Focus on dreams, not numbers

We’re here to help you live the life you want.

We focus on your dreams, not numbers and help ambitious business leaders and their families make better financial decisions about the future. We remove worry, minimise risk and maximise return through our holistic Life Planning service.

Our lead advisor, Steve Rowe, is a chartered financial planner specialising in pension planning. Being ‘chartered’ is widely accepted as the gold standard in the UK, and this means we’re amongst the most experienced advisers with the highest qualifications obtainable.


We focus on your dreams, not percentages and numbers—and we want to hear your future vision.


We give you guidance to help you make your own decisions by understanding your fears and ambitions.


We back up our advice with reasoning, we’re not attached to any organisations, and have no vested interest in any products.

“They are genuine, straight-talking and succinct — you have a
conversation and you have a clear answer.”

Stuart Smith.

Meet the team

Steve Rowe

Director & Lead Financial Adviser

Steve is a chartered financial planner and fellow of the Personal Finance Society. He holds the Advanced Diploma in Financial Planning and certificates in Equity Release, Life & Pensions and Trusts & Estates Planning. He set up Lucent in 2009 after a six-year career at a large financial services company as an adviser. He says: “I didn’t like the way large corporations did things and I knew I could do better for the people I was advising. I realised then I wanted to be independent, to work for the individual, not the corporation. I set up Lucent to help people truly understand their wealth and use it to maximise their enjoyment and lifestyle. Although the technical aspects can be less-than-riveting, good financial planning is at the forefront of living a less stressful and ultimately more fulfilling life. I believe life is for living and money is for spending, not for accumulating. You have to live life now because you never know what’s around the corner. But you also have to be sure that you’ve got enough for tomorrow. You only know that if you plan.”

Connect with Steve on LinkedIn

Hannah Knight

Chief Operating Officer

Hannah has been working in the financial services industry since 2001. Hannah holds a Diploma in Financial Planning, plus certificates in Auto Enrolment, Equity Release, Life & Pensions and Trusts & Estates Planning. She is also a qualified project manager (PRINCE 2 Foundation and Practitioner qualified). She joined Lucent in December 2017, where she’s responsible for HR, project management, strategy, compliance and risk management. Hannah works mostly behind the scenes, developing relationships with complimentary financial services companies and driving improvements which make everything easier for our clients. “This includes making sure we have the right technology, people and products, and the best relationships with third party businesses so our clients get the best service possible,” says Hannah. “Lucent has a 100% family ethos with a heart. It’s a strong, dynamic company with loyal customers, and Steve is a truly unique, genuine person.”

Connect with Hannah on LinkedIn

Lisa Weatherstone

Senior Analyst and Client Liaison Manager

Lisa has more than two decades of client and account management under her belt, including six years at a wealth management company. Joining Lucent in June 2016, she liaises with third party product providers to create analytics reports on our clients’ existing investments and pensions, then carries out research to create personalised illustrations on new products. She says: “What I like most about being part of Lucent is understanding what our clients already have and what they might need, then helping them achieve their life or retirement goals to live a life full of stress-free adventures.”

Jo Appleton

Financial Administrator

Jo’s background includes 13 years in the insurance industry as technical back office support. She was the first team member to join Steve in October 2014. Today she provides day-to-day admin support to Steve and the team, answering client queries and dealing with compliance-related matters. She says: “We’ve got a really approachable, supportive and focused team here. We also follow through on our no-jargon approach when talking to clients, to make everything as simple as possible.”

Luke James

Senior Analyst and Paraplanner

Luke has been in the financial services industry since 2011 with a high level of experience in Independent Financial Advice firms. Luke holds the IFS Financial advice Diploma demonstrating a great understanding and knowledge. Luke joined Lucent in 2018 and says “I chose to continue my career at Lucent as I really enjoy the family feel to Lucent and how close everyone is, genuinely caring about the end client whilst also providing exceptional advice”. Luke provides detailed analytical research to our clients providing illustrations and reports tailored to each customer ensuring their requirements are dealt with efficiently and accurately every time.

Hena Parekh

Senior Analyst and Paraplanner

Hena, started in the Financial Services industry in 2008 and has mounted experience in running a business, conducting a client centric approach and delivering upon customer expectations. Hena has achieved the Diploma in Financial Services and she is continuing in her studies towards Chartered Status. Hena is delighted to have joined Lucent Financial Planning and to be counted amongst its elite team of analysts. “I chose Lucent Financial Planning  as my Employer for continued growth and support, but more importantly how they genuinely value employee opinions”. An accomplished linguist and with a strong ethical approach to all things, Hena will provide a robust approach to Financial Planning services.

Based in the beautiful Malvern House, Solihull

Book a meeting with Lucent to see how we can help you live the life you want.