Reviewed for

Insurance and Protection ( 19 )

Mortgages ( 10 )

Pensions ( 168 )

Equity Release ( 5 )

Retirement income (annuities, drawdown) ( 110 )

Auto Enrolment ( 3 )

Investments and Savings ( 142 )

Pension Transfers - Non Specialist ( 51 )

Inheritance Planning ( 48 )

Long Term Care ( 9 )

Pension Transfers - Specialist ( 46 )

Financial Planning ( 63 )

Financial Mentoring ( 14 )

Financial Coaching ( 10 )

Reviewers' assets

£500k+ ( 67 )

£200k - £500k ( 24 )

£100k - £200k ( 9 )

( 2 )

Up to £50k ( 3 )

£50k - 100k ( 6 )

Client reviews

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Savings and Pension advice

How has Steven Rowe helped you?

With Steve's help and support, I have been able to move home and now have a pension fund sufficient for me to retire whilst I am young enough to enjoy it.

Have you seen the outcome you were hoping for?

Absolutely. I credit Steve for making me financially secure.

What could they have done better?

Nothing at all

Steven's reply

Els! I credit you for being the best business buddy ever! Through thick and thin (I'm thick, you're thin) you've always been a great support. Love you x

Review from verified client

March, 2024

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I wanted to make sure i was doing all that i can to plan for my future

How has Steven Rowe helped you?

Steve has given me very helpful and honest advice about what is the best way to invest and also control spending

Have you seen the outcome you were hoping for?

I'll tell you in 10 years! ;-)

Steven's reply

Ed, it’s great fun working with you and nice watching you build a family and business! Good work lad.

Review from verified client

February, 2024

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Following the death of my partner, i needed advice for Financial and Inheritance Planning

How has Steven Rowe helped you?

Steve has explained options and investments as well as exploring future income requirements and planning for my financial future

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Steven's reply

Sue! It was a great surprise seeing you with your friend last week when another client had referred them to us! You little tinker! It made me chuckle. It’s great finding out more about you and your escapades and am grateful and happy to work with you

Review from verified client

January, 2024

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Lucent had been a financial planning organisation I had been looking at for some time, but up until 2021 my financial situation was simpler and did not require scrutiny to the same extent. Following acquisition of my previous company and an initial tranche of funds, it seemed the right time to discuss my situation.

How has Steven Rowe helped you?

Steve was good at explaining the purposes of stocks and shares and the historic gains over the last 100 years which put into perspective the investment cycle one should consider when planning for retirement. This was particularly useful for my wife who was not as confident in financial matters, and helped convince us both to use Lucent.

Have you seen the outcome you were hoping for?

Net growth is above expectations, plus I know I am a short phone call away from guidance and support if required, The process has been relatively simple and the associated access to Fundment has ensured I have easy access to my funds and can see gains/losses easily.

What could they have done better?

Nothing at this stage. It's been around 8 months and I have no complaints.

Steven's reply

Steve, thanks for the great review. It's lovely to see / hear how we help people and I think that with you, it is just the start. There is so much more you and we can do together.

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Kent

What were the circumstances that caused you to initially look for an adviser?

Change of circumstances - new job, requiring sale of house and need to invest the proceeds of the sale.

How has Steven Rowe helped you?

Steve has educated me on pensions and investments, identifying possible options for my finances. Steve always considers my whole context including lifestyle and wellbeing when making decisions.

Have you seen the outcome you were hoping for?

Yes - I feel I can fully trust Steve to look at my financial planning with both my short and long term interests as a priority. I appreciate his down to earth approach and encouragement for me to prioritise my own needs.

What could they have done better?

N/A

Review from verified client

December, 2023

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Transferring out of company pension

How has Steven Rowe helped you?

All aspects of setting up and managing my pension fund

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing spirits mind

Steven's reply

Thanks for the nice review Terry. It’s super helpful to us and I hope we have been to you.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for an adviser?

After starting my own business it was important to me to have the right advice from the beginning.

How has Steven Rowe helped you?

Steven has been incredibly helpful and has given advice for things I hadn’t thought of yet! After getting to understand my business and situation I quickly received very helpful advice.

Have you seen the outcome you were hoping for?

Absolutely.

What could they have done better?

Nothing it has been very professional and prompt.

Steven's reply

Thanks for such a lovely review Emily. Not many steps left for you to be fully in control of your own destiny and you can make things a great success!

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

I was approaching my 60th birthday and had a number of pension schemes one of which was a staff scheme that would mature when I reached 60. I needed advice in connection with this and my other pension schemes.

How has Steven Rowe helped you?

Steven carried out a detailed review of my pension schemes and recommended transferring the savings into a single scheme. He undertook all the necessary work to achieve this and to transfer to another pension provider when it was advantageous to do so.

Have you seen the outcome you were hoping for?

Yes, except in 2022 when there was a dip in the value of the scheme because of global circumstances which had an adverse effect on pension schemes across the board.

What could they have done better?

I am not aware of anything Steve could have done better.

Steven's reply

Hi Nick, it’s been great helping you and Rachel over the past few years. From retirement to moving home and now to a narrow boat!! Plenty of more adventures to come when Rachel retires soon.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Increased Director income and need for an informed plan

How has Steven Rowe helped you?

Giving good long term and consistent guidance

Have you seen the outcome you were hoping for?

Work in progress, not judging short term outputs

What could they have done better?

Probably not, the plan seemed right, the world was a dynamic place

Steven's reply

Michael! Thanks for leaving the review with multiple stars! It’s been great helping you over the past few years and now you are nearly in control of your business the real work starts! Looking forward to it.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in Leicestershire

What were the circumstances that caused you to initially look for an adviser?

Looking forward to retirement planning

How has Steven Rowe helped you?

He has laid out a series of investment proposals and projections on retirement income- but also and most importantly started us thinking about what we would want to do in retirement

Have you seen the outcome you were hoping for?

Yed

Steven's reply

Hey Alex. Thanks for the kind review. We are just revving up for the run on now. The new year meetings are going to be fun and give you full confidence in what lies ahead.

Review from verified client

November, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Retired and received a lump sum

How has Steven Rowe helped you?

Complete financial management and advice of portfolio

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing to my knowledge

Steven's reply

Thanks Ian! It's been great working with you over the past 5-6 years and although you have had some ups and downs, I think things are looking good. Coming to see you, catching rabbits and looking at your fish are always some of my best days. Thanks Ian, Steve

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for an adviser?

I have always relied on an advisor to guide me in my savings and investments.

How has Steven Rowe helped you?

He has consolidated my investments on one platform and introduced me to and implemented for me a rational investment strategy appropriate to my life situation and risk appetite.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

There are some areas of taxation where advice has not been accurate but Steve makes no pretence of having a full knowledge of all areas of taxation law.

Review from verified client

October, 2023

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for an adviser?

Needed someone I could trust to sort out my investments

How has Steven Rowe helped you?

Absolutely. Steve us always very open and down to earth using language that I can understand and offering excellent advice

Have you seen the outcome you were hoping for?

