0121 347 6924
Based in Solihull
View locationTop Rated 2026
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedbackVerified 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 AuthorityLast checked: 29 August 2026
Steven and/or the firm they work for (or are appointed representatives of) is regulated as appropriate by the Financial Conduct Authority
13
Recent Client Reviews
Steven has received 13 client reviews in the past 12 months; 100% of these have been verifiedVerified reviews: 100%
Steven has received 13 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: 29 May 2026
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 below1 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 belowSteven 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
8
Positive First Impressions
88% of VouchedFor users have had a positive (4 or 5 star) first experience with Steven (based on 8 first impressions)88% of users who are not yet clients had a positive first experience with Steven
88% of VouchedFor users have had a positive (4 or 5 star) first experience with Steven (based on 8 first impressions)
About
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.”