About Us

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

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

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
Concerns Over Insufficient Pension Pots and Retirement Income Shortfalls

Millions risk pension shortfalls. Discover why and how to fix it - boost your savings, avoid mistakes, and secure your future retirement income.

Read More
Securing a Comfortable Retirement Lifestyle

From pensions to purpose - explore how to secure a comfortable retirement lifestyle that reflects your goals, finances, and future dreams.

Read More
Access Our Free Resources
How We Help

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.

By Life Events

Death of a Spouse

Build a plan for your long-term security.

Getting Divorced

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 & Estate Planning

Navigate the complexity of inheritance tax and estate planning.

Investment Management

Advising you on how to grow and protect your wealth.

Tax Planning

Build smart strategies so you can keep more money.

Financial Protection

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.  

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 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

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 Us
Client Portal Login
Client Portal Login
About Us

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

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

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
Concerns Over Insufficient Pension Pots and Retirement Income Shortfalls

Millions risk pension shortfalls. Discover why and how to fix it - boost your savings, avoid mistakes, and secure your future retirement income.

Read More
Securing a Comfortable Retirement Lifestyle

From pensions to purpose - explore how to secure a comfortable retirement lifestyle that reflects your goals, finances, and future dreams.

Read More
Access Our Free Resources
How We Help

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.

By Life Events

Death of a Spouse

Build a plan for your long-term security.

Getting Divorced

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 & Estate Planning

Navigate the complexity of inheritance tax and estate planning.

Investment Management

Advising you on how to grow and protect your wealth.

Tax Planning

Build smart strategies so you can keep more money.

Financial Protection

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.  

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 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

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 Us
Client Portal Login
Client Portal Login
Senior Client Services Manager

Karen McKim

Career Summary

With a background in marketing and communications, I’ve worked in a range of companies, from a small advertising agency to a global agricultural machinery manufacturer.

I joined Lucent as I wanted a more rewarding role, where I could help have a direct impact on people’s lives.

My Role at Lucent

As a Client Services Manager, my role covers a wide range of activities, from supporting our lovely clients and advisers, and ensuring a smooth and enjoyable client journey, to keeping our back-office systems and data up-to-date and accurate.

I work closely with each member of the team to ensure we can each focus on what we do best, so as a whole we can deliver the best outcomes for each individual client.

Why I Love Working at Lucent

There’s so much to love! It’s brilliant getting to know each of our individual clients, who are all such lovely people, and being part of their journey to financial independence and happiness is immensely rewarding.

Working on a variety of tasks and cases, no two days are the same, and the whole team here is fantastic, both professionally and personally. We use the word family a lot, but it really does have that feel, from behind the scenes, to client meetings and events, we take a serious subject and always try to make it fun!

Why I'm Passionate About Financial Planning

Financial planning can bring about real change and peace of mind for our clients’ lives, allowing them to concentrate on enjoying life and pursuing their dreams, without worrying about money.

Likes

  1. My family has to be number one! I like nothing better than time spent with my gorgeous girls.
  2. Silliness – life’s too short to be serious all the time (although obviously we take our clients’ finances very seriously!)
  3. Muddy obstacle courses – there’s something about finishing a race filthy, bruised and battered that really gives a sense of achievement!

Dislikes

  1. Raw onions – the taste (and smell) hangs around way too long.
  2. Rudeness – there’s just no need! You never know what anyone else is going through, so just be kind.
  3. Traffic jams – especially when you need the loo, argh! I’m lucky to avoid rush hour and walk to work every day.

Contact

Office:
0121 705 1000
Mobile:
Email:
karen@lucentfinancialplanning.co.uk
Expert Insights

Articles by 

Karen McKim

Read my articles on various financial planning topics.

No items found.
View All
Join our newsletter

Sign up to our regular newsletter for ideas, tips and more to help you get a grip of your finances.

 Sign up for our Newsletter
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
About Us
Our ExpertsOur PricingClient StoriesFinancial Planning PhilosophyInvestment PhilosophyCareers - Join UsOur Awards
How We Help
Financial Planning for Individuals & FamiliesFinancial Planning for Business OwnersFinancial WellnessPlanning by Life StagePlanning for Life EventsLucent Community
Our Expertise
Retirement Planning & PensionsInheritance Tax & Estate PlanningInvestment ManagementTax PlanningFinancial ProtectionCashflow Modelling
Resources
Client PortalA-Z GlossaryBlogsEventsGuidesPodcastVideos
Contact Us
© 2025 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 Financial Services Register https://register.fca.org.uk/ under reference 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, Business Planning, Will Writing, Taxation and Trust Advice.

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.

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, B91 3AB 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 on request. 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

A Monthly Update from Lucent

Enter your details to receive our monthly newsletter focusing on better investor behaviour, and keep track of our latest news and events.