Welcome to the Lucent Knowledge Base

We hope you will find the content here both insightful and interesting.

Guide to Retirement

If you are aiming to retire within the next five years, it’s time to get into the mindset of considering the practicalities of fulfilling your desired lifestyle and making plans. While you should think about retirement planning as early as possible, the five years...

Guide to Wealth Preservation

Welcome to our Guide to Wealth Preservation. Our advice can help you preserve and protect the wealth you’ve amassed through hard work, inheritance or good fortune. Inside our guide, we look at the number of key areas that will enable you to put in place an effective...

Guide to Tax Matters

In this guide we set out the main tax changes that apply to the 2019/20 tax year, which commenced on 6 April 2019. Reviewing your tax affairs to ensure that available reliefs and exemptions have been utilised, together with future planning, can help to reduce your tax...

Inheritance Tax

the time of writing this issue, the uncertainty around the terms of Brexit have been extended to a new deadline set for 31 October. All we can do is expect the best, prepare for the worst and capitalise on what comes. Inheritance Tax is no longer something that only...

Guide to wealth Creation

Welcome to our Guide to Wealth Creation.   Anything is possible when you manage your money the right way. There are always going to be bumps in the road on every journey, but the key is to be able to put a plan in place that is flexible enough to adjust to the...

Year End Tax Planning 2018/19

When it comes to tax, leaving important planning to the end of the tax year can cost thousands. So now is your last chance to get your tax affairs in order before the end of the 2018/19 tax year. We’ve provided a summary and tips for some of the key tax and financial...

Life after work

Welcome to our latest issue. Robert Kiyosaki, the American businessman and author of the best-selling book Rich Dad, Poor Dad, once remarked, ‘Making money is common sense. It’s not rocket science. But unfortunately, when it comes to money, common sense is uncommon.’...

Guide to individual saving accounts

Individual Savings Accounts (ISAs) are an incredibly effective means of shielding your money from both Capital Gains Tax and Income Tax. Using your tax-free allowances every year should be a standard part of your financial planning. Each tax year, we are each given an...

Key Questions for Long-Term Investors

Asking the right questions and following a few key principles can improve your odds of long-term investment success.   Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of...

Smart Money Nov-Dec 2018

Although the current tax year does not end until 5 April 2019, tax planning shouldn’t be a mad March rush. Now is the perfect time get a head start on your tax planning resolutions to enhance your own, your family’s or your company’s...

Guide to Shareholder and Partnership protection

Good health, good business. If your business partner or a shareholder died or became critically ill, have you ever thought what the impact could be? The loss of a business partner or a shareholder can have a major impact on the success of any business. But it’s not...