Lucent Financial Planning logo with three translucent water droplets above the company name in dark and light blue text.
About

What Make Us Different

Our Service

Get a high-level overview of our financial planning services tailored for individuals, families and busines owners.

Our Pricing

Find all you need to know about how we charge for our financial planning service.

Our Financial Planning Philosophy

Discover our holistic, purpose-driven approach to managing your wealth.

Our Investment Philosophy

Explore how our evidence-based, risk-managed approach ensures your money works harder for you.

Our Purpose

Explore how we help people get more from life by getting more from their money.

Our Credentials

Meet Our Experts

Meet the advisers and support team who are dedicated to building your financial future.

Our Client Stories

Discover how we help clients achieve their financial goals, straight from the people who’ve experienced it.

Awards & Accreditations

Have a look at some of the awards we've picked up in recognition of our commitment to client service.

Careers

Fancy joining us? Take a look at our current vacancies or send us your CV for future consideration.

Our Latest Insights

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Why Insurance Is One of the Best Financial Decisions You'll (Hopefully) Never Need

Many people insure their car, home and possessions but overlook their greatest asset: their ability to earn an income. Discover why life insurance, critical illness cover and income protection can help protect your family, finances and future.

Read More
Beyond the Hospital Bill: The Hidden Cost of Unexpected Illness

Wealth isn’t the same as resilience. Learn how to protect your health, family, and finances from the hidden costs of unexpected illness.

Read More
Access Our Free Resources
How We Help

Financial Planning by Life Stage

20-35 Year-Olds

Your financial priorities are all about stability, managing debt, and building your future wealth.

35-50 Year-Olds

Your financial focus shifts from laying the groundwork to growing and protecting your wealth.

50-65 Year-Olds

Your financial priorities shift to building your retirement plans and optimising your wealth.

65-75 Year-Olds

Your focus is to preserving wealth, managing your income, and planning for future needs.

75+ Year-Olds

Your focus is to secure healthcare requirements, manage long-term care costs, and wealth transfer.

Financial Planning for Life-Changing Events

Death of a Spouse

Build a plan for your long-term security.

Getting Divorced or Separated

Plan to navigate the emotional and financial challenges.

Inheriting Money

Ensure your inheritance sets you up for long-term success.

Leave a Financial Legacy

Build a plan to make sure what matters to you lives on.

Personal Injury Settlement

Plan to ensure your long-term security and care.

Planning for Later Life Care

Ensure your loved ones aren't left to pick up the bill.

Selling a Business

Ensure the proceeds from your business exit work hard.

Winning the Lottery

Enjoy your windfall without squandering your wealth.

Our Services

photo of a family in the park enjoying life after building a financial plan
Financial Planning for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Go To Service
photo of business owner planning their finances
Financial Planning for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

Go To Service
Financial Wellness

Complimentary access to a financial wellbeing consultant is included as part of your plan.

Go To Service
What Our Clients Say About Us
Services

Our Core Services

Financial Plan for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Financial Plan for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

What's Included in Your Financial Plan

Retirement Planning & Pensions Review

Plan the retirement you deserve with our smart strategies.

Inheritance Tax Planning Advice

Navigate the complexity of inheritance tax planning.

Investment Management Advice

Advising you on how to grow and protect your wealth.

Tax Planning Advice

Build smart strategies so you can keep more money.

Financial Protection Advice

Making sure you're prepared for what life throws your way.

Cashflow Modelling

Helping you to visualise your long-term financial future.

Additional Benefits

Financial Wellness

Complimentary access to a financial wellbeing specialist is included as part of your financial planning service.

Discover What You Get
Lucent Community

Become part of the Lucent Community and get exclusive access to VIP events and more.  

Find Out More
What Our Clients Say About Us
Resources

Resources Overview

A-Z Glossary

Our A-Z glossary breaks down key terms in plain English.

Events

Join our events where you can learn, connect, and have fun!

Guides

Download our free guides for a deeper understanding of financial planning.

On-Demand Content

Blogs

Our experts share their insights on all things financial planning.

Podcast

Stream the latest episodes of Juggling Mind & Money.

Videos

Our video shorts make financial planning easy to understand.  

MyLucent - New Client Portal

MyLucent

Welcome to MyLucent our new client portal where you can access all your financial infomration.

Find out more
See Our Service Overview
Community

Lucent Community

Overview

Get an overview of the Lucent Community that all clients get access to when building a financial plan with us.

Be Part of Something Bigger!

