Living a LifeWell-Spent
At Lucent, our Chartered financial planners help you design your future on your terms. We’ll help you find your purpose, organise your finances, giving you the clarity and confidence to design the life that you want. No jargon, no one-size-fits-all solutions, and no hassle.
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Chartered Experts.Independent Advice.
At Lucent, expertise isn’t just a claim—it’s a commitment.
As an independent and Chartered financial planning firm, we take things seriously. You can place your trust in us—we’ve got the credentials to prove it.
A Chartered Financial Planning Firm
Holding Chartered status means we’ve committed to the highest level of professionalism, ethics, and expertise in financial planning—ensuring our advice meets the strictest industry standards.
A Safe Pair of Hands
As members of the Financial Vulnerability Taskforce, we champion fair, transparent, and responsible financial advice, with a strong focus on supporting clients in vulnerable circumstances.
Cyber Essentials Certified
Certified by the National Cyber Security Centre (NCSC), we safeguard your personal and financial data against cyber threats, keeping your information secure from the most common online attacks.
We Help You Plan for a Better Financial Future
We get it—money can be a source of stress, confusion, or even fear.
At Lucent, we’re here to turn that around. Our mission is to help you feel empowered, confident, and in control of your financial future. With our straightforward, no-nonsense advice, you’ll gain more than just a bespoke financial plan—you’ll gain the freedom to live life on your terms.
Here’s how we help:
Financial Planning for Individuals & Families
From modelling how you spend through to leaving a lasting legacy, our holistic financial planning service covers all you need to build a better future.
Financial Planning for Business Owners
Whether you’re navigating business growth, planning an exit, or securing your future, we’ll ensure your hard work pays off.
Financial Planning for Your Stage of Life
Whether you're starting out in your twenties or planning for later life care, discover what you need to be doing to maximise wealth accumulation.
Financial Planning for Life-Changing Events
From a big win on the National Lottery or receiving a windfall to losing a loved one, discover how to set yourself up for life-changing events.
When You Might Need Us
We know that you have worked hard for your money. And now you want to make sure it was all worth it. Do you have questions like these?
- "I’m ready to work less, can I afford to retire?"
- "I am looking to grow my wealth. What should I do?"
- "How can I maximise the proceeds from the sale of my business"
- "I have come into an inheritance, what should I do with the money?"
- "I am going through a big life change, how can I make sure me and my family are ok?”
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We Help You Overcome Financial Worries
Don't let worries about your money or finances give you a bad night's sleep. Our financial plan comes with a complimentary financial wellness service that helps you regain confidence, reduce stress, and build a secure, worry-free financial future.
- Financial Uncertainty: You want to understand the options available to you and your family for a secure financial future.
- Financial Confusion: You may have lots of different pots in different places and you’re unsure what to do with them all.
- Financial Boredom: You may not understand the way your money works and you find managing your finances boring.
- Financial Anxiety: You may have deep rooted behaviours that hold you back from enjoying your money.
We Bring Meaning to Your Money
At Lucent, we help you bring meaning to your money by aligning it with what truly matters.
Through our expert guidance, we provide peace of mind, maximise your happiness, keep you on track, and ensure long-term financial wellness—so your wealth works for you, not the other way around.
Here’s why clients across Birmingham and the Midlands choose us:
Peace of Mind
Our team will craft you a resilient financial plan, so you can approach your future with confidence.
Keeping You on Track
Through regular reviews and accountability, we keep you aligned with your goals, ensuring you stay the course toward a rewarding future.
Financial Wellness
We help you to focus on the things that make your feel healthy, both physically and mentally.
Maximising Your Happiness
Your money should be used to make you feel happy. Our financial plans are built so you can spend more time doing the things that truly matter.
We Share a Whole Lot of FunAlong Your Journey
As a client, you are more than just a client—you're part of the Lucent community.
We believe financial planning isn’t just about money; it’s about enjoying life with like-minded people. Whether it’s learning together, exploring new places, or celebrating at exclusive events, we create experiences that feel more like fun with friends than business.
Educational Seminars
We are on a mission to help bring clarity to the mystical world of finance! We do this through engaging seminars, workshops and providing you with up to date educational content through our Ubuntu app.
Events That Make You Smile
We love bringing our community together for tailored events like meals, wine tastings, and golf. Our popular Walk & Talk sessions combine wellbeing, fun, and great company—because financial planning is about enjoying life, not just managing money!
Community Platform
Ubuntu is our private mobile platform where you can connect with fellow clients who share a similar zest for life. Build long-lasting friendships, get involved with new hobbies and feel part of a genuine community.
A Simple, Straightforward Approach to Financial Planning
Financial planning doesn’t have to be dull or overwhelming. Planning for your future should be exciting, and we make sure that it is.
At Lucent, we like to keep things simple, engaging, and—dare we say—fun! It all starts with a relaxed conversation about you—your dreams, bucket list adventures, and the people or causes that matter most. No jargon, no hard sell—just a clear, straightforward process to give you the confidence your money is working for you.
Here’s how our process works:
1. Getting to Know You
We’ll explain how we work and learn about your life goals, available capital and attitude to risk. We’ll provide our terms of engagement so you have a clear understanding of how things work.
2. Building Your Bespoke Plan
We’ll design and create an exciting life plan unique to you, your goals and your profile, including extensive financial forecasting and recommendations based on our first meeting. You won’t pay anything for the plan at this stage.
3. Presenting Your Plan
We explain your personalised financial plan and back up our recommendations; the strategies, tactics and costs. We can explore other scenarios and edit the plan, where necessary.
