Losing a Spouse — Your Finances Don’t Have to Be A Second Burden
You’ve just lost more than a partner — you’ve lost a shared life, routines, and perhaps the person who handled money for you. At a time of grief and upheaval, it’s hard to know what to do — yet decisions made now will shape your financial security for years to come.
At Lucent, we’re here to give you clarity, support and a steady hand — so your finances don’t add to your burden.
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)
Many Paths After Loss — But Only One You. Here’s What Might Be Coming
- Household income may drop significantly — especially if your spouse was the main earner. Pensions, benefits and joint income often change or disappear.
- Joint finances — mortgages, debts, bills, household expenses — might shift to you alone. That can be a hidden stress even amid grief.
- Pension or private pension death-benefits, life insurance or savings may come into your hands — but mismanaging them can be risky, costly or tax-inefficient.
- Estate tax, inheritance tax or probate complications — if affairs aren’t sorted quickly, family stress and legal costs can compound loss.
- Emotional stress and pressure — grieving, combined with financial uncertainty — can lead to decisions made too hastily (selling assets, spending lump sums, liquidating investments).
A Solid Action Plan Helps You Rebuild — Without Guesswork
Here’s what a thoughtful, compassionate financial plan can deliver:
- A clear snapshot of your new income, income-needs, debts, benefits, and expenses.
- Insight into whether pension, savings or insurance income will cover your monthly needs — now and in future.
- A tax-efficient strategy for any inherited pensions or savings — so you don’t lose more than you need to.
- Updated estate and protection planning: wills, beneficiaries, tax & inheritance strategy — to secure your legacy and protect your future stability.
- Liquidity planning — keeping emergency funds, avoiding forced asset sales, preserving long-term security.
- Emotional relief: a clear, calm plan made for you, when you’re under pressure.
That way — you don’t just survive; you begin to rebuild, with control and dignity.
How We Help when You Lose a Spouse — A Clear, Gentle 5-Step Support Path
1. We Listen — When You’re Ready
We start with a free, no-obligation, compassionate call to understand what has changed: income, assets, family, immediate worries, emotional priorities.
2. We Map Your Current Financial Situation
Pensions, savings, investments, homes, liabilities, benefits — we gather everything so you know exactly what you have and what you need.
3. We Project Realistic Income & Spending Scenarios
Will your income cover living expenses long-term? Where are the gaps? What needs protection or restructuring (pension drawdown, tax-efficient income, liquidity)?
4. We Build a Tailored Financial & Protection Plan
From consolidating pensions, managing insurance or inheritance payouts, cash-flow planning, tax/estate structuring — to investing or preserving capital carefully.
5. We Support Implementation & Ongoing Review
We guide or manage paperwork (pension trustees, insurance, wills, Power of Attorney), investments or withdrawals — and keep reviewing as life stabilises and evolves.
Why People Trust Us in the Hardest Times
✅ Empathy-first approach — we know grief brings emotional weight. We treat every case with care, discretion and human understanding.
✅ Independent, chartered advice — no product-pushing, no pressure — just what suits your situation and needs.
✅ Holistic planning — we pull together pensions, investments, protection, tax, estate — because everything changes after loss.
✅ Clarity and simplicity in communication — we avoid financial jargon. We explain in everyday language what’s changing, what matters, and what to do next.
✅ Discreet hand-holding through complexity — trustees, probate, inheritance tax, pension death-benefits — we help navigate the maze so you don’t have to.
See What Our Clients Say
We’ve helped hundreds of clients 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!"
Have you lost a loved one? Don't be alone with your finances.
Contact Lucent today for compassionate, expert financial advice to help secure your financial future during this difficult time.
- Has your spouse left you with investible assets exceeding £500k?
- Are you looking for guidance to manage your finances following the loss of your partner?
- Do you need help ensuring your financial future is secure without your spouse’s income?
- Are you interested in optimising your inheritance or estate for future generations?
If you answer yes to the above, get in touch.
FAQs
Give yourself time to grieve first. When you’re ready, work with a financial advisor to assess your situation and make decisions that align with your long-term goals.
We provide personalised advice on investing these funds to secure your financial future while avoiding emotional decisions that could affect your long-term stability.
Updating your Will, Powers of Attorney, and estate planning documents is crucial. Lucent can help you navigate these legal steps to protect your financial future.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.