Beyond Security

Financial Planning for You and Your Family

Life’s complicated enough without adding financial worries into the mix. At Lucent, we are here to help you take control of your future with financial planning that works for you and your family.

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Financial Planning for Individuals & Families Across
the Midlands

Whether you’re saving for the kids’ education or dreaming of retirement bliss, we know that for many people across the Midlands, having a solid financial plan is a must.

At Lucent, we make sure your finances aren’t just working hard—they’re working smart. Our full financial planning service is designed around you and your family’s specific needs, giving you a roadmap to reach your goals and keep things secure, whatever life throws your way.

Do Financial Worries Keep
You Awake at Night?

Let’s be real: without a proper financial plan, it’s easy to feel lost. Money’s tight, the future feels uncertain, and you’re not sure if what you’re doing today will pay off tomorrow.

These are some of the big headaches we hear all the time from individuals and families:

Will We Be OK in Retirement?

If you’re not sure if your savings will stretch far enough for that post-work dream life, you’re not alone. Without a plan, it’s hard to know where you stand.

Are We Paying Too Much Tax?

Overpaying the taxman isn’t just frustrating—it’s a killer for long-term wealth building. If your income, investments, and estate aren’t structured properly, you could be giving away more than you need.

What Happens If Something Goes Wrong?

Without the right financial protection, one unexpected life event could throw your whole family into chaos. Whether it’s illness, injury, or worse, having a plan in place is key to keeping everything secure.

How Do We Grow Our Wealth?

If you’re not sure how to balance risk and reward when it comes to investing, you might be missing out on opportunities to build real wealth—or you could be taking unnecessary risks that put your future at stake.

Financial Planning for Individuals &Families

Why Ignoring This is a Bad Idea

Let’s be honest—kicking these problems down the road isn’t going to help. Here’s what could happen if you don’t get things sorted:

1. Running Out of Money in Retirement

Without a clear retirement plan, you could burn through your savings faster than you think, leaving you with tough decisions about what to cut back on just to make ends meet.

2. Giving Away Too Much to the Taxman

Without a solid tax strategy, you’re likely paying more than you should, meaning there’s less for you and more for the government to enjoy.

3. Leaving Your Family Vulnerable

If you don’t have the right protections in place, an unexpected event could put your family’s financial security in jeopardy, leaving them struggling to pick up the pieces.

4. Missing Out on Wealth Growth

Without a clear investment strategy, you’re either leaving money on the table or risking too much, neither of which is a recipe for success.

Lucent’s Holistic Approach to
Building Your Financial Plan

At Lucent, we’re all about making your money work as hard as you do.

And that's why we take a holistic approach to building your financial plan. We cover 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.

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.

Added Value

Key Features of Your Financial Plan

Your financial life isn’t just about numbers—it’s about security, dreams, and peace of mind. Our holistic approach ensures every aspect, from tax planning to investments, aligns with your goals. With tailored advice, ongoing support, and financial wellness guidance, we’ll help you stay on track for life.

Here’s some extra features that come as part of our service:

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 family is different, so we build your financial plan around your unique needs, goals, and lifestyle aspirations.

image of financial information on a chart

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 gives you complimentary access to wellness specialists to untangle the emotional knots that keep you awake at night.

Your Journey With Us

A Simple, Straightforward Approach to Financial Planning

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 & Your Dreams

We’ll outline how we work, understand your goals, finances, and risk attitude, and explain our terms of engagement—giving you complete clarity on the process from the start.

2. Building Your Bespoke Plan

We’ll craft a personalised Life Plan tailored to your goals, with detailed financial forecasting and recommendations—all based on our first meeting. There’s no cost for the plan at this stage.

3. Presenting Your Financial Plan

We’ll walk you through your personalised Financial Plan, explaining strategies, tactics, and costs. If needed, we can explore alternative scenarios and make adjustments to ensure it aligns with your goals.

4. Doing the Research

We dive deep to build a strong financial plan tailored to your goals. Our research ensures your money works for you, and we decipher the small print to avoid any surprises.

5. Ongoing Support & Review

Our ongoing service keeps your plan on track. We monitor products, adjust as needed, update you on fund performance and legislation, and help you stay focused through market fluctuations.

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Cost Transparency

A Bespoke 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.

How our pricing works
Advice You Can Trust

Why Choose Lucent for Your Family’s Financial Planning?

106
5 Star Reviews on Google Ratings
396
5 Star Reviews on Vouchedfor.co.uk
188
Clients helped via Unbiased.co.uk

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.

Real People. Real Results.

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."

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West Mids
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"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."

Ben Woods
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"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."

Jo
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"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."

Verified client
Warwickshire
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"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."

Nigel Thomas
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"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."

Andrew
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"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."

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Warwickshire
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"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."

Peter Thomas
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"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."

John
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"Luke has listened and understood our needs and provided very thorough explanations of our options to enable us to make a very informed decision."

Verified client
Derbyshire
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"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."

Jo Barnett
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"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."

Stuart
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Sue & John Adams - Clients

"They Didn't Put Us Under Any Pressure"

Sue and her husband John explain how they ended up as Lucent clients. Hear their story.

Watch more client stories
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Ready to build your financial plan?

Don’t leave your financial future to chance. At Lucent, we’ll help you take control with a plan that works for you and your family. Contact us today for a free consultation.

  • Do you want to create a financial plan that supports your family’s lifestyle and future goals?
  • Are you looking to build and protect your wealth for future generations?
  • Do you need advice on managing investments, savings, and debt as a family unit?
  • Are you seeking guidance on how to achieve financial security and independence for your family?

If you answer yes to the above, get in touch.

FAQs

What is Financial Planning?

Financial planning involves setting life goals, assessing your financial situation, and creating a strategy to reach those goals. It includes reviewing your income, expenses, assets, and liabilities to develop effective saving, investing, and money management strategies.

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What does a Financial Planner do and when do I need one?

Financial Planners work with you to understand your financial and life goals and develop strategies to achieve them. The time to call for their advice is when need to make a complex financial decision or when you face a major life event such as marriage, the birth of a child, planning for retirement or the death of a loved one.

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How can Lucent help me save on taxes?

We identify opportunities to reduce your tax liabilities through effective use of tax allowances, reliefs, and strategies like pensions, ISAs, and trusts, ensuring that more of your wealth is preserved.

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What is cashflow modelling and how does it help my financial plan?

Cashflow modelling provides a detailed projection of your future income, expenses, and savings. It helps you understand how your financial choices today will affect your future, allowing you to make more informed decisions.

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How long does it take to get my financial plan?

Depending on the complexity of your financial affairs, we can build your financial plan within a couple of weeks to a month.

How much information do I need to disclose?

If you don't give us all the information, you’ll get a plan with holes in it. We need that information understand the extent of the problem, when we know that, we can plan effectively.

What happens if I can't find all my financial information like pensions?

We will help you find it through contacting providers.

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How much estate do I need for your service?

If you're married and leaving your home to your children or direct descendants, then estates in excess of £1 million could do with additional planning. If single, then anything over £325,000 could suffer inheritance tax.

How accurate do my financial numbers need to be for the discovery session?

Approximate guesses are fine. Numbers change daily anyway, so a rough idea is fine.

Do I need to involve my partner in the estate planning process?

They may have differing opinions to yours and so it is vital you are both aware of them and joined up on this matter.

Do I need to see you in person?

Preferably, but we are also available on video call.

Still have questions?

If you've got a question we haven't answered, we'd love to hear from you.

Contact Us