Investment Management Advice
Grow What You’ve Earned. Protect What Matters.
If you have savings, investments or surplus assets — but aren’t sure if they’re working hard enough, or aligned with your long-term goals — professional investment management can transform uncertainty into a clear, purpose-driven plan.
At Lucent, investment management is integrated in your wider financial plan — designed to align your portfolio with your personal financial goals, risk appetite, and long-term plans.
Clients Trust Lucent for Investment Planning Advice
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)
Why most investment strategies fail or underperform
- Portfolios spread across funds and accounts — but rarely reviewed or connected to life goals.
- Unclear risk levels — some investors are too cautious, others too aggressive — neither matched to goals or time horizon.
- A reactive mix of investments, not a proactive, long-term strategy — leading to unnecessary tax, poor diversification or missed opportunities.
- Business owners often leave surplus cash idle, or separate from personal finances — so wealth doesn’t grow as efficiently.
Without a proper strategy, you risk stagnation, lost opportunities or unbalanced risk — even if you have good intentions.
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How Lucent Builds Investment Portfolios That Work
We don’t manage investments in a vacuum. Instead, we build tailored, holistic portfolios, part of a broader financial strategy designed around you.
- Custom Portfolio Strategy — aligned with your life goals, time horizon, income needs and risk appetite.
- Balanced Growth & Risk Management — a diversified approach protecting downside while growing long-term value.
- Tax-Efficient Structuring — using ISAs, pensions, tax wrappers and withdrawals that respect your broader tax and retirement plan.
- Integration with Cashflow, Retirement & Estate Planning — so investments support every phase of life.
- Regular Reviews & Adjustments — your situation evolves; so does your portfolio.
- Integrated business & personal portfolio design — surplus cash invested efficiently, balanced against business cycles and exit planning.
- Exit-planning aligned investments — smoothing the transition from business profit to personal wealth, minimising tax leakage.
What this Could Mean for You
- A clear, realistic roadmap showing how your current assets become long-term wealth.
- Confidence that your investments match your tolerance for risk — no sleepless nights.
- Tax-efficient growth and returns that work in tandem with your wider financial plan.
- For business owners: a path to turning business success into personal financial security.
Our Simple 4-Step Investment Process
1. Discover
We begin with your goals, time horizon, risk appetite, and wider financial picture (income, savings, business, family).
2. Design & Model
We build a portfolio and run case-scenarios: what happens if markets fluctuate, how long your investments will support your goals.
3. Implement
We set up or restructure investments, tax wrappers, pensions or holdings — whatever fits your plan.
4. Review & Adapt
Life changes, goals evolve, markets shift. We regularly review your plan and adapt.
Who Benefits Most
Investing can be complex, but Lucent’s tailored approach takes the guesswork out of the process.
Individuals & Families
Who want growth and security — balancing day-to-day needs, long-term goals, retirement, major purchases.
Business Owners & Entrepreneurs
Looking to invest intelligently, build personal wealth, and plan for exits or retirement.
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People with Medium to High Investible Assets
Who want clarity, structure, professional stewardship.
Why People Choose Lucent for Investment Management Advice
- Chartered, independent advisers — no product-pushing, no hidden conflicts.
- Holistic financial planning — investments are never isolated — always part of a bigger picture (retirement, tax, legacy).
- Tailored strategies, not off-the-shelf funds — we design around your life, not generic profiles.
- Transparent, jargon-free communication — so you understand your investments, what they mean, and how they matter.
- Continuous support and review — investments aren’t “set and forget”. We stay with you through market cycles, life changes, and new ambitions.
How Well Do You Understand Your Retirement Plans and Investments?
Are you truly on track for the retirement you want?
In just two minutes, this quick and confidential assessment helps you reflect on your financial readiness and clarity around pensions, investments and long-term goals. Once complete, we can use your responses to personalise advice around your goals and needs.
Gauge your confidence — and uncover what’s missing.
- Free
- Takes 2 minutes
- Get your score instantly
- Secure and confidential
Ready to make your investments work harder for you?
Why settle for average returns when you can have a strategy that works for your unique goals? Contact Lucent today to guide you with an investment management plan tailored to your financial future.
- Do you have investible assets over £500k and want to optimise your portfolio?
- Are you seeking professional advice on building a diversified investment strategy?
- Do you want to align your investments with your long-term financial objectives?
- Are you interested in maximising returns while managing risk effectively?
If you answer yes to the above, get in touch.
FAQs
Investment management is the process of building and managing a portfolio of assets—such as stocks, bonds, and funds—that align with your financial goals and risk tolerance. At Lucent, we integrate investment management into your full financial plan for long-term success.
We build a personalised investment strategy based on your goals, time horizon, and risk tolerance. We also regularly review your portfolio to ensure it stays aligned with your objectives and market conditions.
Investment management is just one part of your overall financial strategy. We ensure that your investments support your retirement, tax planning, and cashflow needs, offering a comprehensive approach to your financial future.
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.