Our Financial Planning Philosophy
Money is a tool, not the goal. Our holistic, purpose-driven approach helps you gain clarity, build confidence, and create a financial plan that truly supports your life’s ambitions.
Discover Our HolisticPurpose-Driven Approach
At Lucent our philosophy is simple: we’re here to help you gain clarity, build confidence, and live a life of freedom—today and tomorrow. Our approach is deeply personal, centred around understanding your life goals and helping you achieve them.
Whether you’re saving for retirement, funding your children’s education, or preparing for life’s big moments, we’ll help you create a financial roadmap that empowers you to make choices that truly matter.
Tailored Planning for Unique Lives
No two clients are alike, and at Lucent, we don’t believe in a “one-size-fits-all” solution. When you come to us, we start with a blank canvas. Your financial plan is crafted specifically for you, reflecting your unique circumstances, lifestyle, and aspirations. And as your life evolves, so does your plan. We’re with you every step of the way, adapting your strategy to keep you on track as your priorities shift and grow.
Empowering You to Live Your Best Life
Financial planning should be about more than just preparing for the future—it’s about helping you live your best life right now. We don’t just focus on how much you should save or invest; we work with you to explore why you’re saving. Whether your dream is to retire early, travel the world, or spend more time with family, we’ll equip you with the financial strategies and tools to turn those dreams into reality. Your money should serve your life, not the other way around.
Education and Support at Every Step
We believe that informed clients make the best decisions. That’s why education is at the heart of everything we do. We take the time to walk you through every decision, every investment, and every strategy—ensuring that you feel confident in your financial future. At Lucent, you’ll never be left in the dark. We prepare you for the ups and downs of the market, so you can move forward with confidence, knowing that you’re always in control.
Always Acting in Your Best Interest
Integrity is non-negotiable at Lucent. We always put your best interests first, even if it means advising against decisions that could benefit us. You can trust that our recommendations are based on what’s right for you, not what’s easiest or most profitable for us. We believe in building long-term relationships based on transparency, trust, and doing what’s best for you—every single time.
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."
Ready to build your financial plan?
Contact Lucent today to start building a financial plan that secures you and 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.