Chartered & IndependentFinancial Planning
Purpose-Led Financial Planning That Gives You Clarity, Confidence and Control
At Lucent, our Chartered financial planners provide independent advice to individuals, families and business owners. We help clients in Birmingham and across the Midlands who want their money to support the life they want — today, tomorrow, and for the long term.
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Financial Planning Experts
You Can Trust
Our financial planning experts, 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. (Numbers updated Dec 2025)
Why People Choose OurFinancial Planning Service
At Lucent, our financial expertise isn’t just a claim—it’s a commitment.
As an independent and Chartered financial planning firm, we take things seriously. You can place your trust in our service—we’ve got the credentials to prove it.
Independent & Chartered
Regulated, transparent, and trusted. No products to sell. No confusing jargon. Just clear, personal advice.
Financial Vulnerability Taskforce Members
Clients’ interests come first — always.
Holistic Planning
Retirement, investments, tax, estate planning, protection — everything connected in one joined-up strategy.
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Support for Every Life Stage
Whether you're building wealth, preparing for retirement, selling a business, inheriting money or planning later-life care — your plan adapts as life changes.
Helping People in Birmingham & Across the Midlands
At Lucent, we work with high-achieving individuals, families and entrepreneurs who have a clear vision for their future and at least £500k in investible assets. We're based in Solihull and advise clients in Birmingham, across the Midlands and further afield.
Our clients are generally:
- Individuals in senior executive positions
- Families in high-income households
- Entrepreneurs with £1m+ turnover businesses
- Wealthy retirees
Whether you’re building, protecting, transitioning or simplifying your life — we meet you where you are.
Plan for retirement, invest with purpose, reduce tax, protect your family and build a secure, meaningful future.
Turn commercial success into personal security. Plan your exit, manage tax, build long-term wealth and create clarity beyond the business.
When You Might Need Our Advisers
We know that you have worked hard for your money. And now you want to make sure it was all worth it.
You might be asking yourself:
- “Can I afford to retire — and stay retired?”
- “How should I invest to reach my goals… without taking unnecessary risk?”
- “How do I structure my finances after selling my business?”
- “What should I do with an inheritance or windfall?”
- “How do I protect my family and plan my legacy?”
- “Will I have enough for later-life care if I ever need it?”
If any of these feel familiar, you’re exactly who our advisers can help.
Not Sure Where to Begin? Start Here.
Our quick, confidential scorecards help you reflect on key areas of your life and money. Each one takes just two minutes, gives you an instant score, and helps us tailor the advice you need when you're ready to speak to us.
Whether you’re planning for the future or just want peace of mind, it’s a smart first step.
Each scorecard is:
- Free to use
- Takes 2 minutes
- Get your score instantly
- Secure and confidential
How We Work
We get it—money can be a source of stress, confusion, or even fear.
At Lucent, we’re here to turn that around. 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 bespoke financial plan—you’ll gain the freedom to live life on your terms.
Here’s how our process works:
1. Free Financial Consultation
A free and no-obligation starting point to understand your goals, current position and key priorities.
2. Build Your Financial Plan
We create a clear plan that aligns your money with your life — covering retirement, investments, inheritance tax, protection and long-term goals.
3. Implement With Confidence
We help you put the plan into action — choosing the right structures, investments and strategies for your needs.
4. Review & Adapt Over Time
Life changes. Markets change. Your plan evolves with you, ensuring you remain on track and in control.
Life Evolves.
Your Financial Plan Should Too.
Explore how we help you during key life stages and major life events:
Financial Planning By Life Stage
Whether you're starting out in your twenties or planning for later life care, discover what you need to be doing to maximise wealth accumulation.
Financial Planning By Life Events
Inheriting money, selling a business, divorce, loss of a loved one, personal injury, winning the lottery, and more.
Meet Our Chartered Financial Planners & Support Team Who Put You First
We have built a team that genuinely cares about our clients. Our advisers and support team do everything possible to help you find your purpose, organise your finances and design the life that you want, and deserve.
See What Our Clients Say
We’ve helped hundreds of clients across the UK achieve financial peace of mind, freedom, and happiness.
Here’s what a few of them have to say...
"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."
"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."
"It took me a while to find the right financial planners, I wanted someone who was interested in doing the best for me and not just interested in what I would be worth to them. I definitely found that and more at Lucent."
"Keely has removed the “fear” from managing my financial assets - an important outcome for me. I am also happy with the outcomes in terms of the performance of investment decisions that I have made."
"Luke has provided a plan, based on investment advice, that allows us to meet our objectives. We have retired and our lifestyle has actually improved!"
"They're Very Approachable"
Solihull businessman Tim was looking for a financial planner that was down-to-earth and could explain things in laymen's terms. Hear why Tim chose Lucent.
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.