Our Core Service:Financial Planning
Clear, Independent Financial Planning for Every Part of Your Life
At Lucent, financial planning is not a set of products — it’s a lifelong relationship that helps you make confident decisions about your money.
Your financial plan brings together every part of your life: retirement, investments, tax, estate, family protection and long-term goals. We help you understand your options, make informed choices and stay on track — today and for the future.
If you’re looking for clarity, structure and confidence in your financial life, this is where it starts.
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Clients Trust Lucent 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 Our Financial Planning Helps You Achieve
Financial planning is the foundation of what we do.
We build you one clear plan that connects everything together including:
✔ Understanding your goals, values and priorities
✔ Mapping where you are today
✔ Modelling your future — retirement, lifestyle, family needs
✔ Structuring your finances tax-efficiently
✔ Ensuring you can live your life with clarity and confidence
All These Elements ArePart Of Your Financial Plan
Our financial planning service covers everything you need to sort out your finances and keep things moving in the right direction.
Everything below is included in your financial plan and delivered as part of a joined-up service:
Retirement Planning & Pensions
A clear roadmap showing when you can afford to retire, how long your money will last, and how to draw income sustainably.
Inheritance Tax Planning
Protect your assets, minimise inheritance tax, and ensure your wealth passes to the people you choose — without unnecessary complexity.
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Investment Management
A disciplined, independent investment strategy designed around your goals, risk level and long-term needs — not market noise.
Tax Planning
Strategies to reduce tax on your income, investments and withdrawals — helping more of your money stay with you and your family.
Cashflow Modelling
See your financial future in clear, visual scenarios — retirement dates, spending goals, “what-if” decisions and investment outcomes.
Financial Protection
Life cover, critical illness, income protection and planning for unforeseen events — ensuring your family stays secure through every stage of life.
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Financial Wellness
We know money causes stress. So that’s why your financial plan gives you complimentary access to wellness specialists to untangle the emotional knots that keep you awake at night.
Major Life Events
Whatever life may throw at you - children, house moves, career changes, separation & the unexpected - we're here to help you navigate it.
Helping Clients in Birmingham & the Midlands
At Lucent, we work with high-achieving individuals, families and entrepreneurs who have a clear vision for their future and at least £500k in investible assets. We're based in Solihull and advise clients in Birmingham, across the Midlands and further afield.
Our clients are generally:
- Individuals in senior executive positions
- Families in high-income households
- Entrepreneurs with £1m+ turnover businesses
- Wealthy retirees
Whether you’re building, protecting, transitioning or simplifying — we meet you where you are.
We support individuals and families who are planning for retirement, investing wisely, protecting loved ones and building long-term security.
We support owner-managers with linking personal and business finances, planning exits, managing tax and protecting wealth through transition.
Not Sure What You Need? Start Here.
Most clients don’t know exactly which service they need — and you don’t have to.
This quick and confidential assessment highlights how confident you really feel about key areas of your financial life — and where the blind spots might be. Once complete, we can use your responses to personalise advice around your goals and needs.
Get your score and see where you stand today
- Free
- Takes 2 minutes
- Get your score instantly
- Secure and confidential
"One of the Best Decisions I've Ever Made"
When Dave needed guidance on his pension, his friend recommended Lucent. Hear Dave's take on Lucent and why he has never looked back.
What Our Clients Say
We’ve helped hundreds of clients in Birmingham and 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 build your financial plan?
Contact Lucent today to start building a financial plan that secures your family’s future and maximises your earning potential.
- 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
Financial planning is a roadmap for your financial future, encompassing the understanding of your current situation, setting life goals, and developing strategies for achieving them, including budgeting, saving, investing, and retirement planning.
Yes! Lucent Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority, and entered on the Financial Services Register (https://register.fca.org.uk/) under firm reference number 945107. You can get more information in the footer section of this website. Please note: The Financial Conduct Authority does not regulate Inheritance Tax Planning, Tax Planning or Business Planning.
Yes! We are proudly independent and provide unbiased financial advice to all our clients. We are not part of a broker-dealer, nor are we tied to any financial institutions or financial products.
Yes! Many of our Financial Planners hold Chartered status with the Chartered Insurance Institute (CII). Chartered Financial Planners are considered as the highest qualified in the UK. To maintain Chartered status, our experts are required to maintain their standards through on-going professional development, adhere to the CII's code of ethics and demonstrate a commitment to delivering high-quality service to clients.
No. Whilst our main office is located in Solihull, many of our clients come from all areas of the United Kingdom. We can serve you equally well whether you prefer to meet us in person or by video call.
Preferably, but we are also available on video call.
Absolutely! Many of our clients have switched to Lucent from other providers, some of which are the large financial institutions that make the headlines for the wrong reasons!
They most certainly are - and we are proud of every single one! Our clients value the 'je ne sais quoi' we put into forging deep and meaningful relationships and are only too happy to share their Lucent experience on independent rating sites.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.