Why choose Lucent for financial advice and guidance?
Why Lucent?
Lucent Financial Planning are friendly and down to earth. We pride ourselves in being extremely approachable where no question is a silly question!
We are experts in what we do and work with our clients because you have one life and you know how you want to live it.
- You may need some inspiration on what options are available to you.
- You may need full holistic advice on everything or on one particular thing.
- You may have a complex situation and don’t know how to reach your objectives.
Our mascot, Penny, shows how clients benefit from our holistic approach to individuals and their finances.
Let us help you to live the life you want, sooner and to its maximum!
Lucent Financial Planning are proud to be Chartered Financial Planners, and an Associate Firm of the Personal Finance Society
‘Chartered Financial Planners‘ status allows firms to demonstrate their professional commitment to raising standards of knowledge, capability and ethical practice.
Chartered firms must ensure staff members acquire and retain the necessary knowledge and skills to deliver the highest quality advice. They must also work in an ethical manner that places clients’ interests at the heart of the advice they give.
With fewer than 300 firms of ‘Chartered Financial Planners’, it remains an exclusive and valuable distinction.
‘Associate Firm‘ status demonstrates a firm’s voluntary adoption of the professional standards and principles set, placing clients and staff at the heart of its culture and focus.
Genuine professionalism has never been so valued – or so necessary. The titles awarded by the CII and PFS are today’s “gold standard” of excellence and integrity.
"EXCELLENT STANDARD... OUTSTANDING"
(Network Direct Ltd, A Network authorised and regulated by the Financial Conduct Authority)We get top marks from the auditor, and our clients are living the lives they want.
We saved one family hundreds of thousands of pounds in tax penalties, we allowed another client to retire three years early (without losing any income), and proudly declared one couple were millionaires (earlier than expected).
Steve Rowe retains Certificate of Excellence
The certificate is awarded quarterly to advisers with qualifying recent reviews and a consistently high rating from clients. To view the certificate, click here.
Lucent receives industry recognition
For the second year running, Lucent have been recognised in the Investment Life & Pensions Moneyfacts Awards, being Commended in the Retirement Adviser of the Year category this year. Winners were announced in an online event earlier this month, that replaced the...
Lucent shortlisted for Moneyfacts Investment Life & Pensions Awards for second year running.
Investment Life & Pensions Moneyfacts has announced the finalists for its 2020 awards. The winners will be revealed at an evening awards dinner on Thursday 17 September 2020 at the London Hilton on Park Lane (dependent on Covid-19 and potential restrictions in...
The Times UK Top Rated Financial Advisers – 2 years running
We are delighted that Vouched For’s guide to the UK’s Top rated Financial Advisers features Lucent’s Steven Rowe, for the second year in a row. To read the full article please click here
Investment Life & Pensions Moneyfacts Awards 2019 finalists
Investment Life & Pensions Moneyfacts has announced the finalists for its 2019 awards. The winners will be revealed at an evening awards dinner on 19 September 2019, held at The Hilton Park Lane Hotel in London. Richard Eagling, Editor of Investment Life &...
Lucent Financial Planning recognised in The Parliamentary Review
Written by the prime minister, this year's foreword to The Parliamentary Review focuses on building on our country's great strengths: our world-class universities, our cutting edge manufactures and our vibrant creative industries. The March edition of The Review...
Don’t just take our word for it – here’s what our clients have to say.
Seasonal franchise for a better work life balance.
Louise Walsh started her franchise of The Christmas Decorators in 2014, with the goal of pursuing a business opportunity which allowed her to make a higher income, have greater flexibility over her time and achieve a better work-life balance. “I was coming up to 50...
Billboard property entrepreneur – “Live the life you want to”
“For me, business is all about fun and enjoyment. The money is a secondary factor. Material wealth doesn’t drive me, and I have no aspirations to own yachts, islands or private jets. The way I see it, having money gives me the freedom to live life on my own terms and...