Yes

Steven's reply

Thanks Ed! It was nice hearing the story about what happened when you went upstairs the first time we discussed your finances! Also, when the time comes, I’ll get my big trousers on and make sure you’re spread over Graceland!

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Different pensions in different pots

How has Steven Rowe helped you?

Excellent advice explained in lay man’s terms

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I can think of

Steven's reply

Peter, we have the best meetings! Rapid fire conversation with subjects ranging from benefits of coffee and ice cream diets (evidence unverified!) to how to avoid chub rub and of course money, tax and alike. I love ‘em!

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

After setting up our own company after many years with a large Corporate company we needed help with an honest assessment of our pension and financial situation

How has Steven Rowe helped you?

Steve has enabled us to get a comprehensive overview of where we are financially and has given us lots of invaluable advice on how to maximise our financial situation.

Have you seen the outcome you were hoping for?

We have been really pleased with everything Steve has done for us.

What could they have done better?

None

Steven's reply

Laura! It’s been great watching you fly from corporate-ism to your own venture which you have done terrifically well at in such a short space of time. I’m super proud of you! Thanks for your kind review and I am looking forward to the rest of the plan coming to fruition.

Review from verified client

September, 2023

Overall

Advice

Service

Value

Based in Leicestershire

What were the circumstances that caused you to initially look for an adviser?

Pension fund's.

How has Steven Rowe helped you?

Great job

Have you seen the outcome you were hoping for?

Yes thanks

Steven's reply

Thanks Jon, for your kind review. It’s great working with you and I am looking forward to seeing you up and about again - you can do it mate! Keep going.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

I initially approached Steve in 2016 to plan for an early retirement/moving home.

How has Steven Rowe helped you?

Steve provided guidance as to the best way to achieve our long term goals. We set up the necessary investment products.

Have you seen the outcome you were hoping for?

We have this year moved to our new home and retired as planned.

What could they have done better?

No improvements necessary. We achieved what we set out to achieve and it all happened in line with our desired timescales.

Steven's reply

John, it's been great to witness the results of our work together over the past 5 years in your new home for retirement, all at the age of 50! although, you're 51 this week and should just get over our ageing ;-) , It's been a great example of how good investment planning and great budgeting worked together to get you where you wanted to be! Thanks for taking me on the long walk too... legs recovered now!

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in Berkshire

What were the circumstances that caused you to initially look for an adviser?

I needed guidance and someone who I could trust to prepare me for financial planning as I approached my 50s with a desire to give up full-time work by 60.

How has Steven Rowe helped you?

By giving me the confidence to stop full-time work at 56. I know work part-time for a children's charity.

Have you seen the outcome you were hoping for?

Absolutely - Steve has become a friend as well as a trusted Advisor

What could they have done better?

Nothing - my wife and I are entirely satisfied with the service and advice we have received.

Steven's reply

Ben! Thanks for the lovely review and for being such a lovely fella. You helped us loads and we are truly appreciative and it’s nice to know someone that knows more about helicopters than me ?. It’s been great helping you and I hope it’s changed your life for the better (a little bit!) - 5 years now - blimey.

Review from verified client

August, 2023

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Planning for retirement

How has Steven Rowe helped you?

Steve has provided a great deal of advice regarding tax efficient retirement planning

Have you seen the outcome you were hoping for?

I haven't retired yet, but everything is on track

What could they have done better?

Nothing - very happy with everything

Steven's reply

Charles, you are a man of positive thoughts but few written words! Thanks for the great laughs in our meetings and discussions about savoury goodness and beer!

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with Steven

You know it's hard to trust someone with your future financial planning and pensions, but Steve is a little different. Not only is his level of finacial understanding outstanding, but his forethought and guidance to how it fits with you and your families future that make the difference. I have been working with Steve for quite a few years now, I am more relaxed than ever about knowing the family and I have a secure and practical plan for the future. It also provides for quality of life when I get to retirement. Peace of mind, most certainly.

First impression from a user who is not yet a client

August, 2023

Overall

Please provide a brief comment about your experience with Steven

Steve is so knowledgeable and enthusiastic about anything to do with finance. He even makes it seem interesting! As novice investors a few years ago we were very apprehensive but he immediately put us at ease with his friendly manner.

Review from verified client

July, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Being a company director and owning a growing business meant taking accountability for long term financial planning to ensure stability both now and into the future for myself and my family.

How has Steven Rowe helped you?

I cannot say enough about how much Steve has helped us. He understands us, our priorities and whats important. He has helped us to plan and to realise our financial future, in terms we understand. He has transformed our financial planning and given us the confidence to invest.

Have you seen the outcome you were hoping for?

Yes - and we hope to do so many years into the future with Lucent. Steve is helping us in so many ways - Lucent, and Steve, are so much more than financial advisors. I cannot imagine planning for our future without them!

What could they have done better?

Nothing!

Steven's reply

Jen, you are so lovely! Thanks for all the nice words. We have the best meetings, which are always fun and informative whilst also getting down to the hard emotional thinking, but with a smile. You’ve been super resilient this year and you are still standing strong! You’re a great person and deserve all the good things that are coming to you. Steve x

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in North Yorkshire

What were the circumstances that caused you to initially look for an adviser?

Pension planning

How has Steven Rowe helped you?

Setting me up for a financially secure retirement.

Have you seen the outcome you were hoping for?

Yes, my financial position in retirement is better than I had hoped.

What could they have done better?

Nothing

Steven's reply

Angus, it's great working with you, I love your relaxed attitude and you have been eager to let us get on with it and as such, things are working out well! You are also leaning into the spending of more money too, which also pleases me that you are getting a good feeling from helping family. This is what life is all about! Perhaps get a decent lawnmower now? Steve

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Derbyshire

What were the circumstances that caused you to initially look for an adviser?

Needed advise about pension investments

How has Steven Rowe helped you?

.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

.

Review from verified client

June, 2023

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for an adviser?

To sort my pension arrangements

How has Steven Rowe helped you?

Technical knowledge, support, ideas and dealing with some of the pension administration

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing springs to mind

Steven's reply

Thanks Ian, it's great helping you and I love hearing about what you get up to as we have so many shared interests. Your life has really slotted in to place in the last 12 months (it feels to me), which is always nice to hear.

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Heading towards retirement we wanted some advise on pensions, investments and savings

How has Steven Rowe helped you?

He has clearly shown us that we have enough money to retire on and has advised us where to put it for a good return

Have you seen the outcome you were hoping for?

Yes considering the financial markets and chaos over the last 3 years

What could they have done better?

Obviously made more money for us!!

Steven's reply

Mark, it's been great helping you and Janice over the past few years and watching your ability to make lemon drizzle cakes sky rocket! Thanks for the last one, by the way ;-)

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I had a sum I needed to invest and didn’t know where to start

How has Steven Rowe helped you?

Long term financial planning

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Na

Steven's reply

Hey John, Thanks for the kind review and also sympathetic words when I bumped into you at the football!

