Our Investment Philosophy
Navigating the investment world can feel overwhelming. Our evidence-based, risk-managed approach ensures your money works for you—minimising uncertainty, reducing costs, and helping you build lasting wealth with confidence.
.webp)
Our Evidence-Based,Risk-Managed Approach
At Lucent, we’ve designed our investment approach with one clear goal: to help you grow your wealth over the long term while minimising unnecessary risks and costs. By sticking to a disciplined, evidence-based strategy, backed by decades of market insights and academic research, we make sure your investments work hard for you—without the guesswork.
Here's our key principles to managing your investments:
Evidence-Based Investing
We don't believe in trying to outsmart or time the market—those strategies often lead to disappointment. Instead, we rely on hard data and proven research to guide our investment decisions. By focusing on long-term market returns rather than short-term gains, we help you build wealth steadily and securely.
Diversification
You’ve heard the saying, “Don’t put all your eggs in one basket.” That’s exactly what diversification is about. By spreading investments across different asset classes, industries, and regions, we aim to reduce risk. This helps protect your portfolio from the unpredictable ups and downs of any single market, creating a more resilient investment strategy.
Cost-Efficiency
Costs matter—a lot. Over time, high fees can eat into your returns, reducing the overall growth of your wealth. At Lucent, we focus on low-cost investment strategies, so more of your money stays in your portfolio, working for you. It’s not just about how much you invest—it’s about keeping costs down so your returns go up.
Risk Management
Everyone has a different comfort level with risk, and at Lucent, we understand that. We take a personalised approach, creating portfolios that match your specific risk profile. By balancing your need for growth with the importance of protecting your capital, we make sure your investments align with your goals, while keeping risk under control.
Behavioural Coaching
Investing can be an emotional rollercoaster, especially during market downturns. That’s where we come in. We offer behavioural coaching to help you stay calm and focused, guiding you through market ups and downs so you don’t make emotional decisions that could harm your long-term goals. We help you stick to your plan—even when the going gets tough.
.webp){kind=icon}
Sustainable Investing Options
For those who want their investments to reflect their values, we offer sustainable investment options. These portfolios integrate Environmental, Social, and Governance (ESG) factors, allowing you to invest responsibly without sacrificing returns. It’s about making sure your money does good for both you and the world.
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 let us manage your investments?
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.