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.

START WITH DREAMS

We focus on your dreams, not percentages and numbers—and we want to hear your future vision.

A GUIDING HAND

We give you guidance to help you make your own decisions by understanding your fears and ambitions.

CONFIDENT, UNBIASED

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 & Independent 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

 

Kelly Xue

Independent Financial Adviser

Kelly is a highly thought of Financial Planner with excellent client commendations. Kelly holds the certificate in Pension Transfer Advice and Award in Long Term Care insurance as well as Advanced Diploma papers in Financial Planning Process, Personal Tax and Trust Planning, Pension Transfers and Retirement and Income Planning.
Family is really important to Kelly, who was raised in a small town in Italy moving to the UK in 2014. She has oriental origins and is fluent in many languages.
Kelly joined Lucent in 2018, She says: “I really value the friendly and supportive atmosphere and how we treat our clients. Providing clients with truly independent advice is crucial and I pride myself in doing the right thing by them”

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.”

Connect with Hannah 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.

Jean Paul Betancourt Paz

Paraplanner & Business Development Manager

Jean Paul has a strong academic background in investments and financial services. He was born in Colombia and chose a career in Financial Services after suffering from a lack of personal financial planning. He has passion for financially educating people from his time teaching at a leading university and from his previous industry experience. He holds a Diploma in Financial Planning and is working towards achieving Chartered status. Jean Paul joined Lucent as he felt that we “genuinely care about clients and are a people focused business”.

Aman Sunsoa

Trainee Paraplanner

Aman has been customer facing since 2012, managing queries and ensuring a high level of customer satisfaction. He commenced his Financial Service studies in 2018 working towards Diploma in Regulated Financial Planning and Certificate in Paraplanning.
Aman says “My goal is to become a Financial Advisor. I want to help people get more out of life, helping them to use what they have and allowing them to enjoy more of what the world has to offer” Aman can speak, read and write in Punjabi fluently as well as speaking Hindi and Urdu.
“I joined Lucent because of the personal touch we provide to customers and the family attitude we have. We have the customer at the heart of everything we do and aim to provide the best service we can. At Lucent, we do things differently. Rather than just treating people like a number we like to tailor our services to suit our individual clients”

Karen McKim

Client Liaison

Karen comes from a background in communications and marketing. Karen has a real passion for people and a keen eye for detail, both key to her role as client liaison and working in support of the rest of the team. “The best thing about Lucent is the care and attention given to each individual client – we work with people, not numbers, and that’s something you can really feel across the team”.

Paige Coles

Client Liaison

Paige has worked in the financial services industry since 2017, supporting IFAs and their clients to ensure they have the best service possible. Paige Joined Lucent in 2020 as she was eager to become part of a caring and kind natured firm. “The ‘family’ feel puts a personal and trusting twist on the support and advice the firm offers. Feeling less like a number and more like a member of a close-knit team makes me more ambitious to achieve and grow with the company”.

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