About LucentFinancial Planning
Clear Advice. Calm Decisions. Financial Planning Built Around Real Life.
Lucent exists for people who want their money to work properly — without confusion, pressure or jargon. We help individuals, families and business owners make confident decisions about their future — from building wealth and planning retirement to navigating inheritance, business exit and later-life care.
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What Makes Us DifferentWe Are Truly Independent
We’re not your typical financial planners. Sure, we’re brilliant with numbers—but we’re even better with people. We mix serious financial know-how with a splash of irreverence, a big heart, and a genuine commitment to client care.
At Lucent, we work with high-achieving individuals and families who have a clear vision for their future and at least £500k in investible assets. If you like your advice straight-talking (and occasionally cheeky), you’re in the right place!
We Are Truly Independent
We are not tied to banks, product providers or investment houses. That means our advice is based solely on what is right for you — not what pays the highest commission.
You get:
• Transparent advice
• No hidden incentives
• No pressure to buy products
• Just a plan that fits your life
We Build Holistic Financial Plans — Not Isolated Solutions
Money doesn’t live in silos. Neither should your financial plan.
We bring together:
• Retirement planning
• Investment strategy
• Tax efficiency
• Estate and inheritance planning
• Protection and risk management
• Cashflow and life planning
Everything connects. Everything makes sense together.
We Plan for Life — Not Just Markets
Markets rise and fall. Life keeps moving.
We help people through:
• Career progression and business growth
• Marriage, parenthood and changing priorities
• Business exit and wealth transition
• Inheritance, divorce and personal upheaval
• Later-life care, retirement and legacy
Your plan evolves as your life does.
Who We Help
At Lucent, we work with high-achieving individuals and families who have a clear vision for their future and at least £500k in investible assets.
Our clients are generally:
- Individuals in senior executive positions
- Families in high-income households
- Entrepreneurs with £2m+ turnover businesses
- Wealthy retirees
Whether you’re building, protecting, transitioning or simplifying — we meet you where you are.
Who want clarity over retirement, investments, protection and legacy.
Who want to turn commercial success into long-term personal security — including exit planning, tax efficiency and wealth transition.
Our Standards & Professional Commitments
Lucent operates to the highest professional standards:
- Chartered Financial Planners — one of the most respected designations in the UK
- Fully FCA regulated and compliant
- Members of the Financial Vulnerability Taskforce — ensuring client-first care at times of stress or change
- Cyber Essentials Certified — your data and financial information are protected
- Highly rated across Google, VouchedFor and Unbiased
These are not badges for show. They exist to protect you.
How We Work With Clients
1. You Start With Clarity
A free introductory conversation helps you understand where you stand and what matters most.
2. We Build Your Plan
A personalised financial roadmap aligned to your goals, family, business and future needs.
3. We Implement With You
Investments, pensions, protection, estate structures — put in place carefully and properly.
4. We Review & Adapt
As markets, laws and life evolve, your plan stays current and relevant.
Our Philosophy in Plain English
At Lucent, we believe:
- Money should reduce stress — not create it
- Advice should be clear — not intimidating
- Planning should be personal — not generic
- Decisions should feel calm — not rushed
- Your future should feel considered, secure and intentional
Navigating the investment world can feel overwhelming. Our evidence-based, risk-managed approach ensures your money works for you—minimising uncertainty, reducing costs, and helping you build lasting wealth with confidence.
Money is a tool, not the goal. Our holistic, purpose-driven approach helps you gain clarity, build confidence, and create a financial plan that truly supports your life’s ambitions.
Why We Exist
We help individuals, families and business owners across Birmingham and the Midlands region to plan for their best life.
Our Purpose
To help people get the most out of life by getting the most out of their money.
Our Mission
Our mission is to help highly successful people find their purpose and organise their finances so they can design and live the life they have worked hard for.
Our Vision
We want to help at least 1,000 households across Birmingham and the Midlands achieve their desired lifestyle by organising their finances and give 100% ownership to Lucent’s employees by 2033.
What Do Our Clients Have In Common?
Our clients typically have a few things in common:
- They have at least £500k of investible assets
- They work in senior executive roles, are business owners, or wealthy retirees
- They live life with purpose and seize opportunities for growth and enjoyment
- They value a sense of fun, appreciating good company and a positive outlook
- They understand the value of serious planning and are ready to make informed, impactful financial choices
If these sort of things resonate with you, you'll probably like working with us.
Our Lucent Family
Our people genuinely care about our clients, doing everything possible to design the life that you want and deserve. We even have Care Bears to prove it!
Ready to Take the First Step?
You don’t need to have everything figured out. You just need a starting point.
- Do you have investible assets of £500k or more and value professional financial advice?
- Would you like a simple, no-pressure way to understand your position and explore what a tailored plan could look like for you?
If you answer yes to the above, get in touch.