Financial Planning for 35-50 Year-Olds
Your peak earning years — a time when smart decisions matter most
You’re earning more, achieving more — but so are your responsibilities. Home, family, mortgage, career goals, retirement, education costs, taxes… it can feel like you’re walking a financial tightrope.Now is the time when choices made matter — either to set up the next 30+ years with confidence, or risk decades of stress and catch-up.
At Lucent, we help people in their 30s and 40s build financial plans that balance now and later: growing wealth, protecting what matters, and keeping options open — whatever the future brings.
What’s at Stake
- Rising commitments: Mortgage, child or family costs, elder care, school or university fees, business investment, lifestyle inflation.
- Growing complexity: Income, investments, pensions, property, tax — it’s easy for parts to work in isolation rather than as a joined-up plan.
- Time pressure on long-term goals: With retirement decades away, pension gaps, tax inefficiencies or poor investment choices now can cost you far more than you imagine. According to current guidelines, by 40 you should ideally have around two times your salary saved to stay on track.
- Estate and legacy risk: As wealth grows, so does the potential for tax, inheritance complications, and unintended gaps in protection or planning.
Without a clear, joined-up financial plan, it’s easy to drift — and costly to catch up.
What a “Growth-Phase” Plan Looks Like
When you get it right, your financial plan should:
- Show whether your current savings, pensions and investments match your long-term goals (retirement, children’s education, home upgrades, business ambitions)
- Help you protect what matters — your family, your income, your legacy — against unexpected risks or life changes
- Optimise tax, pensions, investments and estate planning so wealth works as hard as possible
- Give clarity over future decisions: when you can retire, if you can afford lifestyle upgrades, how to manage debt, tax and income together
- Provide flexibility: life changes — career, children, home, business — and your plan flexes with you
In short: a roadmap for growth — not guesswork.
How We Work with You — Simple, Clear, Stage-Focussed
No overwhelming financial engineering. Just smart, honest, long-term thinking.
1. Free Financial Consultation
We discuss your current position — income, assets, liabilities (mortgage, debts), family responsibilities, goals, obligations like children’s education or elder care.
2. Modelling
We project future financial scenarios — pensions, investments, property, lifestyle, cashflow, tax, estate needs — what’s realistic, what’s at risk.
3. Build Your Plan
We build a tailored plan — from pension top-ups to tax-efficient strategies, protection, investment diversification, estate or IHT planning if needed.
4. Implement
We help implement and co-ordinate — not just “advice”, but execution support (investments, protection, cashflow modelling).
5. Ongoing Support & Review
We review as life changes — career shifts, income swings, family growth — keeping the plan relevant and robust.
Who This Page Is For
- Professionals and families balancing mortgages, childcare, education costs, and long-term goals
- Business owners or entrepreneurs looking to grow, protect and exit wisely
- High-earners with complex finances — pensions, investments, property, tax — seeking clarity and efficiency
- Anyone who wants to use peak earning years effectively — not just for now, but for decades to come
If you value financial freedom, but also want stability and future options — we can help you.
Why Clients in Their late 30s & 40s Trust Lucent
✅ Holistic financial advice: pensions, investments, tax, estate, protection — everything connected, not siloed
✅ Independent, regulated, chartered advisers — your plan is ours, not a product quiver
✅ Clear, human communication — we speak your language, not jargons
✅ Long-term partnership, not one-off sale — we evolve your plan as your life evolves
✅ Flexibility and depth — plan adapts to career changes, family growth, business life, property, market shifts
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 make the most of your wealth-building years?
Let’s take a quick, no-obligation look at where you stand now — and where you could be in 5, 10, 20 years.
- 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.
FAQs
Maximising pension contributions, securing your family’s financial future, and diversifying your investments should be key priorities.
We provide strategies that balance enjoying life today with planning for future financial goals. Our tailored advice helps you maintain a comfortable lifestyle while securing long-term financial stability.
The Growth Stage is an ideal time to start planning for inheritance tax as your wealth accumulates. We can help you set up trusts, wills, and gifting strategies to minimise tax liabilities for your heirs.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.