Lucent Financial Planning Ltd

Independent Financial Adviser  Lucent Financial Planning, Solihull, West midlands, B91 3AB
First meeting at adviser's own cost
We help you live the life you want. Our straightforward, expert guidance will help you reach your financial potential. We offer appointments both face to face and remotely via webex, skype, teams and telephone to be as flexible as possible for you!
We can advise you on
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Annuity purchase
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Auto enrolment
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Pension consolidation
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Pension drawdown
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Pensions & divorce
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Pensions & retirement planning
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Pensions review
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Pensions transfer
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SIPPs
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Stakeholder
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Buy my next home
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Equity release
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Wealth management
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Ethical investments
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ISA / Unit Trusts / OEICs
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Investing for income
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Investment trusts
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OEICs
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Socially responsible investments
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Lump sum
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Regular savings
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Critical illness
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Income protection insurance
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Life insurance
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Capital gains tax
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Estate planning
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Income tax
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Employee benefits
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Group Pension/Stakeholder
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Group Protection/Life Insurance
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Sharia finance
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Long term care
Response rating
10/10
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FCA authorised
Last authorised 3rd August 2020
Meet our advisers
Steven Rowe CHARTERED FINANCIAL PLANNER
Director & IFA

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This examination assesses the candidate to develop in depth financial planning skills related to business.

To achieve the Fellowship grade, individuals would be required to have 10 AFPC (Diploma) units or equivalent. This shows a commitment to continuous professional development.

At the end of this unit, candidates should be able to demonstrate an understanding of: the main legal forms of business and how they are set up and managed; the consequences of bankruptcy or insolvency; business accounts and financial controls; the taxation of each type of business entity, its owners and employees; the main legal responsibilities businesses have to employees, suppliers and customers.

Having achieved the APFS designation, advisers can go onto to achieve this recognisable benchmark of quality and ethical practice for financial services professionals, elevating financial planning and advice in the public eye to the same standing as other Chartered professions. The holder must demonstrate a combination of experience, financial qualifications, ongoing educational activity (continuous professional development) and ethical behaviour.

This examination assesses the candidate to develop in depth financial planning skills related to personal and corporate pensions.

This examination assessed a knowledge and understanding of the UK tax system, the law and practice of trusts, but also an ability to advise individual clients on the tax treatment of their investments and the use of trusts to meet their current and foreseeable future needs.

At the end of this unit, candidates should be able to demonstrate an understanding of: the supervisors role in a regulated organisation; recruitment, training, attaining competence, maintaining competence and supervising competence; management information and performance standards; Financial Services Authority rules and guidelines in respect of competence and supervision; the legal and regulatory aspects of employment and supervision.

This examination assesses an understanding of group risks, including the operations of such schemes and their features and taxation.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, lifetime mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses a knowledge and understanding of the legislative and regulatory position of home reversion plans and their place in the advice process.

At the end of this unit, candidates should be able to demonstrate an understanding of the: process of decumulating pension funds and the main issues for clients and advisers; main choices facing members of pensions schemes during decumulation; features, risks and tax treatment of the secured pension option; features, risks and tax treatment of the unsecured pension option; features, risks and tax treatment of phased retirement; features, risks and tax treatment of the alternatively secured pension option.

At the end of this unit, candidates should be able to demonstrate an understanding of the: main tax and legal frameworks that govern the accumulation phase of building up retirement benefits under registered pension schemes; features of defined contribution and defined benefit pensions; choices faced by early leavers and use of transfer value analysis; State retirement benefits available, including the risks and suitability of contracting out of the State Second Pension.

This examination assesses a knowledge and understanding of investment products and the risks involved.

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, long term care insurance products and the giving of long term care insurance advice.

Accreditations
Chartered Financial Planner
Kelly Xue
Independant Financial Adviser & Financial Planner

This qualification assesses a knowledge and understanding of investment products and the application of the investment advice process.

This qualification assesses a knowledge and understanding of the UK taxation system, and the ability to analyse the taxation treatment of individuals and trusts during the investment advice process.

This qualification helps advisers develop and demonstrate their financial planning capabilities. 

This qualification assesses a knowledge and understanding of the financial services industry, including regulation, legislation and the Code of Ethics.

To achieve DipPFS individuals must achieve 140 credits. At least 80 credits must be at Diploma or AFPC level.

This qualification assesses a knowledge and understanding of an ability to analyse pension and retirement planning issues.

This examination assesses the candidate to develop an understanding of the financial planning process when giving advice to clients.

This examination assesses the candidate to develop in depth financial planning skills related to personal tax and trusts.

This exam accesses understanding of the financial services industry including regulation and legislation.