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Wanted to retire early

How has Steven Rowe helped you?

pensions, wills trusts and powers of attorney

Have you seen the outcome you were hoping for?

yes

What could they have done better?

othing

Steven's reply

Les, your enthusiasm and excitement about retirement has been great and I am glad you’re enjoying yourself! It’s great working with you and Julie. We love it! Thanks also for the leadership tips ?

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Derbyshire

What were the circumstances that caused you to initially look for an adviser?

Pension transfer

How has Steven Rowe helped you?

He’s managed my pension for the last four years.

Have you seen the outcome you were hoping for?

Yes with all the problems we’ve had in the world in the last few years I’m more than happy with the outcome.

What could they have done better?

Nothing or I would asked them to do it.

Steven's reply

Thanks Alan, that’s very kind, you’re a top fella. I really admire what you do for everyone, it’s a good lesson for us all!

Review from verified client

May, 2023

Overall

Advice

Service

Value

Based in Worcestershire

What were the circumstances that caused you to initially look for an adviser?

requiring honest and reliable financial advice to plan for mine and my families future

How has Steven Rowe helped you?

Steve has brought a kaleidoscope of opportunities to us over the last few years and is unendingly patient explaining these helping us to have confidence in planning for our future

Have you seen the outcome you were hoping for?

we are still buying bricks but looking good so far!

What could they have done better?

Nothing

Steven's reply

Andy, it’s been great helping you over the years. We have helped you move from cynical investor to a bit less cynical investor! But one that is able to do so with more confidence and less fear. Thanks for all your support over the years. You have also helped us grow and been great support in our chats. Thank you

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

To seek help with my pension options

How has Steven Rowe helped you?

Steve gives clear common sense advice completely tailored to your person needs. He is personable and very easy to talk too. Everything is explained simply in a straightforward manner and all the questions you have are answered clearly

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Currently nothing! We continue to be delighted my our choice of Financial Advisor and his team.

Steven's reply

Thanks for your kind review, Pat! And, may I say your constantly positive words of encouragement and advocacy throughout the year. It is very much appreciated. And to think, you nearly didn't come to our second meeting! I am so glad I harangued you into coming along and I think you are too!

Review from verified client

April, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

At the time I wanted to transfer my pension pot so my Family and I could have flexibility and have quality time with the money when we needed it

How has Steven Rowe helped you?

Steve was very clear of explaining and understood my situation and helped taking pressure off my monthly income when an illness affects your life and family

Have you seen the outcome you were hoping for?

After my husband passed away the support and kindness was there of Steve and team. Again Steve went through things and we changed what needed to be done and I feel safe with them looking after me.

What could they have done better?

Nothing Steve snd team are very good at their jobs and lovely friendly people.

Steven's reply

Thanks for your kind words, Kay. You’ve had tough times and it’s been awful watching you go through it. But have been happy to be able to offer some small help in some ways.

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I needed advice on my pension options.

How has Steven Rowe helped you?

Steve provided a fully comprehensive review with financial planning scenario's

Have you seen the outcome you were hoping for?

So far, so good!

Steven's reply

Thanks Ed, for your review and faith over the years. Also, support for my blogging ability! It’s been great watching you relax into life and also money management and long may it continue. Thanks again, see you at the pub social!

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

A desire to retire early and secure some financial advice and planning.

How has Steven Rowe helped you?

Steve has facilitated our early retirement and given us sound financial advice and planning for five plus years. Our plans are on track and our future looks secure. Steve has also made financial planning uncomplicated, fun and easy for us to grasp.

Have you seen the outcome you were hoping for?

Absolutely. I retired seven years early. We’ve been able to pursue our goals and have had time to look after loved ones.

What could they have done better?

Absolutely nothing.

Steven's reply

Phil! I like nothing more than bumping into you in a pub and you shouting 'This man changed my life!' and my friends asking who you were. They should know! I love you Merediths! Thanks for being so awesome at everything. xxx

Review from verified client

March, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

We had reached a point in our lives where we needed to consider the next and most important chapter. Steve was recommended and we aren’t disappointed with the choice.

How has Steven Rowe helped you?

I can honestly say I wish I’d done this years ago! Steve Rowe and his team are great listeners and really look to understand what your personal life circumstances are and adapt their advice around this. Also, this is no ordinary financial planning company, but they offer wrap around services that cover well-being into their service. Genuinely part of their family.

Have you seen the outcome you were hoping for?

Yes, already after only a few months our portfolio has increased by nearly 10%!!

What could they have done better?

Nothing, honestly!

Steven's reply

Hey Amardeep, thanks for the kind review. We promise all of what you put said except 10% returns! You just got lucky there. The good news is you are bang on target for the life you want, probably ahead of schedule! That’s our main goal so super pleased you will achieve it as you deserve it.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in Berkshire

What were the circumstances that caused you to initially look for an adviser?

Nearing retirement

How has Steven Rowe helped you?

Yes - Steve has given us great support and advice over the past few years. He has helped us sort out our long term finances and given us comfort and understanding as move into retirement

Have you seen the outcome you were hoping for?

Yes - now feel far more relaxed and comfortable with our financial situation.

What could they have done better?

Nothing

Steven's reply

Nigel, it’s great hanging up with Keren and watching your squirm! But it’s all for the greater good and we just want you to enjoy yourself. Thanks for the kind review, it’s nice for us you feel that way.

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

We were looking for some financial advice to plan more effectively for our retirement. Friends of ours suggested that we contact Steven as they had been really happy with the advice that he had given them.

How has Steven Rowe helped you?

Steven has helped us to plan more effectively for our retirement meeting with us regularly to check our progress against our spending plans. He is a thoroughly nice man with a great sense of humour which he uses to explain the rationale for any advice that he offers - he is the Jonathan Van-Tam of the finance sector.

Have you seen the outcome you were hoping for?

Yes we have we are very pleased with the advice that we have received from Steven and feel confident about our financial future.

What could they have done better?

I don’t think the service that Steve provides could be improved

Steven's reply

Trevor! There’s nothing I like more than sitting down with you two over your always great coffee and putting my the world to rights. You’re in a great position and you will have a lovely time. Thank you for the great work you do too!

Review from verified client

February, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I am nearing retirement, and was looking for advice on how to make the most of my pension savings.

How has Steven Rowe helped you?

Steve has provided clear scenario modelling, and given me confidence that the options that I have will provide a secure future.

Have you seen the outcome you were hoping for?

Yes - very happy!

Steven's reply

Bruce, you were working in recycling at a supermarket car park, when I met you, And it’s been great. Thanks for the Hadrians Wall walking tips and good luck when you eventually retire… let’s not start 2024 working? Keep up the 3 miles a day to make the thousand.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

consolidation of my work pensions

How has Steven Rowe helped you?

very knowledgeable and friendly, no nonsense advice.

Have you seen the outcome you were hoping for?

yes. Although he keeps telling me to spend money!

What could they have done better?

nothing

Steven's reply

Thanks for all the great, enjoyable, challenging meetings over the years and for branding me 'Quirky' which I now ask everyone you introduce me to if you've told them that!

