Financial Wellness
Plan With Confidence, Live With Peace
Your relationship with money influences every chapter of life — from daily calm to major milestones like retirement, family planning, and business exit. Lucent integrates financial wellness into your financial plan, helping you remove uncertainty and make decisions with clarity and control.
Money is Supposed to Make You Happy, Right?
Let’s face it—money can be a real source of stress. Even when you’re sitting on a pile of it, somehow, it’s never quite enough to stop those nagging worries. At Lucent, we know that true financial wellbeing isn’t just about spreadsheets and investments; it’s about untangling the emotional knots that keep you up at night, worrying about money.
Our Financial Wellness Service is designed to free you from those pesky emotional baggage claims, so you can finally enjoy the wealth you’ve built—without all the drama.
What “Financial Wellness” Really Means
Financial wellness is achieved when:
✔ You understand your current finances with clarity
✔ You have a structured plan aligned to your goals
✔ You know what steps to take — and why
✔ You feel confident making financial decisions
✔ You reduce stress and financial uncertainty
✔ You have effective systems for managing risk, taxes and future needs
It’s measured by outcomes, not feelings.
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What’s Holding You Back?
Ever felt guilty for spending your own money? Or frozen with fear at the thought of a big financial decision? You’re not alone.
Here are a few ways your emotions might be holding you hostage:
Can’t Commit to a Big Purchase?
Whether it’s that holiday home or a sports car, something’s stopping you—maybe you just need permission to spend what’s yours.
Stuck in a ‘Money Mindset’ from Childhood?
If you grew up in a ‘save every penny’ household, those habits might be creeping into your millionaire lifestyle. It’s time to let go.
Inherited Wealth Guilt?
Your loved ones left it for you, but you’re still feeling the need to honour their ‘wishes.’ Problem is, their wishes might not align with your life.
Fear of Losing it All?
If you’re living the high life, the thought of losing your wealth can feel like a constant dark cloud. It doesn’t have to be this way.
Why Financial Wellness Matters
Whether you are:
- Growing wealth
- Managing family finances
- Approaching retirement
- Thinking about legacy
- Managing a business exit
- Navigating a life transition
Financial wellness leads to:
✔ Better sleep at night
✔ Better decision-making
✔ Less reactivity to market or life events
✔ More confidence about tomorrow
Not because money is the goal… but because a sound plan changes how you live life today.
The Four Pillars of Financial Wellness
1. Clear Financial Vision
Knowing where you are now and where you want to go:
• Financial priorities
• Lifestyle aspirations
• Personal goals (retirement, family, property, legacy)
2. Practical, Structured Planning
A real plan includes:
• Cashflow modelling
• Retirement income strategy
• Debt management
• Investment strategy
• Tax awareness
3. Confidence Through Education
We help you understand:
• What decisions matter most
• Why strategies are chosen
• How updates affect your path
Feel empowered, not overwhelmed.
4. Ongoing Review and Action
Life changes — so plans should too:
• Regular check-ins
• Goal recalibration
• Lifecycle transition planning
• Behaviour-supporting guidance when markets swing
Our Approach to Financial Wellness
We help people move from stress → clarity → confidence through:
- Understanding before advising - No assumptions. First, we listen. Then we plan.
- Communication without confusion - No jargon. Clear explanations. Written plans.
- Support through change - Life is dynamic. Your plan is too.
- Practical guidance when it matters - Not generic steps. Personal advice.
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How We Support YourFinancial Wellness
We use tools and processes that help you take the complexity out of your finances.
As part of our holistic financial planning service, we offer complimentary access to a Financial Wellness counsellor who can help you with:
Personalised Guidance
Our counsellor and advisors help you uncover what’s holding you back, so you can make decisions confidently and stop stressing.
Aligning Your Goals with Your Heart
Forget what society says—what do you want? We help you use your wealth in a way that makes you truly happy, not just tick a box.
Breaking Free from Emotional Barriers
Let’s break up with guilt, fear, and societal expectations, so you can start living the life you’ve worked hard to build.
Building Long-Term Confidence
With a solid financial plan, you’ll feel secure enough to enjoy your wealth without that constant worry.
How It Works
1. Let Us Build Your
Financial Plan
Become a financial planning client to access financial wellness support.
2. Professional Counsellor Support
When you need support, you’ll be guided by a financial wellbeing expert who gets it—no judgment, just solutions.
2. Three Sessions to Break Free
Most clients find that three counselling sessions do the trick. More are available if needed.
3. No Extra Cost, Just Extra Peace
Yep, it’s included as part of your comprehensive financial planning package.
Financial Wellness Scorecard
Financial planning isn’t just about money — it’s about life and being happy.
In just two minutes, this quick and confidential assessment tool helps you reflect on what really matters, from your health and relationships to fun, freedom and fulfilment. In under two minutes, you’ll get a fresh perspective on your overall wellbeing. Once complete, we can use your responses to personalise advice around your goals and needs.
See which areas deserve more attention today.
- It's free
- Takes 2 minutes
- Get your score instantly
- Secure and confidential
Listen to Our Podcast: Juggling Mind & Money
Juggling Mind and Money is our Podcast with Steve Rowe and Jessica Schlupp-Taylor.
- Steve is our founder and an award-winning independent financial planner. He helps you to use your money and have a great life.
- Jess is a psychologist supporting people through change, challenges and forks in the road of life.
In each episode they tackle some of the biggest worries people have about money. Together they will help you unblock the sludge in your mind, and help you achieve financial and psychological happiness.
Ready to kick financial anxiety to the curb?
Contact Lucent today and start living your best life—without the money worries.
- 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 wellbeing goes beyond just managing your assets. It’s about achieving peace of mind around your financial decisions and overcoming emotional barriers that prevent you from using your wealth to live a happier life.
Our tailored sessions are designed to identify the emotional sources of your financial anxiety and help you break free from them. We provide practical financial advice while addressing the emotional side of money management.
No, the service is for any of our clients who feels financial anxiety or emotional conflict around their money, regardless of their wealth level. We work with you to achieve both financial independence and emotional peace.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.