Financial Planning forLife-Changing Events
Big changes — loss, inheritance, business sale, windfall, care, divorce — can shake everything.
Whether it’s grief, surprise wealth, or major life shifts, what matters most is not letting your finances fall apart when emotions run high. We help you transform sudden change into long-term security and clarity. Because life events aren’t just about money — they’re about people, relationships, and what you care about most.
At Lucent, when life throws you a curveball — we help you navigate it.
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Why Life Events Require a Different Kind of Plan
These circumstances have one thing in common: unpredictability.
- You may face emotional turmoil and urgent decisions — often under pressure.
- Existing plans, pensions, taxes or investments might no longer fit.
- Sudden wealth (inheritance, lottery, business sale) can disappear fast — poor structuring risks tax, waste, mismanagement.
- Loss (spouse, marital breakdown) may leave loved ones exposed — pension death-benefits, inheritance, cashflow, family security become urgent priorities.
- Later-life care needs, personal-injury proceeds, health concerns demand protection, liquidity, and flexible long-term planning.
A “business-as-usual” plan is often not enough. What you need in these moments is clarity, structure and a bespoke plan — tailored to your changed reality.
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Life Events We Help WithAnd What We Do For You
When life throws you a curveball, the financial and emotional impact can be a source of stress, confusion, or even fear.
Each of these turning points requires more than one-off advice. They demand a calm head, experienced guidance, and a long-term view — exactly what Lucent delivers. Here are some common but critical life events we help clilents navigate:
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Death of a Spouse
Secure survivor income, review pension death-benefits, restructure household finances and cashflow, protect dependants, set up estate plan for heirs.
Divorce or Separation
Split assets fairly, retarget pensions/investments, review tax implications, rebuild a personal financial plan for the new reality.
Inheriting Money
Pause before decisions: review net assets, tax exposure, structure capital for long-term security, invest or preserve wisely, protect wealth for future generations.
Leave a Financial Legacy
Build estate, tax, inheritance and trust planning — so wealth passes on as you intend, with minimal tax leakage and maximum clarity.
Major Settlement (Injury / Compensation etc.)
Manage lump sums carefully — protecting income, long-term care funding, tax planning, inheritance, and sustainable wealth structuring.
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Later Life Care / Health Shocks
Plan for care costs, long-term liquidity, protection policies, pension and wealth drawdown, legacy preservation, and spouse/family support.
Business Sale / Exit
Convert business value into personal wealth with a tailored plan: tax-efficient extraction, investment allocation, retirement funding, asset protection, legacy structuring.
Winning the Lottery
Winning the lottery can set you up for life—there’s the excitement of a significant financial windfall, but it comes with added stress. We are here to ensure your winnings set you and your family up for life.
How We Help — A Simple, Compassionate 5-Step Process
- Take a breath. We listen. We start with a confidential conversation — about what’s changed, your worries, your hopes, your family. No forms, no pressure — just human empathy and clarity.
- We map your current financial snapshot. Pension pots, savings, assets (property, business, investments), income potential, liabilities, dependants — we gather everything that matters.
- We build a bespoke financial plan — tailored to your new reality. Income, cashflow, protection, tax, investments, estate, legacy — we make sure what you’ve got works for what you need now and tomorrow.
- We support implementation — step by step, no jargon. From pension/benefit transfers, investment structuring, protection policies, tax planning, to estate setup — we guide or manage it all, patiently and transparently.
- We stay alongside you. Life evolves. Situations shift. We review and adjust your plan regularly — so you’re never alone, never left with guesswork.
Why Trust Lucent When Life Changes
✅ Empathy and discretion — we understand change can be emotional. We treat every situation with respect, care, and confidentiality.
✅ Independent, chartered advice — no product pushing, no one-size-fits-all — just honest guidance tailored to you.
✅ Holistic view — not silos — we consider all aspects: pensions, tax, protection, investments, estate, lifestyle, legacy.
✅ Proven track record — we’ve helped clients recover from loss, manage windfalls, exit businesses, and rebuild for the long term.
Simple, clear language — we avoid financial jargon. We explain in plain English, so you and your family understand and feel confident.
Don't Know Where to Begin? Start Here.
Financial planning isn’t just about money — it’s about life.
In just two minutes, this quick and confidential assessment tool helps you reflect on what really matters, from your health and relationships to fun, freedom and fulfilment. In under two minutes, you’ll get a fresh perspective on your overall wellbeing. Once complete, we can use your responses to personalise advice around your goals and needs.
See which areas deserve more attention today.
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- Takes 2 minutes
- Get your score instantly
- Secure and confidential
Why Choose Lucent for Your Financial Planning?
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.(Numbers updated Dec 2025)
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...
"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!"
Ready to build your financial plan?
If you’re facing a life-changing event — or want to prepare for the unexpected — let’s start with a free, no-obligation conversation.
- 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.