Join Ubuntu - Private Community App

Ubuntu is our private community platform that lets clients access exclusive resources, online support and more.

Our Events

From educational seminars to our legendary summer parties, there’s always a good excuse to bring us together and have fun.

Our Services

photo of a family in the park enjoying life after building a financial plan
Financial Planning for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Go To Service
photo of business owner planning their finances
Financial Planning for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

Go To Service
See What Our Clients Say
Contact
Client Portal Login
Client Portal
Lucent Financial Planning logo with three translucent water droplets above the company name in dark and light blue text.
About

What Make Us Different

Our Service

Get a high-level overview of our financial planning services tailored for individuals, families and busines owners.

Our Pricing

Find all you need to know about how we charge for our financial planning service.

Our Financial Planning Philosophy

Discover our holistic, purpose-driven approach to managing your wealth.

Our Investment Philosophy

Explore how our evidence-based, risk-managed approach ensures your money works harder for you.

Our Purpose

Explore how we help people get more from life by getting more from their money.

Our Credentials

Meet Our Experts

Meet the advisers and support team who are dedicated to building your financial future.

Our Client Stories

Discover how we help clients achieve their financial goals, straight from the people who’ve experienced it.

Awards & Accreditations

Have a look at some of the awards we've picked up in recognition of our commitment to client service.

Careers

Fancy joining us? Take a look at our current vacancies or send us your CV for future consideration.

Our Latest Insights

Article Title

Lorem ipsum dolor sit amet consectetur elit

Read more
Article Title

Lorem ipsum dolor sit amet consectetur elit

Read more
Why Insurance Is One of the Best Financial Decisions You'll (Hopefully) Never Need

Many people insure their car, home and possessions but overlook their greatest asset: their ability to earn an income. Discover why life insurance, critical illness cover and income protection can help protect your family, finances and future.

Read More
Beyond the Hospital Bill: The Hidden Cost of Unexpected Illness

Wealth isn’t the same as resilience. Learn how to protect your health, family, and finances from the hidden costs of unexpected illness.

Read More
Access Our Free Resources
How We Help

Financial Planning by Life Stage

20-35 Year-Olds

Your financial priorities are all about stability, managing debt, and building your future wealth.

35-50 Year-Olds

Your financial focus shifts from laying the groundwork to growing and protecting your wealth.

50-65 Year-Olds

Your financial priorities shift to building your retirement plans and optimising your wealth.

65-75 Year-Olds

Your focus is to preserving wealth, managing your income, and planning for future needs.

75+ Year-Olds

Your focus is to secure healthcare requirements, manage long-term care costs, and wealth transfer.

Financial Planning for Life-Changing Events

Death of a Spouse

Build a plan for your long-term security.

Getting Divorced or Separated

Plan to navigate the emotional and financial challenges.

Inheriting Money

Ensure your inheritance sets you up for long-term success.

Leave a Financial Legacy

Build a plan to make sure what matters to you lives on.

Personal Injury Settlement

Plan to ensure your long-term security and care.

Planning for Later Life Care

Ensure your loved ones aren't left to pick up the bill.

Selling a Business

Ensure the proceeds from your business exit work hard.

Winning the Lottery

Enjoy your windfall without squandering your wealth.

Our Services

photo of a family in the park enjoying life after building a financial plan
Financial Planning for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Go To Service
photo of business owner planning their finances
Financial Planning for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

Go To Service
Financial Wellness

Complimentary access to a financial wellbeing consultant is included as part of your plan.

Go To Service
What Our Clients Say About Us
Services

Our Core Services

Financial Plan for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Financial Plan for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

What's Included in Your Financial Plan

Retirement Planning & Pensions Review

Plan the retirement you deserve with our smart strategies.

Inheritance Tax Planning Advice

Navigate the complexity of inheritance tax planning.

Investment Management Advice

Advising you on how to grow and protect your wealth.

Tax Planning Advice

Build smart strategies so you can keep more money.

Financial Protection Advice

Making sure you're prepared for what life throws your way.

Cashflow Modelling

Helping you to visualise your long-term financial future.

Additional Benefits

Financial Wellness

Complimentary access to a financial wellbeing specialist is included as part of your financial planning service.

Discover What You Get
Lucent Community

Become part of the Lucent Community and get exclusive access to VIP events and more.  

Find Out More
What Our Clients Say About Us
Resources

Resources Overview

A-Z Glossary

Our A-Z glossary breaks down key terms in plain English.

Events

Join our events where you can learn, connect, and have fun!

