Leave a Financial Legacy — Build Wealth That Lives On
Your wealth is more than your lifetime’s work — it’s your chance to shape what remains
Money doesn’t stay with you forever. But the impact you make — on your family, community, charity, future generations — can last decades. Legacy planning isn’t about dying rich. It’s about living wisely, planning ahead, and making sure what matters to you endures.
Whether you wish to provide for loved ones, support causes you care about, or preserve a family business through generations — the right plan turns good intentions into lasting results.
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’s at Risk Without a Thoughtful Legacy Plan
Leaving a financial legacy doesn’t just affect what you pass on—it impacts how you manage your wealth today. Here’s why:
- Assets may be eroded by inheritance tax (IHT), probate fees, inefficiencies — reducing what reaches your beneficiaries.
- Without updated Wills or proper legal structures (trusts, beneficiaries, powers of attorney), your estate could be delayed, contested or even lost.
- Property, pensions, business interests, investments — if poorly structured, they may trigger unnecessary tax or legal complications.
- Unplanned gifting or spending now may jeopardise your own long-term financial security.
- Without clarity and documentation, family disagreements, misinterpretation, disputes or poor use of assets can fracture relationships and ruin legacies.
.webp)
What a Robust Legacy Plan Can Deliver
Here’s what a thoughtful and well-designed legacy plan can deliver:
- A legally comprehensive Will or trust structure — ensuring assets go where you intend, with clear instructions and protection.
- Tax-efficient strategies — gifts, trusts, charitable giving or other structures that reduce IHT or tax for beneficiaries.
- A balanced financial plan — preserving wealth while allowing you to enjoy life today, without compromising future legacy.
- Flexibility and control — giving while living, defining conditional gifts (e.g. for children or grandchildren), aligning wealth with your values (charity, business succession, philanthropy).
- Clarity and peace of mind — everything documented, communicated, legally sound; minimises risk of disputes or confusion later.
- Growth and security — investments managed appropriately, tax and estate risks addressed, wealth preserved for next generation.
Our Legacy-Planning Process — 5 Steps to Build a Lasting Estate
One plan, many benefits — no surprises, just clarity and control.
1. Free Initial Consultation
We start by understanding your wishes. Who should benefit? When? Under what conditions? Then we chat about what matters most to you — income for dependants, education funding, property, philanthropy, family business, lifestyle, legacy values? Free, no-obligation.
2. We Map Your Entire Asset Base
Mortgages, property, pensions, investments, business interests, cash, life-insurance or other assets — everything that contributes to your estate.
3. Build a Tax- and Estate-Efficient Structure
We design a plan: Will, trusts (if needed), gifting strategy, protections — to preserve value, reduce IHT, avoid probate delays, and preserve flexibility.
4. Align Wealth Management with Your Legacy Plan
Investments, protection, cashflow, pension drawdown (if relevant) — all structured so that wealth grows, remains secure, and lives on according to your wishes.
5. We Support Implementation & Ongoing Review
Wealth needs evolve. Families grow or shrink; laws change; relationships shift. We provide ongoing review and updates — so your legacy remains on track.
Who This Page Is For
- Anyone with assets, property, pensions, business value, savings — even modest estates — who wants to protect what they pass on.
- Individuals or couples who want more than “a will” — and wish to preserve wealth, reduce tax, structure estate responsibly.
- Parents or grandparents wanting clarity for children/grandchildren (education, property, financial security).
- Business owners planning succession — ensuring business and personal wealth transfers smoothly.
- Anyone who wants confidence that their lifetime’s work will benefit loved ones or causes they care about — as intended.
Why People Trust Us with Their Legacy
✅ Holistic, independent advice — we don’t just focus on one piece (e.g. investments or wills); we bring pensions, tax, estate, investments, protection — together.
✅ Regulated and transparent — advice built around your life, not sales targets.
✅ Practical, credible structures — wills, trusts, gifting, tax-efficient wrappers — aligned with current UK regulations and estate-planning best practice.
✅ Flexible and values-driven — whether you care about family, charity, business continuity or legacy values — we help you shape what “success” looks like.
✅ Long-term support — we don’t just set up a plan once — we review, adapt, adjust as laws, circumstances or family situations change.
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!"
Ready to create a lasting financial legacy?
Contact Lucent today to help you design a financial plan that reflects your values and ensures your wealth has the impact you want.
- Are you considering leaving an inheritance of over £500k to your family or loved ones?
- Do you want professional advice on structuring your estate efficiently?
- Are you seeking ways to minimise inheritance tax for your beneficiaries?
- Would you like help ensuring your legacy reflects your values and wishes?
If you answer yes to the above, get in touch.
FAQs
We’ll help you explore tax-efficient strategies like gifting, trusts, and charitable donations to reduce the inheritance tax burden on your estate.
Absolutely! Gifting during your lifetime can help reduce your estate’s tax burden and lets you see the positive impact of your legacy. We’ll guide you on how to balance that with your own financial needs.
Clear communication is key. We’ll help you manage expectations, set up trusts, and create a plan that ensures your wealth is distributed fairly and in line with your wishes.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.