Click the badge to read our latest reviews on the VouchedFor website >
Testimonials
Julie Bedford, Birmingham
We both understood the importance of financially planning for our future before we retired. But when a parent dies and you find yourself at your most vulnerable I was able to make a quick decision to retire early confident that we had enough funds to do so, and enabling me the time to sort out the estate without worrying about work.
Stuart, Solihull
Steve advised me to retire three years early (after changes meant early retirement would reduce defined benefit pensions). Three years later, I am still as wealthy as I would have been had I went into the office. Thanks for the three years’ holiday, Steve.
Rachel, Birmingham
Steve is brilliant! He is thought provoking and has really made us think about our long term future and plans! We completely trust him to help us achieve our financial goals
Rob & Julie
Thank you soooo much for your valued advice – this has enabled us to achieve our dream of early retirement and a ‘most wished for’ move to Cornwall
Colin, Birmingham
I find Lucent to be a very friendly and sociable, very professional and trustworthy. I am confident to have Steve Rowe and his staff as my financial advisers and so far have successfully accumulated my retirement funds
Anon, Birmingham
I would highly recommend the services. Advice has been given in a very clear and professional manner without any pressure to make investment decisions that I am not fully sure of
Steve B, Solihull
All my complex demands are always considered, followed by excellent advice. Steve has been outstanding the last 7 years , so I’m looking forward to an exciting retirement
The performance of the financial direction work well and he’s helping us look at projections for the future and manage our money to get the best out of it
Chris, Solihull
Steve saved me annual income tax bills in excess of £60,000 after I’d bought an investment abroad. If it were a number of years before I noticed, the tax penalties would have been huge.
Charlotte,
Kelly has been extremely professional throughout the whole process of my future financial planning, explaining complex financial matters in a way I have fully understood. Kelly is a cheerful person, who is extremely approachable but also very knowledgeable. I trust Kelly’s advice
Sandra and Craig,
>We officially became millionaires earlier than expected thanks to a pension, tax savings and high-performing investments over six years — that’s not even including our home.
Julie Bedford, Birmingham
We both understood the importance of financially planning for our future before we retired. But when a parent dies and you find yourself at your most vulnerable I was able to make a quick decision to retire early confident that we had enough funds to do so, and enabling me the time to sort out the estate without worrying about work.
Stuart, Solihull
Steve advised me to retire three years early (after changes meant early retirement would reduce defined benefit pensions). Three years later, I am still as wealthy as I would have been had I went into the office. Thanks for the three years’ holiday, Steve.
Rachel, Birmingham
Steve is brilliant! He is thought provoking and has really made us think about our long term future and plans! We completely trust him to help us achieve our financial goals
Rob & Julie
Thank you soooo much for your valued advice – this has enabled us to achieve our dream of early retirement and a ‘most wished for’ move to Cornwall
Colin, Birmingham
I find Lucent to be a very friendly and sociable, very professional and trustworthy. I am confident to have Steve Rowe and his staff as my financial advisers and so far have successfully accumulated my retirement funds
Anon, Birmingham
I would highly recommend the services. Advice has been given in a very clear and professional manner without any pressure to make investment decisions that I am not fully sure of
Steve B, Solihull
All my complex demands are always considered, followed by excellent advice. Steve has been outstanding the last 7 years , so I’m looking forward to an exciting retirement
The performance of the financial direction work well and he’s helping us look at projections for the future and manage our money to get the best out of it
Chris, Solihull
Steve saved me annual income tax bills in excess of £60,000 after I’d bought an investment abroad. If it were a number of years before I noticed, the tax penalties would have been huge.
Charlotte,
Kelly has been extremely professional throughout the whole process of my future financial planning, explaining complex financial matters in a way I have fully understood. Kelly is a cheerful person, who is extremely approachable but also very knowledgeable. I trust Kelly’s advice
Sandra and Craig,
>We officially became millionaires earlier than expected thanks to a pension, tax savings and high-performing investments over six years — that’s not even including our home.