Welcome to Lucent Financial Planning!
We are a down to earth and truly independent Chartered financial planning firm based in the heart of the Midlands, Solihull.
We pride ourselves in doing the right thing by all of our clients. We work together, with you, to help you live the life you want.
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in person or online
Associate Firm: Personal Finance Society
We help ambitious business leaders make better
financial decisions to realise their dreams..
Get to know our advisers
Steven Rowe
Director & Independent Financial Planner
Kelly Xue
Chartered Financial Planner
Luke James
Independent Financial Adviser & Planner
Meet the team
Our service is personal to you.
Each member of our team is dedicated to providing the best service possible, with a friendly, human touch, and always with your best interests at heart. We aim to break the mould of a boring financial company and focus on making your experience interesting and fun!
Find out more about us
What we do
We remove worry, minimise risk and maximise return through our holistic Life Planning service.
That means we work with you to get you to where you want to be, from savings and investments to insurances and protection, retirement planning, inheritance tax and more.
Find out more about our services
Why us?
Everything we do is for the individual, in line with their unique hopes and dreams for the future & their attitude to investment & risk.
We develop a robust plan, then work with clients to help them stay on track and reach their individual goals.
Find out more about our approach and the results we get.
Our Community
At Lucent, we do things differently.
We pride ourselves on our family feel, and strive to build a strong community with colleagues, clients and local individuals and businesses. We run regular social and educational events to help with your finances and your life!
Find out more about our past and upcoming events
Not ready for our full advice service?
Our Remote Guidance offering may be just what you’re looking for!
Build your own Life Plan!
Everything starts with a plan.
Here at Lucent we give you the opportunity to build your own. Whether you want a simple indication or a more Comprehensive option. There’s something for everyone. It’s yours to keep for life!
Click here
Build your Personal Hub!
Whether you join us for your ongoing advice support or want to do it yourself.
You can build your own Personal hub. You will have access to your accounts all in one place, an information hub at your fingertips and much more!
Click here
What our clients say
Testimonials
Julie Bedford, Birmingham
We both understood the importance of financially planning for our future before we retired. But when a parent dies and you find yourself at your most vulnerable I was able to make a quick decision to retire early confident that we had enough funds to do so, and enabling me the time to sort out the estate without worrying about work.
Stuart, Solihull
Steve advised me to retire three years early (after changes meant early retirement would reduce defined benefit pensions). Three years later, I am still as wealthy as I would have been had I went into the office. Thanks for the three years’ holiday, Steve.
Rachel, Birmingham
Steve is brilliant! He is thought provoking and has really made us think about our long term future and plans! We completely trust him to help us achieve our financial goals
Rob & Julie
Thank you soooo much for your valued advice – this has enabled us to achieve our dream of early retirement and a ‘most wished for’ move to Cornwall
Colin, Birmingham
I find Lucent to be a very friendly and sociable, very professional and trustworthy. I am confident to have Steve Rowe and his staff as my financial advisers and so far have successfully accumulated my retirement funds
Anon, Birmingham
I would highly recommend the services. Advice has been given in a very clear and professional manner without any pressure to make investment decisions that I am not fully sure of
Steve B, Solihull
All my complex demands are always considered, followed by excellent advice. Steve has been outstanding the last 7 years , so I’m looking forward to an exciting retirement
The performance of the financial direction work well and he’s helping us look at projections for the future and manage our money to get the best out of it
Chris, Solihull
Steve saved me annual income tax bills in excess of £60,000 after I’d bought an investment abroad. If it were a number of years before I noticed, the tax penalties would have been huge.
Charlotte,
Kelly has been extremely professional throughout the whole process of my future financial planning, explaining complex financial matters in a way I have fully understood. Kelly is a cheerful person, who is extremely approachable but also very knowledgeable. I trust Kelly’s advice
Sandra and Craig,
>We officially became millionaires earlier than expected thanks to a pension, tax savings and high-performing investments over six years — that’s not even including our home.
Julie Bedford, Birmingham
We both understood the importance of financially planning for our future before we retired. But when a parent dies and you find yourself at your most vulnerable I was able to make a quick decision to retire early confident that we had enough funds to do so, and enabling me the time to sort out the estate without worrying about work.
Stuart, Solihull
Steve advised me to retire three years early (after changes meant early retirement would reduce defined benefit pensions). Three years later, I am still as wealthy as I would have been had I went into the office. Thanks for the three years’ holiday, Steve.
Rachel, Birmingham
Steve is brilliant! He is thought provoking and has really made us think about our long term future and plans! We completely trust him to help us achieve our financial goals
Rob & Julie
Thank you soooo much for your valued advice – this has enabled us to achieve our dream of early retirement and a ‘most wished for’ move to Cornwall
Colin, Birmingham
I find Lucent to be a very friendly and sociable, very professional and trustworthy. I am confident to have Steve Rowe and his staff as my financial advisers and so far have successfully accumulated my retirement funds
Anon, Birmingham
I would highly recommend the services. Advice has been given in a very clear and professional manner without any pressure to make investment decisions that I am not fully sure of
Steve B, Solihull
All my complex demands are always considered, followed by excellent advice. Steve has been outstanding the last 7 years , so I’m looking forward to an exciting retirement
The performance of the financial direction work well and he’s helping us look at projections for the future and manage our money to get the best out of it
Chris, Solihull
Steve saved me annual income tax bills in excess of £60,000 after I’d bought an investment abroad. If it were a number of years before I noticed, the tax penalties would have been huge.
Charlotte,
Kelly has been extremely professional throughout the whole process of my future financial planning, explaining complex financial matters in a way I have fully understood. Kelly is a cheerful person, who is extremely approachable but also very knowledgeable. I trust Kelly’s advice
Sandra and Craig,
>We officially became millionaires earlier than expected thanks to a pension, tax savings and high-performing investments over six years — that’s not even including our home.
Based in central Solihull…
We know parking in the town centre can be tricky, so we offer free parking for all meetings at our offices, at Lode Lane car park, just next door. We’ll book for 3 hours, so there’s no rush for the meeting, and you’ll even have time to pop into town for refreshments or a quick shopping trip!