This qualification accesses the specialist knowledge and skills needed for advising on the transfer of safeguarded benefits

This qualification accesses the advanced skills needed for advising on income planning to those in and approaching retirement

Accreditations
Certified Financial Planner
What our clients say
I thought I had a fairly complicated financial situation which I was struggling to keep up to date with. Steve not only simplified this for me but also allowed me to understand exactly what certain investments and pensions were doing for me. He 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. Steve is friendly and approachable; I have often called him at strange times and he has always been able to help straight away. I would recommend anyone considering using a financial adviser to meet with Steve.
John, From Solihull
We booked to see Steven Rowe to get a second opinion on our pension situation. From the moment we met him it was clear his approach was different. Steve combines an extremely personable and relaxed style with professionalism. We were at ease with him almost as soon as we met him. He spoke with clarity using terminology and language we could understand easily. He provided clear options and professional intelligent views on our situation. He listened to our worries and concerns about our pension pot and it was clear how he understood and appreciated our risk profile bringing it into play when providing solutions. We liked the products he was offering. They made sense to us and removed the worry of being in the right sectors at the right time. We were reassured by his clear explanation of how they worked. Whenever he felt we were struggling to understand something he would immediately draw simple diagrams for us or find other ways to physically illustrate the points he was making. Soon after we made our key pension decision we got, what I can only describe as cold feet and reached a moment of panic. We asked to see Steve and he made time to see us straight away. He sat us down and went through the information again. Using a teapot, water and some office mugs he illustrated our pension situation clearly and we left completely reassured about our decision. A moment to be remembered!
Pat, Solihull
I would like to provide a testimony on the service that you have provided to us. 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. You have been very accommodating and flexible with meeting times, you have provided a professional service and was able to resolve a long running issue with an insurance company, the outcome being financially favourable to me. Again, thankyou for your support.
Stuart, Solihull
We have used Lucent for several years and found them outstanding advisors. Having had several negative experiences in the past, we were very wary about dealing with a Retirement Advisor. However, Steve Rowe from Lucent is an outstanding example of how a brilliant advisor can turn around even the most sceptical client. Steve always provides a concise and accurate overview of the market. We particularly liked that he was able to provide such a knowledgeable, balanced approach to investments. He is exceptionally capable and we are always confident that he will carry through all our instructions, starting direct debits and organising fund movements exactly as we have discussed. We have great confidence in him and are exceptionally happy with Steve and Lucent Financial. In essence, he has turned around our very negative views and made us appreciate the value of a good financial planner.
Andrew, Barnt Green
As a seasoned investor, I had always made my own decisions regarding where and when to invest my money. However, when it came to investing my substantial pension fund I felt that I needed to bring on board some professional expertise to ensure that it was protected whilst still allowing it to grow until I took my annuity. Steven Rowe helped me to understand what options were available to me and helped me to finalise my investment portfolio strategy. I now have a balanced portfolio consisting of several investments ranging from safe options offering guaranteed modest growth right through to higher risk investments that could yield much higher returns over the next few years. His help in achieving this outcome has been invaluable and I would recommend anyone who has a large sum of money to invest to seek his advice before making any final decisions.
Steve, Halesowen
Kelly was so thorough in their knowledge I felt in safe hands from the moment I met her. My investments are now in their rightful places and my complex situation has been dealt with perfectly. Thank you!
Laura Thomas, Warwickshire
Kelly has been extremely professional throughout the whole process of sorting out my future financial planning and Pension. She has been able to explain complex financial matters to me in a way I have fully understood. Kelly is a cheerful person, who is extremely approachable but also very knowledgeable on all financial matters. I trust Kelly’s advice and I trust Lucent Financial Planning to handle my financial affairs
Charlotte, Solihull
About us

We are a Chartered Financial Planning firm, specialising in Wealth management, Retirement planning, Tax planning and ensuring you ultimately 'live the life you want!'

Being chartered is widely accepted as the gold standard for financial planning in the UK, and this means we’re amongst the most experienced advisers with the highest qualifications obtainable.

We are conveniently located in new offices in Solihull town centre - ideal for anyone living in Solihull and the surrounding areas.

We are truly independent and will only act with your best interests at heart. We promise to focus on your vision, not just the numbers.

We pride ourselves in being down to earth, friendly and approachable.

Our services

We’re experts at helping you plan every stage of your financial future, from investments and savings to life insurance and retirement.

We ensure you maximise full financial planning including tax planning, optimising benefits for individuals and business owners where relevant.

We will support you and guide you through every stage of the process and are at the end of the phone whenever you need to talk.

Our first meeting is completely free of charge and once we’ve developed your in-depth LifePlan, we offer a satisfaction guarantee, so you won’t pay a penny for this if you’re not happy.

Where to find us
Head office address: Lucent Financial Planning, 1b The Exchange, 20a Poplar Road, West Midlands, Solihull, B91 3AB
Preferred clients
Minimum wealth (income/assets)
£100,000
Minimum pension value
£100,000
Minimum mortgage value
£0
Advice methods
  • phoneButton
    Telephone
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    Online (Live chat, video, email)
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    Face to face
Response rating
10/10
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FCA authorised
Last authorised 3rd August 2020

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