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 founding adviser, 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 & 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

Mo Khan, AFPS

Financial Adviser

Mo is a Chartered Financial Planner whose approach is to engage with clients on a personal level to truly understand their needs and objectives, and to provide advice and guidance towards achieving their financial goals and aspirations.  Mo’s friendly approach and ability to develop trusting relationships has allowed him to build successful relationships with a variety of clients, ranging from individuals, owner-manager businesses and small medium enterprises (SMEs). Mo specialises in providing Tax & Estate Planning, Wealth Management & Investment Advice, Retirement & Pensions Planning, Tax-efficient Profit Extraction for business owners, Life Assurance Planning (personal and corporate) and Cash Flow Planning & Forecasting. Through his commitment to continued learning, Mo has achieved the level of ‘Chartered Financial Planner’, which represents the pinnacle of professionalism within Financial Planning. Outside of the office, Mo enjoys travelling, and in particular, experiencing and learning about different cultures and ways of life. Mo is also a keen footballer, and more recently, has decided to master the art of golf in the hope of being the next big thing.

Connect with Mo on LinkedIn

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.

Kelly Xue

Senior Analyst and Paraplanner

Kelly has been working in financial services since 2016. Kelly chose to be a part of the Lucent team because there is a friendly and supportive atmosphere. Kelly has oriental origins, is fluent in many languages and was raised in a small town in Italy moving to the UK in 2014. Whilst working full time in Wealth management, Kelly successfully completed the Diploma in Regulated Financial Planning along with the Award in Long Term Care Insurance with the Chartered Insurance Institute. Moreover, she is further enhancing her technical and market knowledge through wider reading as well as self-study towards the Advanced Diploma in Financial Planning. Her aspiration is to eventually become a distinctive Chartered Financial Planner. At Lucent Financial Planning, Kelly is responsible for the analytical research to identify the most suitable solutions for our clients and creation of reports for a clear representation.

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.”

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