Lucent Financial Planning logo with three translucent water droplets above the company name in dark and light blue text.
About

What Make Us Different

Our Service

Get a high-level overview of our financial planning services tailored for individuals, families and busines owners.

Our Pricing

Find all you need to know about how we charge for our financial planning service.

Our Financial Planning Philosophy

Discover our holistic, purpose-driven approach to managing your wealth.

Our Investment Philosophy

Explore how our evidence-based, risk-managed approach ensures your money works harder for you.

Our Purpose

Explore how we help people get more from life by getting more from their money.

Our Credentials

Meet Our Experts

Meet the advisers and support team who are dedicated to building your financial future.

Our Client Stories

Discover how we help clients achieve their financial goals, straight from the people who’ve experienced it.

Awards & Accreditations

Have a look at some of the awards we've picked up in recognition of our commitment to client service.

Careers

Fancy joining us? Take a look at our current vacancies or send us your CV for future consideration.

Our Latest Insights

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Read more
Article Title

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Life is a team sport

From World Cup underdogs to family, friendship and financial planning, Steve Rowe explores why the right team can help you navigate life's challenges, build resilience and achieve better financial outcomes.

Read More
When’s the Right Time to Rebalance My Portfolio?

Discover when to rebalance your portfolio; annually, via thresholds, or after major life events. Stay aligned with your goals without overtrading or costly mistakes.

Read More
Access Our Free Resources
How We Help

Financial Planning by Life Stage

20-35 Year-Olds

Your financial priorities are all about stability, managing debt, and building your future wealth.

35-50 Year-Olds

Your financial focus shifts from laying the groundwork to growing and protecting your wealth.

50-65 Year-Olds

Your financial priorities shift to building your retirement plans and optimising your wealth.

65-75 Year-Olds

Your focus is to preserving wealth, managing your income, and planning for future needs.

75+ Year-Olds

Your focus is to secure healthcare requirements, manage long-term care costs, and wealth transfer.

Financial Planning for Life-Changing Events

Death of a Spouse

Build a plan for your long-term security.

Getting Divorced or Separated

Plan to navigate the emotional and financial challenges.

Inheriting Money

Ensure your inheritance sets you up for long-term success.

Leave a Financial Legacy

Build a plan to make sure what matters to you lives on.

Personal Injury Settlement

Plan to ensure your long-term security and care.

Planning for Later Life Care

Ensure your loved ones aren't left to pick up the bill.

Selling a Business

Ensure the proceeds from your business exit work hard.

Winning the Lottery

Enjoy your windfall without squandering your wealth.

Our Services

photo of a family in the park enjoying life after building a financial plan
Financial Planning for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Go To Service
photo of business owner planning their finances
Financial Planning for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

Go To Service
Financial Wellness

Complimentary access to a financial wellbeing consultant is included as part of your plan.

Go To Service
What Our Clients Say About Us
Services

Our Core Services

Financial Plan for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Financial Plan for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

What's Included in Your Financial Plan

Retirement Planning & Pensions Review

Plan the retirement you deserve with our smart strategies.

Inheritance Tax Planning Advice

Navigate the complexity of inheritance tax planning.

Investment Management Advice

Advising you on how to grow and protect your wealth.

Tax Planning Advice

Build smart strategies so you can keep more money.

Financial Protection Advice

Making sure you're prepared for what life throws your way.

Cashflow Modelling

Helping you to visualise your long-term financial future.

Additional Benefits

Financial Wellness

Complimentary access to a financial wellbeing specialist is included as part of your financial planning service.

Discover What You Get
Lucent Community

Become part of the Lucent Community and get exclusive access to VIP events and more.  

Find Out More
What Our Clients Say About Us
Resources

Resources Overview

A-Z Glossary

Our A-Z glossary breaks down key terms in plain English.

Events

Join our events where you can learn, connect, and have fun!

Guides

Download our free guides for a deeper understanding of financial planning.

On-Demand Content

Blogs

Our experts share their insights on all things financial planning.

Podcast

Stream the latest episodes of Juggling Mind & Money.

Videos

Our video shorts make financial planning easy to understand.  

MyLucent - New Client Portal

MyLucent

Welcome to MyLucent our new client portal where you can access all your financial infomration.

Find out more
See Our Service Overview
Community

Lucent Community

Overview

Get an overview of the Lucent Community that all clients get access to when building a financial plan with us.

Be Part of Something Bigger!

Join Ubuntu - Private Community App

Ubuntu is our private community platform that lets clients access exclusive resources, online support and more.

Our Events

From educational seminars to our legendary summer parties, there’s always a good excuse to bring us together and have fun.