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for an adviser?

Long standing partnership

How has Steven Rowe helped you?

With knowledge

Have you seen the outcome you were hoping for?

Short term yes.

Steven's reply

Russ, It's been great trying to grow up with you over the last 11 years... I can't believe we made it! In a glamourous profession of being a pilot, you are the antithesis of it! Anyway, despite not making great progress as grownups, we have the most fun meetings and also you've done great in your savings and investments. You are ahead of where I thought you would be so that's brilliant. I look forward to you flying me somewhere in your private jet! Steve

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

to find a reputable advisor to help me sure the best for my retirement

How has Steven Rowe helped you?

Professional, honest and friendly advise to suit my personal requirements. Steve is always available to give help and advise

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

nothing

Steven's reply

Thanks for the great review Paul. It's brilliant working with you even though you let me down with your failed spending plans! But, you're a content bloke and that's the main thing. Happiness is found in that, not in buying stuff, which you know and live by.

Review from verified client

January, 2023

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

At the age of 42 it dawned on me that I had made no plans for my retirement and help was very much needed!

How has Steven Rowe helped you?

Steve has provided a comprehensive plan for my retirement. All of the queries and worries have been resolved.

Have you seen the outcome you were hoping for?

Absolutely - I am now sleeping well at night.

What could they have done better?

Nothing, the whole process has been first class.

Steven's reply

Tim, thanks for joining in on our events and also being an all-around super star since you joined up with us in the summer. You are just the type of person we love to serve! Thanks again.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Wanted to know what to do with our savings

How has Steven Rowe helped you?

He has showed us the best way to invest money

Have you seen the outcome you were hoping for?

Yes we are very pleased

What could they have done better?

As far as we are concerned nothing

Steven's reply

Thanks Ted, it’s been brilliant helping you over the last umpteen years and for your help in constructing our office!

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

It has been a few years since my last review, at my choice, and I was looking for reassurance and advice with the uncertaintly in the markets in the middle of 2022.

How has Steven Rowe helped you?

I dealt with his assistant Luke, and the service was excellent as I expected.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Steven Rowe helped you?

Given me peace of mind and confidence that my finances are being managed with my best interests at heart

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Not that I’m aware of

Steven's reply

Terence! Thanks for being a wonderful client, it's been great helping you over the last 5-6 years and here's to another lot of years into the future!

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

Wanting clarity on how to best plan for the future and make smart decisions now to be in a good place later in life.

How has Steven Rowe helped you?

Provided advice and guidance on the best investments and steps to plan a path for the future.

Have you seen the outcome you were hoping for?

Yes! I feel much more confident with the future and ensuring the best outcome for me and my family.

Steven's reply

Hey Jack, thanks for the nice review. Firstly, it’s great having you as a client as you’re one of only two that are taller than me. Respect! Secondly, it’s great watching you make brilliant decisions and implement the full recommendations every time. This is what will get you where you want to be more quickly. So kudos to you there and thanks for your trust!

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Age

How has Steven Rowe helped you?

Transferring out offering bespoke advice and on tap consultancy

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Can’t criticise them really

Steven's reply

Top man Derek! It’s been great getting you retired and out on the golf course more. It’s working well and all on track, and you’ve done a great job making the right decisions on the way. Thanks for the top review.

Review from verified client

December, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Redundancy and early retirement

How has Steven Rowe helped you?

Helped my wife and I understand the options available to us, implement the agreed course of action, then continue to monitor and amend our position as we have settled in to retirement.

Have you seen the outcome you were hoping for?

Absolutely! Retired and loving it!

What could they have done better?

Difficult to think of anything.

Steven's reply

Thanks for the nice review Andy and saying how Luke’s scores are better than mine! As I said earlier in the week, you’re our best example of a great start to retirement! Also, you’re great participants in our events and we love having you. Now where those habanero sour beers?!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Steve was highly recommended to us and we wanted good advice regarding our future.

How has Steven Rowe helped you?

We now have a plan in place for our retirement, which has given us peace of mind.

Have you seen the outcome you were hoping for?

So far yes we have.

What could they have done better?

No, they have been exceptional.

Steven's reply

Thanks so much for the kind review Suzie, it’s been great helping you and clearing some of the clouds you had ! Sunny days ahead now all that’s done!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Technical and specialist help

How has Steven Rowe helped you?

Steven has simplified complex subjects and provided detailed research for solutions best suited to my needs.

Have you seen the outcome you were hoping for?

I am pleased with progress

What could they have done better?

Nothing that is apparent or obvious

Steven's reply

Hey Nick, thanks for your great review. I have a great time meeting you and working through your finances. But, the fave so far is the new motor! Absolutely brilliant. Take me for a spin!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for an adviser?

Being self employed, I needed advice to invest my company dividends

How has Steven Rowe helped you?

Steve has been very informative and knowledgeable in the area of finance that are of interest to me

Have you seen the outcome you were hoping for?

Absolutely

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Oxfordshire

What were the circumstances that caused you to initially look for an adviser?

Change of circumstances meant it was the right time to talk finances with someone who knew what they were talking about.

How has Steven Rowe helped you?

I chose to transfer out my pension and that has been invested for me. He also gave advice on a mortgage decision earlier this year which I am very happy with, as well as some investment advice and I’ve taken a path that I wouldn’t have done had I been doing stuff on my own.

Have you seen the outcome you were hoping for?

It’s very early days as most of the decisions have happened in the last year, but I’m very happy with the quality of the advice and the service I receive from Lucent more broadly.

What could they have done better?

Nothing comes to mind

Steven's reply

Hi Ian, thanks for the great review. It’s only been a year but it won’t be long until I I have talked you into retiring, setting up a nut butter business in your wood and combo going the with an Apple strudel recipe to make millions more!

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for an adviser?

We have had many financial advisors over the last 35 years, starting when we bought our first house in 1986. We found Steve after recommendation from several friends who have used Steve for several years.

How has Steven Rowe helped you?

Steve has helped with many aspects of the financial organisation of our lives, including looking after our investments and helping get one of our parent's estate in order, providing advice on pensions, wills, inheritance planning and trusts, and helping to facilitate a major move from the Midlands to the coast after we'd lived in the same house for over 30 years. Steve has a great network of friends and associates whom he can call on to help in areas where detailed specialist knowledge is required.

Have you seen the outcome you were hoping for?

To date, yes!

What could they have done better?

Nothing. The service has been excellent.

Steven's reply

Thanks Derick, you are our most adventurous clients and I love hearing your stories of derring do on the high seas! It was lovely visiting your new home, it’s a really interesting and lovely place.

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Worcestershire

What were the circumstances that caused you to initially look for an adviser?

Withdrawal of a pension

How has Steven Rowe helped you?

Withdrawal of a pension

Have you seen the outcome you were hoping for?

Absolutely, so far.

What could they have done better?

Nothing. The service has been excellent so far.

