Financial Planning for Individuals & Families Across the Midlands
Clarity, confidence and a structured financial plan for life’s biggest decisions
If your finances feel harder to coordinate than they should — balancing everyday life, family priorities, long-term plans and an uncertain future — holistic financial planning brings everything back into focus.
At Lucent, we help clients across the Midlands create one clear, structured financial plan so you can see exactly where you stand today, what’s possible tomorrow, and what needs to change to get there.
Why Choose Lucent for Your Family’s 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)
The Problem Most Families In Birmingham Face
Life rarely moves in straight lines.
- Income changes.
- Children grow.
- Priorities shift.
- Costs rise.
Retirement feels closer — but harder to define.
Most families don’t struggle because they lack ambition. They struggle because their decisions are disconnected:
- Saving without knowing what it’s truly for
- Investing without a long-term structure
- Spending without clear boundaries
- Planning for retirement without confidence in the numbers
- Helping children without knowing the impact on your own future
Without a joined-up plan, financial decisions become reactive instead of deliberate.
One Clear Financial Plan for Your Life
At Lucent, our holistic financial planning brings every part of your financial life into one clear, working structure.
Your financial plan connects:
- Your income and spending
- Your savings and investments
- Your tax position
- Your retirement goals
- Your family responsibilities
- Your estate and legacy wishes
So instead of guessing, hoping or reacting, you can make decisions with clarity, confidence and control.
What Life Looks Like With a Clear Financial Plan
With the right structure in place, individuals and families typically gain:
✔️ A clear answer to “Are we on track?”
✔️ Confidence around when retirement becomes possible
✔️ Visibility on what you can safely afford now
✔️ Understanding of how tax really affects your future
✔️ Reassurance that your family will be protected
✔️ Control over how wealth is passed on
Financial planning doesn’t remove uncertainty from life — but it removes uncertainty from your money.
How Our Financial Planning Process Works
Financial planning doesn’t have to be dull or overwhelming. Planning for your future should be exciting, and we make sure that it is.
We keep the process simple, structured and transparent - here's how it works:
1. Fact Find
We begin with a detailed conversation about your life, dreams, priorities, concerns and ambitions — not just your finances.
2. Modelling
We build a full financial model that shows where you are now, how your future may unfold, and the impact of different choices before you make them.
3. Your Plan
We create a clear, written financial plan that connects all moving parts into one joined-up strategy.
4. Implement
Where appropriate, we help implement the solutions — investments, protection, tax planning and IHT planning.
5. Ongoing Support & Review
Life changes. Your plan evolves with it. We regularly review progress and adjust where needed.
What Our Finanical PlanCan Help You Prepare For
At Lucent, we’re all about making your money work as hard as you do.
And that's why we take a holistic approach to building your financial plan. We cover everything you need to sort out your finances and keep things moving in the right direction.
Retirement Planning & Pensions
Plan the retirement you deserve with our smart strategies.
Inheritance Tax Planning
Navigate the complexity of inheritance tax planning.
.webp){kind=icon}
Investment Management
Strategies on how to grow and protect your wealth.
Tax Planning
Build smart strategies so you can keep more money.
Protection for You & Your Family
Making sure you're prepared for what life throws at you.
Major Life Events
Children, house moves, career changes, separation & the unexpected.
Additional Features of Your Financial Plan
Your financial life isn’t just about numbers—it’s about security, dreams, and peace of mind.
Here’s some extra features that come with your financial plan:
Fixed Price of £3,000
We believe great financial planning advice should come with straightforward pricing—no hidden fees, no nasty surprises.
.webp){kind=icon}
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.
Lucent Community
We've built a thriving community of like-minded clients who want to get the most out of life by learning together, exploring new places, and celebrating at exclusive events.
Tailored To You
We know every family is different, so we build your financial plan around your unique needs, goals, and lifestyle aspirations.
Why Clients Choose Lucent for Their Financial Planning
Families work with Lucent because they want advice that is both professionally rigorous and personally human. Plus, we're fun to work with!
✅ Chartered Financial Planners — among the highest professional standards in the UK
✅ Independent advice — unrestricted by product providers
✅ Holistic planning — not fragmented product sales
✅ Clear modelling — so you can see decisions before you make them
✅ Straight-talking guidance — professional, but never intimidating
You stay in control. We simply bring clarity to your decisions.
"They Didn't Put Us Under Any Pressure"
Sue and her husband John explain how they ended up as Lucent clients. Hear their story.
How Will You Score On Your Financial Planning?
Think you’ve got your finances in order?
Most people are surprised by their results. In just two minutes, 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 to do
- Takes 2 minutes
- Get your score instantly
- Secure and confidential
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?
Don’t leave your financial future to chance. At Lucent, we’ll help you take control with a plan that works for you and your family. Contact us today for a free consultation.
- Do you want to create a financial plan that supports your family’s lifestyle and future goals?
- Are you looking to build and protect your wealth for future generations?
- Do you need advice on managing investments, savings, and debt as a family unit?
- Are you seeking guidance on how to achieve financial security and independence for your family?
If you answer yes to the above, get in touch.
FAQs
Financial planning involves setting life goals, assessing your financial situation, and creating a strategy to reach those goals. It includes reviewing your income, expenses, assets, and liabilities to develop effective saving, investing, and money management strategies.
Financial Planners work with you to understand your financial and life goals and develop strategies to achieve them. The time to call for their advice is when need to make a complex financial decision or when you face a major life event such as marriage, the birth of a child, planning for retirement or the death of a loved one.
We identify opportunities to reduce your tax liabilities through effective use of tax allowances, reliefs, and strategies like pensions, ISAs, and trusts, ensuring that more of your wealth is preserved.
Cashflow modelling provides a detailed projection of your future income, expenses, and savings. It helps you understand how your financial choices today will affect your future, allowing you to make more informed decisions.
Depending on the complexity of your financial affairs, we can build your financial plan within a couple of weeks to a month.
If you don't give us all the information, you’ll get a plan with holes in it. We need that information understand the extent of the problem, when we know that, we can plan effectively.
If you're married and leaving your home to your children or direct descendants, then estates in excess of £1 million could do with additional planning. If single, then anything over £325,000 could suffer inheritance tax.
Approximate guesses are fine. Numbers change daily anyway, so a rough idea is fine.
They may have differing opinions to yours and so it is vital you are both aware of them and joined up on this matter.
Preferably, but we are also available on video call.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.