Financial Planning byStage of Life
Your financial priorities evolve as life moves forward. Whether you're building wealth in your 30s, planning for retirement in your 50s, or preserving your legacy in later years, we’ll guide you through key financial decisions at every stage to keep you on track.
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Helping You Build a Plan That Fits With Your Life Stage
Most people will delay building a financial plan until a few years before they are due to retire. But we advocate that you should start planning for your financial future as early as you can.
Here’s where we can help:
Financial Considerationsfor Different Age Groups
Your financial needs evolve over time.
As you get older, your financial priorities change. So it's important that your financial plan adapts, keeping you on track at every stage.
Here are the common financial priorities by age group:
20-35 Year-Olds
Are you thinking about buying your first home or starting a family. We can help you make sure that you’re setting yourself up for long-term financial success while still having a blast in the present.
35-50 Year-Olds
Is your career is advancing and you’re starting to think seriously about your long-term financial future? We can help you balance family costs, homeownership, and retirement planning.
50-65 Year-Olds
You’ve spent years saving, investing, and climbing the career ladder. We can help you prepare for a smooth transition into retirement while making sure you still get to enjoy life along the way.
65-75 Year-Olds
You’re likely fully retired or only working a bit on the side. We can help ensure your wealth is doing its job—supporting your lifestyle, covering any surprises, and giving you peace of mind for the future.
75+ Year-Olds
Your financial priorities have shifted from growing your wealth to making sure it lasts. We can ensure you can live comfortably without stressing over money, healthcare costs and living expenses.
Why Choose Lucent for Your Family’s Financial Planning?
Our financial planners, with the support of our wider team, work tirelessly to ensure our clients receive the highest standards of advice and care. We are proud of the reviews we receive on third party sites.
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.