Steven's reply

Hi Sue, Thanks so much for the great review. It's been great helping you over the past few years and watching you grow in confidence with your investments and going on thousands of holidays!! It's also been nice meeting your kids on our walks and at other events. See you soon, Steve

Review from verified client

November, 2022

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for an adviser?

Became a contractor so needed pension advice

How has Steven Rowe helped you?

Steve has help to invest my pension money and help me understand the level of risk I am Comfortable with

Have you seen the outcome you were hoping for?

Yes, my pension fund has grown higher then the market

What could they have done better?

Nothing

Steven's reply

Thanks Gareth. As a 'long termer' with us, it's been nice watching you get old ;-) In fact you never age, do you? Although, I feel we are both ageing mentally together! Anyway, importantly, it's been great seeing you settle on a new island into great new home.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in East Sussex

What were the circumstances that caused you to initially look for an adviser?

Looking to restructure finances from a property investment business.

How has Steven Rowe helped you?

Advise in spreading liabilities, structuring an investment portfolio and guidance in using pensions in a tax efficient way. Much more as well.

Have you seen the outcome you were hoping for?

We've only just started but feel confident.

Steven's reply

Thanks James, it's great you're feeling confident already as it is a lot to take in, but I think you're both doing great! Thanks for asking us to help you and I am sure that once a lot of it is done you will start to feel the simplicity and scope of the plan.

Review from verified client

October, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I had an unexpected lump sum and wanted to make sure I was responsibly dealing with it

How has Steven Rowe helped you?

Stable and friendly advice, with a personal interest

Have you seen the outcome you were hoping for?

Partly, in some ways, not seen long term output yet- naturally

What could they have done better?

Difficult to say

Steven's reply

Thanks Michael, it's been great watching you develop over the past few years from employee to business owner and I think that you will be excellent at it going forward! Also, it's nice you got married ;-) Once you have the flexibility and power within your business, you will feel the full power of our advice and the value for money score will go from 3 to 5!

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Lack of a coherent plan for my families long term future.

How has Steven Rowe helped you?

Made the complicated simple, and made me appreciate the importance of long term planning.

Have you seen the outcome you were hoping for?

In a word yes and more!

What could they have done better?

Nothing!

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in West Yorkshire

What were the circumstances that caused you to initially look for an adviser?

We wanted to consolidate several pensions that we had, and to get a good sense of how our retirement may look.

How has Steven Rowe helped you?

Brilliant friendly and helpful advice

Have you seen the outcome you were hoping for?

We now have a coherent plan and ongoing dupport

What could they have done better?

Nothing

Review from verified client

September, 2022

Overall

Advice

Service

Value

Based in Nottinghamshire

What were the circumstances that caused you to initially look for an adviser?

The need for robust unbiased advice.

How has Steven Rowe helped you?

He combined a number of old pensions into a single fund, and ongoing advice on how the fund should be managed.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Steven's reply

Thanks Pete, nothing compares to you either ;-)

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Guidance For pensions and planning for retirement

How has Steven Rowe helped you?

Increased my pension via advice and tax efficiency. Also the advice has been tailored and delivered in a manner that is easier to understand - Not just a “one size fits all”. Trust is a key factor and Steve has done what he said he would and is very honest in his approach.

Have you seen the outcome you were hoping for?

To date yes and still going.

What could they have done better?

Nothing to date

Steven's reply

Hi Steve, Thanks for leaving such a kind review! Since we met, it's been great watching your financial and personal situation develop into a beautiful and wondrous thing. Very similar to your good self! I don't think I'll ever be able to expel that slight air of disbelief you have about what I am saying, but you never fail to act so that's the good thing. We have great conversations and look forward to many more. Beer soon? Steve

Review from verified client

August, 2022

Overall

Advice

Service

Value

Based in North Yorkshire

What were the circumstances that caused you to initially look for an adviser?

Pension transfer

How has Steven Rowe helped you?

Provided clear and understandable guidance

Have you seen the outcome you were hoping for?

Yes, I’ve been able to release more funds for the early years of my retirement

What could they have done better?

Nothing

Steven's reply

Hi Angus, Thanks for the kind review, it's been great helping you over the past few years, even though you moved miles away from us in quite quick time I didn't take it personally ;-) I've enjoyed watching you slip into retirement and although you always seemed quite relaxed, you have taken to it superbly! I am looking forward to visiting you in the north, now the house is all renovated and seeing your handywork. Thanks again, Steve

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for an adviser?

Retirement was looming and I needed advise on how to manage my pension income options

How has Steven Rowe helped you?

Establishing the most suitable options making use of final salary pension and investment fund.

Have you seen the outcome you were hoping for?

Early days, but everything looks to on course

What could they have done better?

No

Steven's reply

Thanks Alan, it's been brilliant getting you retired, despite you sticking around longer than you needed to! You're right though, nothing better to do in lockdowns so it was good to keep you occupied. Anyway, now everything is up and running you can get out there and smash life! I hope we are able to continue to help you. Thanks for letting us do so, so far.

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Northamptonshire

What were the circumstances that caused you to initially look for an adviser?

Approaching earlier retirement than planned due to impending redundancy, I looked for a FA to advise me on the slightly different looking future. A close friend suggested Steve who has been my FA since

How has Steven Rowe helped you?

Plotting income and expenditure streams to help me understand the financial environment I am working within.

Have you seen the outcome you were hoping for?

Yes, full understanding of long term plan.

What could they have done better?

Nothing springs to mind

Steven's reply

Thanks Adrian, It's been great working with you over the past 4 years. You are our poster boy for an active and vibrant retirement. I have enjoyed drinking your home brew, hearing stories of your mobile home travels and pushing you both up the aisle for your marriage! ;-) I hope to still be working with you when you are travelling less and get the chickens back! Steve

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Oxfordshire

What were the circumstances that caused you to initially look for an adviser?

What's not to love about Steve?! Thorough, responsive, quality advice and he always makes you feel like his only client.

How has Steven Rowe helped you?

DC Pension investment advice

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I would have liked a quick chat just to double check a couple of things.

Steven's reply

Cath! Aren't you lovely! I am glad I made you feel like our only client but ignored your calls ;-) I know you didn't call but I would happily go through it all with you. Looking forward to meeting up again, perhaps in your new home! Steve

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Following divorce I had money that needed investing

How has Steven Rowe helped you?

Steven has been a constant support to me with all matters financial

Have you seen the outcome you were hoping for?

Absolutely!

What could they have done better?

Nothing. I consider Steven as a friend now. Always helpful with any financial queries I have

Steven's reply

Oh Annette! I’ve had more fun with you over the years than with anyone else. From pie and peas night, to discerning we are both high functioning misanthropes, from wine in the garden and baiting neighbours at your two homes during this time, to learning pianoforte together (you learned, I gave up!), seeing you in hospital when I was there to be sliced up, when you inspected my granulating wound in your kitchen, we have had.. a bloody lovely time. Although the last one was pretty disgusting for you, but you made me so it’s your fault. Thank you!

Review from verified client

July, 2022

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Help with pension

How has Steven Rowe helped you?