Our Services

photo of a family in the park enjoying life after building a financial plan
Financial Planning for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Go To Service
photo of business owner planning their finances
Financial Planning for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

Go To Service
See What Our Clients Say
Contact
Client Portal Login
Client Portal
Lucent Financial Planning logo with three translucent water droplets above the company name in dark and light blue text.
About

What Make Us Different

Our Service

Get a high-level overview of our financial planning services tailored for individuals, families and busines owners.

Our Pricing

Find all you need to know about how we charge for our financial planning service.

Our Financial Planning Philosophy

Discover our holistic, purpose-driven approach to managing your wealth.

Our Investment Philosophy

Explore how our evidence-based, risk-managed approach ensures your money works harder for you.

Our Purpose

Explore how we help people get more from life by getting more from their money.

Our Credentials

Meet Our Experts

Meet the advisers and support team who are dedicated to building your financial future.

Our Client Stories

Discover how we help clients achieve their financial goals, straight from the people who’ve experienced it.

Awards & Accreditations

Have a look at some of the awards we've picked up in recognition of our commitment to client service.

Careers

Fancy joining us? Take a look at our current vacancies or send us your CV for future consideration.

Our Latest Insights

Article Title

Lorem ipsum dolor sit amet consectetur elit

Read more
Article Title

Lorem ipsum dolor sit amet consectetur elit

Read more
Life is a team sport

From World Cup underdogs to family, friendship and financial planning, Steve Rowe explores why the right team can help you navigate life's challenges, build resilience and achieve better financial outcomes.

Read More
When’s the Right Time to Rebalance My Portfolio?

Discover when to rebalance your portfolio; annually, via thresholds, or after major life events. Stay aligned with your goals without overtrading or costly mistakes.

Read More
Access Our Free Resources
How We Help

Financial Planning by Life Stage

20-35 Year-Olds

Your financial priorities are all about stability, managing debt, and building your future wealth.

35-50 Year-Olds

Your financial focus shifts from laying the groundwork to growing and protecting your wealth.

50-65 Year-Olds

Your financial priorities shift to building your retirement plans and optimising your wealth.

65-75 Year-Olds

Your focus is to preserving wealth, managing your income, and planning for future needs.

75+ Year-Olds

Your focus is to secure healthcare requirements, manage long-term care costs, and wealth transfer.

Financial Planning for Life-Changing Events

Death of a Spouse

Build a plan for your long-term security.

Getting Divorced or Separated

Plan to navigate the emotional and financial challenges.

Inheriting Money

Ensure your inheritance sets you up for long-term success.

Leave a Financial Legacy

Build a plan to make sure what matters to you lives on.

Personal Injury Settlement

Plan to ensure your long-term security and care.

Planning for Later Life Care

Ensure your loved ones aren't left to pick up the bill.

Selling a Business

Ensure the proceeds from your business exit work hard.

Winning the Lottery

Enjoy your windfall without squandering your wealth.

Our Services

photo of a family in the park enjoying life after building a financial plan
Financial Planning for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Go To Service
photo of business owner planning their finances
Financial Planning for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

Go To Service
Financial Wellness

Complimentary access to a financial wellbeing consultant is included as part of your plan.

Go To Service
What Our Clients Say About Us
Services

Our Core Services

Financial Plan for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Financial Plan for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

What's Included in Your Financial Plan

Retirement Planning & Pensions Review

Plan the retirement you deserve with our smart strategies.

Inheritance Tax Planning Advice

Navigate the complexity of inheritance tax planning.

Investment Management Advice

Advising you on how to grow and protect your wealth.

Tax Planning Advice

Build smart strategies so you can keep more money.

Financial Protection Advice

Making sure you're prepared for what life throws your way.

Cashflow Modelling

Helping you to visualise your long-term financial future.

Additional Benefits

Financial Wellness

Complimentary access to a financial wellbeing specialist is included as part of your financial planning service.

Discover What You Get
Lucent Community

Become part of the Lucent Community and get exclusive access to VIP events and more.  

Find Out More
What Our Clients Say About Us
Resources

Resources Overview

A-Z Glossary

Our A-Z glossary breaks down key terms in plain English.

Events

Join our events where you can learn, connect, and have fun!

Guides

Download our free guides for a deeper understanding of financial planning.

On-Demand Content

Blogs

Our experts share their insights on all things financial planning.

Podcast

Stream the latest episodes of Juggling Mind & Money.

Videos

Our video shorts make financial planning easy to understand.  

MyLucent - New Client Portal

MyLucent

Welcome to MyLucent our new client portal where you can access all your financial infomration.

Find out more
See Our Service Overview
Community

Lucent Community

Overview

Get an overview of the Lucent Community that all clients get access to when building a financial plan with us.

Be Part of Something Bigger!

