Business Details
15 Years
experience
Trusted Independent Financial Advisers in Lytham St Annes
Founded in 2011, Red Star Wealth Management was established to deliver independent financial advice rooted in transparency, trust, and exceptional service. Our team of experienced professionals specialises in crafting tailored solutions for individuals and businesses, focusing on pensions, investments, tax planning, and corporate financial strategies. With over 25 years of combined expertise, we prioritise understanding our clients' unique circumstances to provide honest, jargon-free guidance. As an FCA-authorised firm and Associate of the Chartered Insurance Institute, we uphold rigorous professional standards while maintaining a client-centric approach.Our commitment to financial education extends beyond individual advice, promoting long-term financial wellbeing through workshops and community initiatives. We believe financial planning should empower clients, not overwhelm them, and strive to build lasting relationships based on integrity and mutual respect. Our services are designed to help clients navigate complex financial decisions with confidence, whether planning for retirement, growing wealth, or managing business finances. We offer a free initial consultation to discuss all areas of financial planning, ensuring accessibility to high-quality advice for all clients.
Services
Investments
Corporate Pensions
Insurance
Tax Planning
SIPPs
Details
- Year established: 2011
Highlights and features
- We offer 25+ years of combined experience in financial advisory services
- Our team holds specialist qualifications in pensions, trusts, and tax planning
- We provide free initial consultations with no obligation
- Our FCA-authorised status ensures regulatory compliance and client protection
- We combine technical expertise with a personal, jargon-free approach
Associations and certifications
- Financial Conduct Authority
- Chartered Insurance Institute
Services
Investment Planning
We create tailored investment strategies to achieve growth or income objectives. Our specialists analyse risk profiles and financial goals to recommend diversified portfolios. Clients benefit from ongoing reviews and market expertise to optimise returns while managing risk effectively.
Corporate Pensions
Specialised pension solutions for businesses including SIPP implementation and workplace scheme optimisation. We help companies meet regulatory requirements while enhancing employee benefits packages through strategic retirement planning and tax-efficient structures.
Tax Planning
Our experts develop legitimate tax mitigation strategies focusing on inheritance tax reduction and capital gains optimisation. Through trust structures and pension contributions, we help clients preserve wealth across generations while maintaining compliance with evolving tax legislation.
Financial Education
We deliver practical financial education workshops for sports professionals, apprentices, and businesses. Our programmes cover budgeting, investment basics, and long-term financial planning to empower individuals and organisations with essential money management skills.
SIPP Advice
Specialist guidance on Self-Invested Personal Pensions including fund selection and drawdown strategies. We help clients maximise retirement income through flexible pension arrangements while ensuring compliance with HMRC regulations and personal circumstances.
People
Kristen Cunliffe
Managing Director
With over 25 years in financial services, Kristen founded Red Star in 2011 to provide personal, independent advice. She specialises in mortgage advice, equity release, and customer service, holding multiple industry qualifications.
Paul Gardner
Consultant
Paul brings 30 years' investment experience, specialising in growth strategies and inheritance tax planning. He offers expert pension advice and uses trusts strategically to help clients preserve wealth across generations.
Gary
Financial Adviser
Gary has over three decades of experience in financial services, focusing on investment and pension planning tailored to individual life stages. His approach combines technical expertise with clear, jargon-free communication for client empowerment.
Questions
What financial services do you specialise in?
We specialise in investment planning, corporate pensions, tax-efficient wealth preservation, SIPP advice, and financial education workshops tailored to individual and business needs.
Are you regulated by any financial authorities?
Yes, we are directly authorised and regulated by the Financial Conduct Authority (FCA) under reference number 948639, ensuring compliance with strict industry standards.
Do you offer initial consultations?
We provide a free, no-obligation initial consultation to discuss your financial goals and explain available options during an informal meeting either in person or online.
How do you tailor financial advice to clients?
We conduct detailed fact-finds to understand your unique circumstances, then create customised strategies that evolve with your changing life stages and financial objectives.
What areas do you serve?
Based in Lytham St Annes, we primarily serve the Fylde Coast and Lancashire regions, while also providing services to clients across the United Kingdom.
Reviews (5)
Tara Cooper
Jun 30, 2021
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Red Star Wealth Managements amazing MD, Kristen, is by far the most amazing finance person I have ever met, and what I mean by that is she makes sense! No jargon, nothing unnecessary and just straight forward sound and honest advice. Nothing is ever too much trouble and believe me when recently that sound advice was needed more than ever it was there. Red Star WM ticks every box and more, if I could grade them higher I would
Angela Walsh
Jun 13, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Great experience having help with Red star always happy to help and so knowledgeable about products from mortgages to pensions xx
Great experience having help with Red star always happy to help and so knowledgeable about products from mortgages to pensions xx
Elizabeth Beckford
Dec 09, 2020
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Kristen offers financial advice without all the complicated jargon. Friendly, genuine and professional - a great combination.
Lee Giacopazzi
Sep 16, 2019
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An excellent team of financial advisers. They really take their time to understand your situation and your aspirations. Over the years I have met many financial advisers and out of all of them, I choose Red Star Wealth Management. I highly recommend you get in contact with this excellent team for any question big or small.
WanderDutts
Jan 03, 2018
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We used Kristen at Red Star Wealth Management to help my wife and I secure our first home. I cannot recommend her highly enough. A few days before we were about to exchange our estate agent tried to get an extra 25k for a parking space which they had forgotten to mention. Our solicitor was useless, I thought I'd ask Kristen as I knew no one else, not only did she call me back in the evening which would not be in her office hours, she rang my solicitor and my estate agent the next day and sorted it all out for us, saving us 25k. We'll always be thankful as we feel so lucky we managed to secure this