Steve has made my pension easy to understand and so far I am really happy with all Steve and his team have done

Have you seen the outcome you were hoping for?

Yes I have definitely had the outcome that I hoped for and it has all been made very easy to understand

What could they have done better?

As working with Steve and all his team has been such a good experience I find it difficult to find fault with the excellent service I have received

Steven's reply

HI Mandy, Thank you so much for the kind words. We love helping you and Ian and it's great how you have involved yourselves with us on the walking club. From my point of view, it's been great to help you move home, get your holiday pad and deck chair and watch your tan deepen every year! Looking forward to working with you for years to come.

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Looking to start planning for a good retirement

How has Steven Rowe helped you?

Steve and the team have provided excellent customer service and are very professional. Steve listens to your aims and puts them into action, I have total trust in him and his advice

Have you seen the outcome you were hoping for?

Despite the turbulence in the markets over the last couple of years I believe we will reach our goals

Review from verified client

June, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Selling investment property. Wanting to make additional contributions to pensions.

How has Steven Rowe helped you?

Provided advice on pension contribution and investment planning for immediate and longer term objectives.

Have you seen the outcome you were hoping for?

Too early to tell be the advice is sound

What could they have done better?

N/A

Steven's reply

Hi Tom, thanks for the review. Although 'too early to tell if advice is sound' I can only assume that slightly negative tinge is due to me thrashing you at 'Office Table Tennis' 10 years ago at Avon House!! Obvs, if it's that advice I gave you last week then that makes sense! See you soon, for a rematch. Steve

Review from verified client

May, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Continuing advice sought after a poor experience with a previous adviser.

How has Steven Rowe helped you?

Sensible easy to understand financial advice provided in a friendly manner and a convenient location.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I haven't found out anything yet that could have been done better.

Steven's reply

Cheers Paul! What makes this especially gratifying is I know you do your own research to test me! It’s been great helping you over the past, going on ten years and also to see you are a keen participant in our walking club. Thanks again. Steve

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in Worcestershire

What were the circumstances that caused you to initially look for an adviser?

After talking to some ex colleagues they recommended Lucent financial planning, I had no idea about how of this would work. Lucent did a full financial review of our financial situation, this took a few weeks to complete and we went back to find that both my wife and I could afford to take early retirement which we did.

How has Steven Rowe helped you?

Steve produced some very detailed plans, asked us what we would like to get out of life and what our expectations were. Everything was explained down to the last detail and we both felt very confident that the future looked very promising.

Have you seen the outcome you were hoping for?

We asked for an annual review, we could have it as often as we wanted but felt annually was enough. I couldn;t have hoped for a better outcome, we are both really enjoying our retirement and feel secure that we have the money to do all the things we want to without jeopardising the future.

What could they have done better?

At the start we were told that we could achieve all our goals, unfortunately I took this mean now! after spending time chatting about it we realised it would be impossible to carry out everything all at once and we needed to plan a bit better. I really can't think of anything that could have been done better, we are financially secure going forward so what could be better than that?

Steven's reply

Thanks for saying all those nice things Dave, but really, it's just using the fruits of all your hardwork! The next thing for you is to start the building project. Good luck! Steve

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Retiring from work and needing to make decisions about my pension and finances going forward.

How has Steven Rowe helped you?

Steve has provided hand held reassuring guidance on financial planning for our retirement

Have you seen the outcome you were hoping for?

Yes definitely. Steve has a sensible no non approach that is tailored to your individual risk appetite. He is always available to answer your questions,talk you through situations and provide reassurance if need

What could they have done better?

Nothing !

Steven's reply

Thanks for that Pat, it's great to see you do all the things you have wanted, next stop Canada!

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Transferring my pension pot from Lloyds to allow more flexibility for my future and family

How has Steven Rowe helped you?

Steve has explained clearly to me how my money would be invested which has given me the opportunity to be in control of my future spending in the time of life .

Have you seen the outcome you were hoping for?

No one has a crystal ball and with Covid I feel I’ve been well supported and protected as best as can be expected.

What could they have done better?

I really can’t think of anything as good communication is already there .

Steven's reply

Thanks for your kind review. I know you’re having a tough time at the moment, so I’ll be there to help you through it in any way we can.

Review from verified client

April, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

looking for advice on a Pension transfer and what to invest in via a SIPP

How has Steven Rowe helped you?

Steven analysed our requirements and provided advice and recommendations as to whether a transfer of pension was appropriate. He then structured a pension portfolio in a SIPP to meet our agreed needs and risk level

Have you seen the outcome you were hoping for?

Yes

Steven's reply

Thank you for taking the time to leave a review of us and a good one at that! Now back to work in getting your home sorted out and if you still don’t like it, we will find you another one!

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Steven Rowe helped you?

Enabled me to retire early with a secure income.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing

Steven's reply

Thanks for the review, you’re a man of few words In writing, but as one of the lynchpins of our events, where you grab microphones and make impromptu speeches, call me the ‘Messiah’ and get the party started, I give you 5 stars too!

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

Initially it was regarding Pension advice but over the years I have worked with Steve the range of advice I seek has broadened

How has Steven Rowe helped you?

Steven has provided me with confidence to plan and live in retirement

Have you seen the outcome you were hoping for?

I have always received excellent advice

What could they have done better?

Nothing

Review from verified client

March, 2022

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

Ongoing reviews

How has Steven Rowe helped you?

Steve's style has allowed us to talk about 'difficult' issues, what happens on the death of one of us or both of us, and allowed us to get that sorted so I can feel reassured and feel more relaxed as we continue to enjoy our retirement. He has also helped us to understand and focus on where we are and what we want and just gives brilliant advice, to enable us to live in a fulfilling way.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

nothing

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Needed guidance on options for early retirement including consolidation of pensions. Needed clarity on best time to retire (financially) and optimisation of taxation issues. Guidance and options for inheritance tax planning.

How has Steven Rowe helped you?

Steven has helped consolidate 3 defined contribution pensions, saved us money on taxation issues and ensured we have benefited from using tax and pension allowances. He has set up trust deeds for estate planning.

Have you seen the outcome you were hoping for?

Everything that we wanted to achieve, and more, has been achieved.

What could they have done better?

There is nothing that could have been done better.

Steven's reply

Thanks for the kind words, especially ‘Steve has been the most approachable and professional person we have worked with’ eh ok makes me worry you have only ever seen a dentist! Thanks for all your support, hoping can help you for a long time.

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Pension advice

How has Steven Rowe helped you?

Steven has given me comprehensive pension and financial advice

Have you seen the outcome you were hoping for?

Yes,I was able to retire early (55yrs)

What could they have done better?

Nothing

Steven's reply

Thanks for your all star performance! No, I’m not talking about the review you have done and thanks very much for that! I am talking about the video Mrs M sent of you Kite surfing… glad we’ve helped you to do that! Watch Mrs M though, analysis of the video revealed whispered voices of ‘cut the cord’ when you were in the middle of the ocean!

