You’ve Received a Personal Injury Settlement — Now Make It Work for Life
A one-time award should not become a lifetime worry
A personal injury compensation award can feel like a lifeline — a chance to rebuild, recover, and plan ahead. But that lump sum is not a guarantee: without careful planning, it can be eroded by poor decisions, tax, inflation, care costs or loss of state benefits.
At Lucent, we help people who’ve received settlements turn that award into lasting security: ensuring it covers current needs, supports long-term wellbeing, and protects your future — your income, health, lifestyle, dignity.
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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 Stake — Why This Matters Now
- Benefit and care-cost eligibility — a large lump sum can jeopardise eligibility for benefits or means-tested support. A properly structured fund — often via a Personal Injury Trust — may protect compensation while preserving access to benefits or care support.
- Income & inflation risk — money in cash or poorly invested may lose value over time. Settlements intended to support lifelong needs must outlast you.
- Medical, care or ongoing support costs — injury often brings uncertain future costs: medical treatment, adaptations, care, reduced earnings. Without planning, funds can run out prematurely.
- Legal, tax and estate issues — assets, investments, property or trusts must be structured properly to avoid tax pitfalls, disputes or forced asset sales.
- Emotional stress & decision fatigue — after trauma or long legal battles, judgement can be clouded. A lump-sum award can feel overwhelming; poor decisions under emotional pressure can cause long-term regret.
Without a clear financial plan, a ‘lifeline’ can become a burden. The right plan turns a settlement into long-term security.
What a Solid Settlement-Planning Strategy Should Deliver
- Protection of award with minimal risk to benefits or care-entitlement (e.g. via a Personal Injury Trust).
- Clear cashflow planning — ensuring routine expenses, care costs, and future needs are covered.
- Tax-aware investment and asset allocation strategy to preserve value, grow capital, guard against inflation.
- Estate and legacy planning — protecting assets over time, aligning with wills/trusts, safeguarding family or dependants.
- Flexibility to adapt as needs evolve: medical, health, care costs, income changes, lifestyle.
- Clarity and simplicity — no complex jargon or mis-steps, just a sustainable plan based on your circumstances.
How We Help — A Step-by-Step Settlement Support Plan
We treat a settlement not as a one-off event — but as a lifetime asset needing ongoing stewardship.
1. We Listen — Respectfully and Discreetly
We begin with a private, no-pressure consultation to understand your situation, injury status, likely future needs, and any benefit or care-related considerations. Free, no-obligation.
2. We Map Everything — Assets, Needs & Liabilities
In a comprehensive fact-find we gather: the settlement award, any existing income or benefits, medical/care costs expectations, housing and living costs, family & dependants, existing pensions/investments, liabilities.
3. We Design a Tailored Plan
Depending on your award size, health, benefit eligibility and life needs — we may recommend: setting up a personal injury trust, building a cashflow model to explore future medical costs, long-term asset strcuturing to ensure stability and protection for dependents.
4. Implementation & Co-ordination with Legal/Medical Teams
We coordinate with your solicitor, trustees, care providers — where needed — to implement trusts, manage transfers, choose investments, set up access, review benefit or care entitlements.
5. Ongoing Review & Support — We Stay With You
As your health, needs, legislation or family circumstances change — we periodically review your plan, adjust investments or protections, and ensure your settlement continues to work as intended.
Who This Page Is For — And What Kind of Settlement
- Individuals who have received — or are about to receive — a personal injury, medical-negligence, compensation or lump-sum award.
- People who value long-term security: those with serious injuries, ongoing care needs, uncertain income or reliance on state benefits.
- Families or dependants who want to safeguard the settlement for future care, income or legacy.
- Anyone uncertain how to manage a lump-sum award: wealth preservation, trust structuring, benefit eligibility, medical costs, future needs.
- Awards of all sizes — we tailor advice to your situation.
Whether your settlement is modest or substantial, the need for financial planning remains.
Why Clients Trust Us to Handle Settlement Money
✅ We understand the special complexity of settlements: trusts, benefits, ongoing care, longevity — not generic financial planning.
✅ Holistic and independent advice: investments, protection, benefits, cashflow, estate — all in one joined-up plan.
✅ Empathetic, client-first service — we prioritise your welfare, health, dignity; we don’t push products.
✅ Practical, long-term focus — we plan for ongoing needs, not just the “honeymoon period” after a settlement.
✅ Coordination across legal, medical, benefits, trust and financial domains — sparing you the pain of managing it all alone.
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 make the most of your settlement?
Contact Lucent today if you’ve received a settlement — or expect one soon — and you want to ensure it lasts, supports your needs, and protects your future
- Have you received a settlement of £500k or more for your personal injury claim?
- Are you looking for financial planning to manage and invest your settlement wisely?
- Do you need advice on structuring your funds to support your long-term financial needs?
- Would you like assistance ensuring your settlement provides for you over the long term?
If you answer yes to the above, get in touch.
FAQs
Working with a financial planner is key. At Lucent, we’ll help you create a long-term strategy that ensures your settlement covers your medical, living, and future needs.
Yes, investing a portion of your settlement in low-risk assets can help your money grow over time. We’ll guide you through the best options based on your goals and risk tolerance.
First, take time to process. Once you’re ready, create a budget and consult with a financial advisor to make sure your funds are managed effectively for the long haul.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.