Join Ubuntu - Private Community App

Ubuntu is our private community platform that lets clients access exclusive resources, online support and more.

Our Events

From educational seminars to our legendary summer parties, there’s always a good excuse to bring us together and have fun.

Our Services

photo of a family in the park enjoying life after building a financial plan
Financial Planning for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Go To Service
photo of business owner planning their finances
Financial Planning for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

Go To Service
See What Our Clients Say
Contact
Client Portal Login
Client Portal

Complaints and Grievance Policy

At Lucent, we believe in open, honest conversations.

If something doesn’t feel right, we want to hear about it. Not just to put things right, but to learn and improve.

As part of our commitment to transparency, we’ve set out how concerns can be raised and how we’ll handle them.

Who this applies to

This process is open to anyone we work with - clients, suppliers, partners, collaborators, and members of the public.

What you can raise

You can raise a concern about anything that doesn’t feel right, including:

  • The quality of our service
  • Professional or ethical conduct
  • Health and safety concerns
  • Environmental or sustainability practices
  • Human rights or fair treatment
  • Breaches of laws, regulations or our own standards

If something feels off, trust your instinct - we’d rather hear it than miss it.

How to raise a concern

We keep things simple:

  • Speak to your adviser directly
  • Email us at info@lucentfinancialplanning.co.uk
  • Or contact us via your MoneyInfo app

If you’d prefer to make something more formal, you can send your concern in writing to us and we’ll take it from there.

What happens next

Once we receive your concern:

  • We’ll acknowledge it quickly, so you know it’s with us
  • We’ll carry out a fair and thorough review
  • We may get in touch if we need more information

We aim to resolve things as quickly as possible. Most cases are reviewed within 30 days, depending on complexity.

Once our review is complete, we’ll share a clear outcome and explain our decision.

If you’re not happy with the outcome

If you don’t feel we’ve resolved things properly, you can ask for your case to be reviewed again by a senior member of the team or an independent party.

We’ll explain the next steps when we respond.

Confidentiality and fairness

We treat all concerns seriously and handle them with care:

  • Everything is kept confidential wherever possible
  • Information is only shared when necessary
  • You won’t be treated differently for raising a concern in good faith

Speaking up is always the right thing to do.

Speaking up (Whistleblowing)

If you’d prefer to raise a concern more discreetly, you can speak directly to a Director or raise it with an independent external body.

We are committed to:

  • Protecting anyone who raises concerns
  • Preventing retaliation of any kind
  • Handling matters fairly and responsibly

Keeping things on track

We keep records of concerns (confidentially), review themes regularly, and update our approach where needed.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

Join our newsletter

Sign up to our regular newsletter for ideas, tips and more to help you get a grip of your finances.

 Sign up for our Newsletter
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Lucent Financial Planning logo with three translucent water droplets above the company name in dark and light blue text.
About Us
Our ExpertsOur PricingClient StoriesFinancial Planning PhilosophyInvestment PhilosophyCareers - Join UsOur Awards
How We Help
Financial Planning for Individuals & FamiliesFinancial Planning for Business OwnersFinancial WellnessPlanning by Life StagePlanning for Life EventsLucent Community
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Retirement Planning & PensionsInheritance Tax PlanningInvestment PlanningTax PlanningFinancial ProtectionCashflow Modelling
Resources
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Contact Us
© 2026 Lucent Financial Planning Ltd. All rights reserved.
Privacy PolicyWebsite Terms of ServiceCookie Policy
© 2024 Relume. All rights reserved.

Lucent Financial Planning Ltd (Trading Name Lucent) is authorised and regulated by the Financial Conduct Authority. Lucent Financial Planning Ltd is entered on the FCA Firm Checker https://www.fca.org.uk/consumers/fca-firm-checker. Our Firm Reference Number is 945107.

Registered in England and Wales No. 08191924. Registered address: 1b The Exchange, 20a Poplar Road, Solihull, B91 3AB. Telephone: 0121 705 1000.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

The value of your investment can go down as well as up and you may not get back the full amount you invested.

The Financial Conduct Authority does not regulate Inheritance Tax Planning, Trusts, Will Writing, Cashflow Planning, Power of Attorneys, and some forms of Business Planning and School Fees Planning.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The value of your investments (and any income from them) can go down as well as up, which would have an impact on the level of pension benefits available.

We do not offer mortgage advice. As a mortgage or Lifetime Mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Complaints
If you wish to register a complaint, please email info@lucentfinancialplanning.co.uk, or write to us at Lucent Financial Planning Ltd, Compliance Manager, 1b The Exchange, 20a Poplar Road, Solihull, West Midlands, B91 3AB United Kingdom or telephone us on 0121 705 1000.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available here. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

Beyond Security

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