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Multiple revenue streams, pensions, investment opportunities

How has Steven Rowe helped you?

Very good at making the complex simple

Have you seen the outcome you were hoping for?

Looking good so far!

What could they have done better?

I am happy with the service provided to date

Steven's reply

Thank you for my banging review, Sir. I love working with the creative professions, where I can get my ‘big picture’ explanations out! Professionally, for you, only the exciting stuff from now on. Nothing to be done because of ‘the money’. Much love x

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Worcestershire

What were the circumstances that caused you to initially look for an adviser?

My pensions and investments were in many different places, and I wasn't sure if I was getting the best out of them where they were. Plus keeping track was quite hard.

How has Steven Rowe helped you?

Steve listened to my needs, gave advice when asked for and followed through on everything he said he would. He didn't push me to make a decision, and waited until I was ready. Everything was done in a very professional, but friendly way. It is relatively early days for me, as I've been only with Steve and his team for about a year. Online meetings, face to face meetings and emails have been easy. The advice given is useful (even the non-financial stuff). And it seems like nothing is too much trouble for Steve and his team.

Have you seen the outcome you were hoping for?

So far so good, I feel happy that Steve and his team understand my needs, know me as a client and are offering advice and guidance that best suits me.

What could they have done better?

Not much! Whilst the charges looked a bit steep initially, I can see that I am getting good value for money.

Steven's reply

Thanks for the review and comment about ‘value’ that’s what it’s all about! It is a team effort though and we are all there to help… even the neighbours’ kids? It’s been lovely helping you… except that endowment problem you had when you came to see us first. I can only hope I never have to deal with a company like that again!

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I wanted advice on planning for my future

How has Steven Rowe helped you?

Steven provided pension advice and how to make my money work better for me

Have you seen the outcome you were hoping for?

Yes my wife is delighted with the improvements we have made to the house as a result of the tax free income we have liberated from our pensions

What could they have done better?

Nothing I am happy with the service

Steven's reply

Thanks for the review and the kitchen looks great! Your coffee is always good too! I love coming to see you two and our, erm, political analysis sessions. Ok, exasperated ranting. They’re always a highlight.

Review from verified client

February, 2022

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Early retirement

How has Steven Rowe helped you?

Gave good advice on transferring out and setting up a sipp

Have you seen the outcome you were hoping for?

So far all is good!

What could they have done better?

Nothing I can think of.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

a recommendation from a trusted friend

How has Steven Rowe helped you?

a complete review, took time to understand our needs and nice gentle enquiring questions about our family ambitions

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I can think of!

Review from verified client

January, 2022

Overall

Advice

Value

Service

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Steven Rowe helped you?

Planning and ongoing pension usage

Have you seen the outcome you were hoping for?

Yes

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Middlesex

What were the circumstances that caused you to initially look for an adviser?

My circumstances were changing, starting up a new company and becoming self employed.

How has Steven Rowe helped you?

Steven set out the simple steps to carry out to improve my financial position. This included putting into place sensible protection as well as saving for a pension.

Have you seen the outcome you were hoping for?

Steven and his support team have helped me to take the necessary steps and my financial future is as clear as I need it to be. He has achieved what I asked him to do.

What could they have done better?

Nothing from my perspective.

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

i had some money not doing very well in the Bank

How has Steven Rowe helped you?

he advised me where to put my money to benifet me

Have you seen the outcome you were hoping for?

yes i am very pleased with the result

What could they have done better?

nothing

First impression from a user who is not yet a client

January, 2022

Overall

Please provide a brief comment about your experience with Steven

Apologise if I speak out of turn here but, I don't recall speaking to Steven so I can't rate him.

Steven's reply

Hi Roy, apologies for the confusion! Your original enquiry to Lucent Financial Planning came via Steven's VouchedFor account, and the VouchedFor site automatically sends out a request for your first impressions 7 days after your enquiry. That's why you have received a request to rate Steven, rather than Luke James, one of our other advisers who has been matched with your enquiry at Lucent, and you are currently in discussions with him in order to help you. I hope that clears things up, and we look forward to seeing you at your next meeting with Luke. Best wishes from the Lucent Team!

Review from verified client

January, 2022

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

To move my pension and plan my retirement.

How has Steven Rowe helped you?

Gave excellent help and guidance.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing exceptional service

Steven's reply

Thank you Sir! You’re one of the best and a stalwart of our events. Gutted you can’t come next week, especially when I told you to retire, so the “I’m working” excuse isn’t cutting it! Get yourself out of there asap l, otherwise, I’m coming to kidnap you!

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

Just over 7 years ago I was approaching the age of 60. I had a number of private pension schemes and rights in a staff pension scheme that was about to mature. I needed advice on how best to manage my pension schemes and make financial arrangements for retirement.

How has Steven Rowe helped you?

Steven Rowe researched all my schemes and advised me to transfer them to a single scheme.

Have you seen the outcome you were hoping for?

Yes. The fund has performed well and I have been able to afford some major expenses.

What could they have done better?

I am not aware of anything that could have been done better.

Steven's reply

Thanks for the kind review. It’s been great watching you settle into retirement. Move home from that fabulous, Georgian home that was… it was cold wasn’t it! To a lovely new place, that still has character but is a lot more functional.

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Principally long term savings and pensions advice

How has Steven Rowe helped you?

Created an excellent plan that maximised and matched my risk appetites, financial objectives and tax position

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing to report to date

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Oxfordshire

What were the circumstances that caused you to initially look for an adviser?

Thinking about pensions and retirement

How has Steven Rowe helped you?

Consolidating my pensions into a single wrapper. Pulling together all my wife’s pensions. Thinking about the future. Making hopefully the right investment decisions.

Have you seen the outcome you were hoping for?

Yes, I think so!

What could they have done better?

Not sure

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Worcestershire

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Steven Rowe helped you?

Na

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Na

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Steven Rowe helped you?

Setting up my pension fund

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing comes to mind

Review from verified client

December, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Becoming a company Director

How has Steven Rowe helped you?

Helped to structure and direct my finances towards success

Have you seen the outcome you were hoping for?

Not yet financially, because I am at the start of the journey

What could they have done better?

We all want things for free! Fees are a little higher than I would like.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Fermanagh

What were the circumstances that caused you to initially look for an adviser?

I found myself facing divorce, assets were split, I hadn’t worked in years and I was terrified.

How has Steven Rowe helped you?

Steve’s way of talking me through situations, pros and cons, in a calm way, (verbal handholding) was invaluable.

Have you seen the outcome you were hoping for?

More than. Steve to me is a God.

What could they have done better?

When I think of it - I will let you know.

Steven's reply

Jane, thanks for feeding me bread pudding all those years! Obviously, you only escaped overseas to avoid all that baking and being able to explain things without my mouth full was icy better for you. I loved every minute and it’s been a pleasure! No need to pray anymore, it’s in the bag ?

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

I was about to retire and needed independent advice about the pension options that were open to me.

How has Steven Rowe helped you?

