0121 347 6924
Based in Solihull
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: November, 2018
4.9 out of 5
Checks carried out by VouchedFor
FCA Regulated
Steven and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 29 March 2025
Steven and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
40
Recent Client Reviews
Steven has received 40 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Steven has received 40 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 30 November 2024
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
1
Qualifications Uploaded
Steven has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
1 qualification certificate available to view
Steven has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Steven has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Steven has provided information on their typical fees
Steven has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
7
Positive First Impressions
86% of VouchedFor users have had a positive (4 or 5 star) first experience with Steven (based on 7 first impressions)
86% of users who are not yet clients had a positive first experience with Steven
86% of VouchedFor users have had a positive (4 or 5 star) first experience with Steven (based on 7 first impressions)
Checks carried out by VouchedFor
FCA Regulated
Steven and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
Last checked: 29 March 2025
Steven and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
40
Recent Client Reviews
Steven has received 40 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Steven has received 40 client reviews in the past 12 months; 100% of these have been verified
Independent Financial Adviser
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
Last checked: 30 November 2024
An independent adviser can advise across a sufficiently diverse range of products to help meet a client’s objectives. They are in no way limited to products provided by companies they work for.
1
Qualifications Uploaded
Steven has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
1 qualification certificate available to view
Steven has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
Transparent Fees
Steven has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Steven has provided information on their typical fees
Steven has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
7
Positive First Impressions
86% of VouchedFor users have had a positive (4 or 5 star) first experience with Steven (based on 7 first impressions)
86% of users who are not yet clients had a positive first experience with Steven
86% of VouchedFor users have had a positive (4 or 5 star) first experience with Steven (based on 7 first impressions)
Steve is a chartered financial planner and fellow of the Personal Finance Society. He holds the Advanced Diploma in Financial Planning and certificates in Equity Release, Life & Pensions and Trusts & Estates Planning. Steve set up Lucent in 2009 after a six-year career at a large financial services company as an adviser. He says: “I didn’t like the way large corporations did things and I knew I could do better for the people I was advising. I realised then I wanted to be independent, to work for the individual, not the corporation. I set up Lucent to help people truly understand their wealth and use it to maximise their enjoyment and lifestyle. Although the technical aspects can be less-than-riveting, good financial planning is at the forefront of living a less stressful and ultimately more fulfilling life. I believe life is for living and money is for spending, not for accumulating. You have to live life now because you never know what’s around the corner. But you also have to be sure that you’ve got enough for tomorrow. You only know that if you plan.”
Offers available through VouchedFor
Contact Steven through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Steven's clients
Based on responses provided by clients who have reviewed this adviser
Clients' level of financial expertise
Household income
Mortgage value
Savings
Clients' level of financial expertise
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