Our FinancialPlanning Services
Experience our human-led financial planning service that's delivered by our fun and friendly team of independent chartered financial planners.
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Helping Clients Across the Midlands Build a Better Financial Future
We get it—money can be a source of stress, confusion, or even fear. At Lucent, we’re here to turn that around and we do this for people living in the Midlands region, and those who live further away.
Our mission is to help you feel empowered, confident, and in control of your financial future. With our straightforward, no-nonsense advice, you’ll gain more than just a financial plan—you’ll gain the freedom to live life on your terms.
From modelling your spending habits through to leaving a lasting legacy, our holistic financial planning service covers everything you need to build a better future.
From having the right financial protection through to maximising the proceeds of an exit, our holistic financial planning service removes some of the worry of running a business.
Our Holistic Approach toBuilding Your Financial Plan
At Lucent, we’re all about making your money work as hard as you do.
Our full financial planning service covers everything you need to sort out your finances and keep things moving in the right direction.
Here’s what's included in your financial plan:
Retirement Planning & Pensions
Whether you’re dreaming of a beachside villa or just want to kick back with family, we make sure your retirement savings and pensions are up to the job. Using cashflow modelling, we’ll show you how your future income and expenses stack up, so you can plan with confidence.
Inheritance Tax & Estate Planning
Want to pass on your wealth without a chunk going to the taxman? We help you build a plan that protects your legacy. From trusts and wills to gifting strategies, we make sure your estate is structured in the most tax-efficient way possible.
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Investment Management
We don’t believe in cookie-cutter investment advice. We create a personalised investment strategy that’s designed to grow your wealth and keep you on track, balancing risk and reward to suit your life goals.
Cashflow Modelling
Ever wonder what your financial future looks like? We’ll show you. With our advanced cashflow modelling, you’ll get a clear picture of how your income, expenses, and savings play out over time, giving you the clarity and confidence to make smart decisions today.
Tax Planning
Who likes paying more tax than they have to? We’ll dig into your finances and come up with a tax strategy that makes sure you’re using every relief and allowance available, so you keep more of what’s yours.
Financial Protection
Life happens—sometimes in ways we don’t expect. We make sure you’ve got the right financial safety nets in place, whether it’s life insurance, income protection, or critical illness cover, so your loved ones are looked after no matter what.
Key Features of Our Financial Planning Services
At Lucent, we’re not here to hit you with fancy jargon or boring spreadsheets—we’re here to give you peace of mind. Our approach to financial planning is down-to-earth, practical, and tailored to you.
Here’s why people like you choose us:
Holistic Approach
We don’t just look at one piece of your financial puzzle. We cover it all, from tax planning to retirement, investments, and estate planning, making sure everything works together.
Tailored to You
There’s no “one-size-fits-all” here. We know every individual and family has different circumstances, so we build your financial plan around your unique needs, goals, and dreams.
Ongoing Support
Life changes, and so does your financial plan. We’ll keep things up to date as your circumstances shift, making sure your plan stays on track with regular reviews and adjustments.
Financial Wellness
We know money causes stress. So that’s why our financial wellness specialists untangle emotional knots that keep you awake at night.
A Simple, Straightforward Journey With Us
Financial planning doesn’t have to be dull or overwhelming. Planning for your future should be exciting, and we make sure that it is.
At Lucent, we like to keep things simple, engaging, and—dare we say—fun! It all starts with a relaxed conversation about you—your dreams, bucket list adventures, and the people or causes that matter most. No jargon, no hard sell—just a clear, straightforward process to give you the confidence your money is working for you.
Here’s how our process works:
1. Getting to Know You
We’ll explain how we work and learn about your life goals, available capital and attitude to risk. We’ll provide our terms of engagement so you have a clear understanding of how things work.
2. Building Your Bespoke Plan
We’ll design and create an exciting life plan unique to you, your goals and your profile, including extensive financial forecasting and recommendations based on our first meeting. You won’t pay anything for the plan at this stage.
3. Presenting Your Plan
We explain your personalised financial plan and back up our recommendations; the strategies, tactics and costs. We can explore other scenarios and edit the plan, where necessary.
4. Conducting the Research
This stage helps us create a robust financial plan that works hard for you. We do our homework to make sure your money can help you to achieve your goals. We also decipher the small print so there are no nasty surprises.
5. Ongoing Support & Review
Our ongoing service is offered where we believe this is of benefit to you. We monitor the products and make incremental changes where necessary, update you on the fund performance and legislation, and keep you focused during volatile markets.
A Financial Plan for a Fixed Price of £3,000
At Lucent, we believe great financial planning advice should come with straightforward pricing—no hidden fees, no nasty surprises.
Why Choose Lucent to Build Your Financial Plan?
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."
"One of the Best Decisions I've Ever Made"
When Dave needed guidance on his pension, his friend recommended Lucent. Hear Dave's take on Lucent and why he has never looked back.
Ready to build your financial plan?
Contact Lucent today to start building a financial plan that secures 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.
FAQs
Financial planning is a roadmap for your financial future, encompassing the understanding of your current situation, setting life goals, and developing strategies for achieving them, including budgeting, saving, investing, and retirement planning.
Yes! Lucent Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority, and entered on the Financial Services Register (https://register.fca.org.uk/) under firm reference number 945107. You can get more information in the footer section of this website. Please note: The Financial Conduct Authority does not regulate Inheritance Tax Planning, Tax Planning or Business Planning.
Yes! We are proudly independent and provide unbiased financial advice to all our clients. We are not part of a broker-dealer, nor are we tied to any financial institutions or financial products.
Yes! Many of our Financial Planners hold Chartered status with the Chartered Insurance Institute (CII). Chartered Financial Planners are considered as the highest qualified in the UK. To maintain Chartered status, our experts are required to maintain their standards through on-going professional development, adhere to the CII's code of ethics and demonstrate a commitment to delivering high-quality service to clients.
No. Whilst our main office is located in Solihull, many of our clients come from all areas of the United Kingdom. We can serve you equally well whether you prefer to meet us in person or by video call.
Preferably, but we are also available on video call.
Absolutely! Many of our clients have switched to Lucent from other providers, some of which are the large financial institutions that make the headlines for the wrong reasons!
They most certainly are - and we are proud of every single one! Our clients value the 'je ne sais quoi' we put into forging deep and meaningful relationships and are only too happy to share their Lucent experience on independent rating sites.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.