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.
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.”
Meet the team
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
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”
Connect with Kelly on LinkedIn
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
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”.
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.”
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 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”.
Ben has a background beginning in hospitality since 2016, working at events and customer management alongside completing a physics degree at the University of Birmingham. Ben joined Lucent as he wanted to help people achieve their financial goals, and felt that Lucent had a much more customer-oriented approach than other establishments. “I love how well everyone gets along and that kind of relationship building and maintenance trickles down to the client, including them in a connected and happy environment.”
Fun Facts: Played rugby for ages, still ‘try’ing to aha, has a black lab pup called Billy, a bright orange Renault Clio, called the Baked Bean, and his first actual job was a barman in a local pub in 2014 and was in the process of applying for a personal licence before the world of financial planning became his calling!
Professional Connections 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!
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!