taking enough risk to generate the returns you want within your investment time frame. Each of us is different and we all  have a level of risk we would be uncomfortable taking.

Typically we think of investment risk in terms of a fall in the value of our investment but we will also consider other types of risk. Investment returns are not usually guaranteed and any investment strategy brings with it the potential  for loss.

Each type of investment carries a different level of risk. Your first option may usually be to consider saving money in a bank because it’s perceived as ‘risk-free’ and your money remains easily accessible.

However, the reason you may not want to keep all your money in the bank is because historically the rates of interest received have been low and not kept pace with the cost of living (inflation).

To get a higher return than inflation you will need to take some risk. Generally the amount of risk you take is linked to the gain / reward. In other words the more risk you take, the greater the potential for higher returns. Investments will need a time horizon of between 5-10 years in order to ride out periods of sometimes extreme volatility.

The financial world can be extremely complex.

Analysing and monitoring  the enormous variety of products, funds, wrappers and platforms is time-consuming and costly – a cost that ultimately finds its way to you, the end consumer.

Having worked with a wide range of clients in all areas of financial planning, it became clear that using a tailored range of handpicked solutions could help with this.

Together with some of the most modern and efficient products available, this has proven to be the best way to cater for many of our clients’ financial needs. So, by restricting our comprehensive advice service to a carefully chosen range of products and providers, we are able to remove that complexity and therefore keep costs low, and focus on providing great service.

Furthermore, if an occasion arises where we are unable to meet any specific need you might have via our chosen providers, we are able to search the whole of the market for an appropriate solution.

Get in touch today for a no obligation chat about Our Services

We believe this approach offers  our clients the best of both worlds: 

A first-class range of providers and products designed to meet the vast majority of their needs at a reduced cost, with the capability to look at the wider market should the need arise.

The analysis is carried out centrally at Quilter Financial Planning to ensure the offer is of the highest quality, and that it remains up-to-date and appropriate to meet your needs both now and in  the future.

For your peace of  mind and protection we subscribe to, and abide by, a number of laws and regulations that exist for your protection, confidentiality, and security.

  • The Financial Conduct Authority (FCA) – our regulator. We will tell you if any product or service recommended is not regulated by the FCA

  • The Financial Services Compensation Scheme (FSCS) –  for your financial security

  • The Data Protection Act (DPA) –  to protect your confidentiality

  • The Financial Ombudsman  Service – an independent and impartial body to help resolve complaints between financial businesses and their customers

  • Law – all our agreements follow  the laws of England and Wales.  The laws concerning property, conveyancing, trusts and power  of attorney can differ if you live  in Scotland or Northern Ireland

  • Financial crime – we support  the Proceeds of Crime Act, and  all efforts to eliminate money laundering

  • Other interests – we pride ourselves on being impartial.  To avoid doubt we tell you if  any conflicts of interest exist

    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

Julie - Newport - October 2020