Meet the team


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


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


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

Steven Rowe

Steve Rowe

Director & Independent Financial Planner

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

Click below to learn more about Steve

Kelly Xue

Kelly Xue

Chartered Financial Planner

Kelly is a highly thought of Chartered 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”

Kelly has a particular interest in planning for later life care and is a member of SOLLA (Society of Later Life Advisers).

 Connect with Kelly on LinkedIn

Click below to learn more about Kelly

Luke James

Luke James

Independent Financial Adviser & Planner


Luke has been in the financial services industry since 2011 with a high level of experience in Independent Financial Advice firms. Luke holds the PFS Diploma in Regulated Financial Planning and Advanced papers in Financial Planning Process. He 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 providing exceptional advice”.

Luke’s in-depth knowledge of the financial industry, providers and markets enables him to bring the most complex financial matters to life in a way that is easy to understand, creating tailored solutions that perfectly suit the varying aims and needs of his clients.

Luke specialises in Pension Divorce and works closely with local Family Law Solicitors. He is an Associate Member of Resolution, a community of family justice professionals who work with families and individuals to resolve issues in a constructive way.

Connect with Luke on LinkedIn

Click below to learn more about Luke

Hannah Knight

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

Rich Chamberlin

Richard Chamberlin

Client Experience Manager

Richard has over 15 years’ experience as a relationship manager. He has a proven track record on-boarding new customers through an approachable and personable style with a consultative attitude, which over the years has always enabled him to establish strong business partnerships with the focus always on ensuring a high level of customer satisfaction and an excellent customer experience. 

“The great thing about working for Lucent is the closeness of the team, and the feeling you have that you can make a difference both to the business and to our clients every day”.

Outside of work Richard loves his sport, and is the proud father of two young children, who keep him busy!

Connect with Richard on LinkedIn

Kate Evans

Kate Evans

Client Liaison & Paraplanner

Kate, with much excitement, went from an established career and senior role in Procurement and Supply Chain to Financial Planning, and joined the Lucent Family in June 2021. She says, “I feel very lucky to be part of such a fantastic company. I love our ethos and how we put the client at the heart of everything we do”. Kate brings her passion for people, simplifying the complex, and strategic mind to supporting clients.

Adventure features prominently in Kate’s love for competing in crazy endurance events. In Summer 2021, she completed a 50 mile ultramarathon over the Lake District, being cheered on by partner Richard and their two cats, Arnie and Sly.

Heather Bendall

Heather Bendall

Client Liaison & Paraplanner


Heather started her career in Financial services in the early 2000’s then moved into account and relationship management roles within the finance sector. She has now returned to Financial Services after taking some time out looking after her two young daughters and is currently studying for her Diploma in Financial Services.

Heather says, “I joined Lucent as I could see from the very first meeting that they strive to do their very best by their clients and have an amazing supportive team culture to achieve this. The main objective is to put clients first and everyone plays their part to contribute to the family feel within the company.”  Fun fact – Heather was a ballgirl at Queen’s, so is an expert at avoiding speeding tennis balls (we are yet to test this skill in the office). She even caught Stefan Edberg’s ball once – what a claim to fame!

Karen McKim

Karen McKim

Senior 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, and across the wider Lucent community”.

Paige Coles

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”.

Lisa Weatherstone

Lisa Weatherstone

Client Liaison

Lisa has more than two decades of client and account management under her belt, including six years at a wealth management company. Joining Lucent in June 2016, she liaises with third party product providers to create analytics reports on our clients’ existing investments and pensions, then carries out research to create personalised illustrations on new products.

She says: “What I like most about being part of Lucent is understanding what our clients already have and what they might need, then helping them achieve their life or retirement goals to live a life full of stress-free adventures.”


Lucent Mascot

Penny joined the Lucent team in 2020, and takes on the important role of team Mascot! She has joined the team to help demonstrate our services and benefits and bring to life what we do for our valued clients. Penny has a passion for enjoying life, and is committed to living hers to the full; and she thinks everyone should do the same!

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