Guides

Download our free guides for a deeper understanding of financial planning.

On-Demand Content

Blogs

Our experts share their insights on all things financial planning.

Podcast

Stream the latest episodes of Juggling Mind & Money.

Videos

Our video shorts make financial planning easy to understand.  

MyLucent - New Client Portal

MyLucent

Welcome to MyLucent our new client portal where you can access all your financial infomration.

Find out more
See Our Service Overview
Community

Lucent Community

Overview

Get an overview of the Lucent Community that all clients get access to when building a financial plan with us.

Be Part of Something Bigger!

Join Ubuntu - Private Community App

Ubuntu is our private community platform that lets clients access exclusive resources, online support and more.

Our Events

From educational seminars to our legendary summer parties, there’s always a good excuse to bring us together and have fun.

Our Services

photo of a family in the park enjoying life after building a financial plan
Financial Planning for Individuals & Families

Take control of your future with financial planning that works for you and your family.

Go To Service
photo of business owner planning their finances
Financial Planning for Business Owners

Secure your business and personal wealth with a financial plan that works as hard as you.

Go To Service
See What Our Clients Say
Contact
Client Portal Login
Client Portal

Human Rights Commitment Statement

At Lucent Financial Planning, we are committed to respecting human rights, protecting the dignity of individuals and treating people fairly throughout our business operations.

Our commitment is guided by the following internationally recognised frameworks:

  • UN Guiding Principles on Business and Human Rights (UNGPs): We are committed to respecting human rights and seeking to prevent or address adverse human rights impacts connected with our business activities.
  • Universal Declaration of Human Rights (UDHR): We recognise and respect the fundamental rights, freedoms, equality and dignity of all people.
  • International Labour Organization (ILO) Declaration on Fundamental Principles and Rights at Work: We support freedom of association and the effective recognition of collective bargaining, the elimination of forced labour and child labour, the elimination of discrimination in employment and occupation, and a safe and healthy working environment.

We are committed to treating our employees, customers, suppliers, business partners and other stakeholders with dignity, fairness and respect.

We aim to identify, prevent and address human rights risks associated with our business activities and relevant business relationships. We expect our employees and business partners to act consistently with these principles and applicable human rights and labour standards.

We will review this commitment periodically to ensure it remains relevant to our business and our responsibilities.

This statement has been approved by the management of Lucent Financial Planning and is publicly available on our website.

Approved by: Steven Rowe, Founder, Lucent Financial Planning
Date of approval: 09/10/2026
Last reviewed: 09/10/2026

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Lucent Financial Planning logo with three translucent water droplets above the company name in dark and light blue text.
About Us
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Financial Planning for Individuals & FamiliesFinancial Planning for Business OwnersFinancial WellnessPlanning by Life StagePlanning for Life EventsLucent Community
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Retirement Planning & PensionsInheritance Tax PlanningInvestment PlanningTax PlanningFinancial ProtectionCashflow Modelling
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Contact Us
© 2026 Lucent Financial Planning Ltd. All rights reserved.
Privacy PolicyWebsite Terms of ServiceCookie Policy
© 2024 Relume. All rights reserved.

Lucent Financial Planning Ltd (Trading Name Lucent) is authorised and regulated by the Financial Conduct Authority. Lucent Financial Planning Ltd is entered on the FCA Firm Checker https://www.fca.org.uk/consumers/fca-firm-checker. Our Firm Reference Number is 945107.

Registered in England and Wales No. 08191924. Registered address: 1b The Exchange, 20a Poplar Road, Solihull, B91 3AB. Telephone: 0121 705 1000.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

The value of your investment can go down as well as up and you may not get back the full amount you invested.

The Financial Conduct Authority does not regulate Inheritance Tax Planning, Trusts, Will Writing, Cashflow Planning, Power of Attorneys, and some forms of Business Planning and School Fees Planning.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The value of your investments (and any income from them) can go down as well as up, which would have an impact on the level of pension benefits available.

We do not offer mortgage advice. As a mortgage or Lifetime Mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

Responsible Business
We are committed to respecting human rights, protecting the dignity of individuals and treating people fairly throughout our business operations. Read our Human Rights Commitment Statement here.

Complaints
If you wish to register a complaint, please email info@lucentfinancialplanning.co.uk, or write to us at Lucent Financial Planning Ltd, Compliance Manager, 1b The Exchange, 20a Poplar Road, Solihull, West Midlands, B91 3AB United Kingdom or telephone us on 0121 705 1000.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available here. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

Beyond Security

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