4. Conducting the Research
This stage helps us create a robust financial plan that works hard for you. We do our homework to make sure your money can help you to achieve your goals. We also decipher the small print so there are no nasty surprises.
5. Ongoing Support & Review
Our ongoing service is offered where we believe this is of benefit to you. We monitor the products and make incremental changes where necessary, update you on the fund performance and legislation, and keep you focused during volatile markets.
Meet Our Financial Experts Who Care About You
We have built a team that genuinely cares about our clients. We do everything possible to help you find your purpose, organise your finances and design the life that you want, and deserve.
More Than Just NumbersIt’s About Your Life
We know that some people find numbers, spreadsheets and graphs their financial kryptonite. So that's why we do all the boring stuff on your behalf.
Our purpose is to help you get the most out of your life by making sure your money works as hard as you do. With our fun and friendly approach, no-nonsense advice, you’ll gain more than just a financial plan—you’ll gain the freedom to live life on your terms.
Tailored Advice
No cookie-cutter solutions here. We create personalised plans that adapt to your lifestyle, ambitions, and financial situation.
Expertise You Can Trust
Our team combines years of experience with cutting-edge financial strategies, ensuring you receive the best guidance tailored for today’s world.
Friendly, Fun, and Honest
We’re not your typical financial planners. With us, you’ll get down-to-earth advice that cuts through the noise and keeps things light, fun and simple.
The Lucent Community
Our clients have a lot in common with each other so that’s why we’ve built a loyal community where we share the fun things in life.
Why Choose Lucent for Your Financial Planning?
Our financial planners, with the support of our wider team, work tirelessly to ensure our clients receive the highest standards of advice and care. We are proud of the reviews we receive on third party sites.
What Our Clients Say
We’ve helped hundreds of clients in Birmingham and across the Midlands achieve financial peace of mind, freedom, and happiness.
Here’s what a few of them have to say...
"Kate has made everything so clear and easy to understand and has put together a retirement and pension plan that supports my future wishes and ambitions."
"I'm really happy with their service! They took the time to understand my unique situation and goals, ensuring every recommendation aligned perfectly with my needs."
"From the very first moment of meeting, we were made to feel so welcome. We felt so relaxed and at ease. We felt staff were honest and trustworthy and talked in a way we understood."
"Steve understands our objectives, listens to our needs and what we require. He advises us how to best achieve our goals and encourages us to go ahead with our retirement. We are very happy with the current progress."
"Our primary concern was getting our pensions in order, Kate took a different approach and asked what we wanted from our retirement. This wasn't just financial planning, this was lifestyle financial planning."
"We have used Lucent for several years and found them outstanding advisors. Steve Rowe is an outstanding example of how a brilliant advisor can turn around even the most sceptical client."
"Keely has been excellent in explaining so we clearly understand our pensions and investment options. The outcome has exceeded our expectations, the service we have received from Keely Woods has been exceptional."
"We have been with Steve for over 10 years. We have got to treat him as a friend now. Steve has guided us through some tough times on the way to retirement, we have always trusted his judgement."
"Steve has also stepped in with advice that has saved a significant amount in taxation over the past year and helped me in readiness for retirement."
"Luke has listened and understood our needs and provided very thorough explanations of our options to enable us to make a very informed decision."
"From the very first moment of meeting, we were made to feel so welcome. We felt so relaxed and at ease. We felt staff were honest and trustworthy and talked in a way we understood."
"Steve I would like to thank you for your support, understanding and advice. You have provided us with clear and concise details enabling us to make informed decisions."
"They're Very Approachable"
Solihull businessman Tim was looking for a financial planner that was down-to-earth and could explain things in laymen's terms. Hear why Tim chose Lucent.
Ready to build your financial plan?
Contact Lucent today to start building a financial plan that secures your family’s future and maximises your earning potential.
- Do you have investible assets of £500k or more and seek professional financial planning?
- Are you focused on growing your wealth while balancing family and career responsibilities?
- Do you want to optimise your tax position and investment strategy during your peak earning years?
- Are you looking for guidance on planning for your children’s education and your future financial goals?
If you answer yes to the above, get in touch.
FAQs
Financial planning is a roadmap for your financial future, encompassing the understanding of your current situation, setting life goals, and developing strategies for achieving them, including budgeting, saving, investing, and retirement planning.
Yes! Lucent Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority, and entered on the Financial Services Register (https://register.fca.org.uk/) under firm reference number 945107. You can get more information in the footer section of this website.
Please note: The Financial Conduct Authority does not regulate Inheritance Tax Planning, Tax Planning or Business Planning.
Yes! We are proudly independent and provide unbiased financial advice to all our clients. We are not part of a broker-dealer, nor are we tied to any financial institutions or financial products.
Yes! Many of our Financial Planners hold Chartered status with the Chartered Insurance Institute (CII). Chartered Financial Planners are considered as the highest qualified in the UK. To maintain Chartered status, our experts are required to maintain their standards through on-going professional development, adhere to the CII's code of ethics and demonstrate a commitment to delivering high-quality service to clients.
No. Whilst our main office is located in Solihull, many of our clients come from all areas of the United Kingdom. We can serve you equally well whether you prefer to meet us in person or by video call.
Preferably, but we are also available on video call.
Absolutely! Many of our clients have switched to Lucent from other providers, some of which are the large financial institutions that make the headlines for the wrong reasons!
They most certainly are - and we are proud of every single one! Our clients value the 'je ne sais quoi' we put into forging deep and meaningful relationships and are only too happy to share their Lucent experience on independent rating sites.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.