Financial Planning That's Aligned to Your Life Stage
Because What You Need at 25, 45, 65 or 80 Is Rarely the Same
Life isn’t static — your priorities, responsibilities and dreams evolve. Your money should adapt too. Let us guide you through each stage of life with a financial plan built for where you are — and where you’re heading.
From buying your first home, to growing a family, to planning retirement or safeguarding later years — we help you make the right decisions at the right time.
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Why Life-Stage Based Planning Matters
- Because your financial decisions today create your tomorrow. The wrong choices can cost decades — or a lifetime.
- Because opportunities come — first home, children, career peak, business exit, inheritance, care needs — and every milestone carries financial risk and reward.
- Because putting off planning until “later” often means paying more, losing flexibility or settling for less.
- Because a tailored plan protects what you value most — family, time, security, legacy.
Waiting until “someday” rarely works. Planning by life stage ensures you stay ahead of change.
Which Life Stage Are You In — And What Should You Do Next?
As you get older, your financial priorities change. So it's important that your financial plan adapts, keeping you on track at every stage. Each stage brings new opportunities — but also new challenges. We help you see both, and act now before they become urgent.
Here’s how your priorities might change...
20–35 Year's Old:
Start & Build
What’s Top of Mind?
- Student debt
- First home
- Career building
- Savings
- Early investments
What a Tailored Financial Plan Helps You Do
Get out of debt systematically, save for a home, build good financial habits, start investing intelligently.
30–50 Year's Old:
Grow & Protect
What’s Top of Mind?
- Family costs
- School or university fees for children
- Mortgage
- Reaching career peak
- Wealth accumulation
What a Tailored Financial Plan Helps You Do
Balance spending with saving, protect family and income, plan for children’s future, build investments for long-term security.
50–65 Year's Old:
Pre-Retirement & Peak Wealth
What’s Top of Mind?
- Retirement readiness
- Pensions
- Pensions consolidation
- Tax planning
- Peak assets
What a Tailored Financial Plan Helps You Do
Clarify retirement goals, optimise pensions and investments, tax-efficient planning, wealth protection.
65–75 Year's Old:
Retirement & Income Management
What’s Top of Mind?
- Managing retirement income
- Cashflow
- Estate planning
- Lifestyle
- Longevity risk
What a Tailored Financial Plan Helps You Do
Create reliable retirement income, manage cashflow and assets, optimise tax and inheritance strategy, ensure peace of mind.
75+ Year's Old:
Legacy & Care
What’s Top of Mind?
- Health costs
- Estate transfer
- Inheritance
- Care funding
- Legacy preservation
What a Tailored Financial Plan Helps You Do
Plan long-term care or healthcare funding, structure estate and inheritance, protect wealth for heirs, simplify finances
How Lucent Helps — A Simple, Stage-by-Stage Approach
- Discover where you are now — income, assets, goals, family, life plans.
- Define what matters in your stage — what you want to achieve or protect (home, family, retirement, legacy).
- Craft a tailored plan — pulling in the right services (investments, tax planning, protection, pensions, estate, cashflow).
- Implement efficiently — no guesswork, just clear steps and coordination across your finances.
- Review regularly as life changes — adjust the plan when circumstances, goals or stage shift.
We treat financial planning not as a one-off event — but as a living roadmap.
Why Clients Value Life-Stage Planning with Lucent
✅ Holistic and flexible: Planning that adjusts with you — not a fixed package.
✅ Experience over product-push: We recommend what suits you now — not what earns us commission.
✅ Clarity in complexity: We bring together pensions, investments, tax, protection and estate planning — so you see the full picture.
✅ Peace of mind: You know the big financial questions are answered — your future is protected.
✅ Long-term partnership: As your life changes, we evolve your plan — keeping it relevant, without panic.
Not Sure 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.
- Free
- 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)
Ready to build your financial plan?
If you’re at any life stage and uncertain whether your financial plan matches your ambitions or risks — start with a short, no-obligation call.
- 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.