Steve was very knowledgeable but it was the way he explained everything in a language that was easy to understand that drove our decision to go with his services

Have you seen the outcome you were hoping for?

Very much so. Steve provides regular updates, makes himself available at any time and undertakes a formal review at least annually.

What could they have done better?

At this moment in time I’m more than satisfied with Steve’s service so don’t have anything to add.

Review from verified client

November, 2021

Overall

Advice

Service

Value

Based in Devon

What were the circumstances that caused you to initially look for an adviser?

Closing in on retirement

How has Steven Rowe helped you?

Excellent comprehensive advice

Have you seen the outcome you were hoping for?

Mostly. Yes

What could they have done better?

Not sure. These are difficult times for the elegise world

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Pension transfer

How has Steven Rowe helped you?

Helped cut through the jargon, understand my situation & goals. Then offer several possible routes forward with pro’s & con’s for discussion & agreement.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing I don’t think - great, friendly & easy to understand advice. A shout out to his team too - they’re brilliant.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Was coming towards retirement and needed help understanding all my options.

How has Steven Rowe helped you?

Steve went through all my options listened to what I wanted and explained what was open to me.

Have you seen the outcome you were hoping for?

Yes iam very happy with the advice I was given and now have a better understanding of what retirement can mean for me.

What could they have done better?

nothing at the moment very happy.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

planning for retirement

How has Steven Rowe helped you?

helped prepare a plan

Have you seen the outcome you were hoping for?

yes

What could they have done better?

Having developed a long term relationship with Lucent it would have been helpful if they could have managed the transfer of my defined benefit pension rather than being passed on to someone I didn't know.

Review from verified client

October, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Retirement,Pension options and Long term financial planning

How has Steven Rowe helped you?

Great advice in an manner that was friendly fully understandable and illustrated in an easy visual way that showed options available This has continued since the first engagement. Provided reassurance peace of mind and education whilst providing additional well being services

Have you seen the outcome you were hoping for?

Retirement a few years ago, support and peace of mind! Yes so far so good!

What could they have done better?

Perhaps s as few questions and advice on long term security ? Our Wills need revision!

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with Steven

Steve is really kind and caring, explains everything clearly to you and is on hand if you need help, so we both feel we chose the right person for ourselves.

First impression from a user who is not yet a client

October, 2021

Overall

Please provide a brief comment about your experience with Steven

Always informative and useful

First impression from a user who is not yet a client

September, 2021

Overall

Please provide a brief comment about your experience with Steven

Following my annual review, I was confident to change my investment strategy following Steve's advice.

Review from verified client

September, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I wasn't happy with my last one.

How has Steven Rowe helped you?

Provided clear & accurate advice when I needed it.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing it was all great.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in Worcestershire

What were the circumstances that caused you to initially look for an adviser?

I was considering early retirement and needed the help of a Financial Advisor.

How has Steven Rowe helped you?

Steve guided me through the process that enabled me to transfer my pension and has provided us with the flexibility we were looking for. Steve always makes us feel like our retirement happiness is important to him and he is always encouraging us to enjoy it.

Have you seen the outcome you were hoping for?

We have only been with Steve for just under 2 years, but his reassurances and advice have been invaluable during this unusual period.

What could they have done better?

Based on our experience so far I don't think we could have expected more.

Review from verified client

August, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Financial planning

How has Steven Rowe helped you?

With excellent advice, clear explanations and reassuring delivery

Have you seen the outcome you were hoping for?

Yes

Review from verified client

July, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I wanted to plan my Finances to support my aspirations, and to ensure Financial Security for my family

How has Steven Rowe helped you?

Steven provided advice regarding my Pension, Savings and Investments. He also helped with putting me in contact with other Finance Professionals to assis twith my Business Finance.

Have you seen the outcome you were hoping for?

Yes, the advice I received exceeded my expectations, and I have been very grateful for the advice I have received.

What could they have done better?

Nothing....even the car parking was paid for! A great service

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Retirement planning

How has Steven Rowe helped you?

By reviewing my financial situation following redundancy/early retirement to help me plan for the medium & longer term. I have been a client of Steve’s for the past 5 years & received individually tailored advice, taking account of my preferences for ethical investments, personal priorities, lifestyle & longer- term aims. Communication has been clear & any queries have been addressed quickly & effectively. I have great confidence in his advice & wider perspective.

Have you seen the outcome you were hoping for?

Yes, my investments have performed well & I have had access to them when required.

What could they have done better?

I can’t think of anything.

Review from verified client

June, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Planning for future

How has Steven Rowe helped you?

helped us work out how much we need to save for retirement

Have you seen the outcome you were hoping for?

not applicable - Won't have an outcome until we retire

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in Outside UK

What were the circumstances that caused you to initially look for an adviser?

Retirement age reached

How has Steven Rowe helped you?

Steve got all my policies in order and invested as per planned.

Have you seen the outcome you were hoping for?

Yes but not able to compare.

What could they have done better?

All was done as discussed.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I have used a financial adviser for many years and when I became dissatisfied with a previous adviser I was keen to find a local independent adviser that I could trust. I have now been using Steve for 10 years and have full confidence and trust in his advice.

How has Steven Rowe helped you?

Steve was able to analyse my savings and investments and suggest a new approach that has proven to be successful.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I've been more than happy with the advice received

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

We were approaching retirement and wanted to know whether we were financially able to.

How has Steven Rowe helped you?

he reviewed our situation and showed us, graphically and in a clear and concise way that we fairly comfortable and therefore able to retire without worry.

Have you seen the outcome you were hoping for?

Its early days yet as we have only been with Steven for 16 months but early signs are positive, even through a pandemic.

What could they have done better?

nothing at this stage as contact has been maintained throughout the pandemic.

Review from verified client

May, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Best way of protecting and securing our money.

How has Steven Rowe helped you?

By giving clear , easy to understand advice and assistance.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Happy with everything.

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

With our savings and pensions showing poor performance, we sought Steve's advice on how our money could be better invested for the long term.

How has Steven Rowe helped you?

Steve put a long term financial plan together for us which has given us a sense of financial security over our future that we never had before, and has provided us with a basis for being confident in the life choices we make going forward.

Have you seen the outcome you were hoping for?

Yes, the outcome so far has been better than expected mainly due to Steve's timely suggestions and advice on investment decisions during the pandemic.

What could they have done better?

Nothing.

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in Worcestershire

What were the circumstances that caused you to initially look for an adviser?

Feasibility of setting up a pension via my limited company business.

How has Steven Rowe helped you?

Steve enabled me to set up my pension with a draw down facility.

Have you seen the outcome you were hoping for?

Broadly yes.

What could they have done better?

Not much.

Review from verified client

February, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Pension lump sum to be invested.

How has Steven Rowe helped you?

Clear advice and assistance

Have you seen the outcome you were hoping for?

Yes..to date.

What could they have done better?

Nothing.

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Early retirement following voluntary redundancy.

How has Steven Rowe helped you?

I was not planning to retire for a few years but when voluntary redundancy became available at my employer Steve provided me and my wife with advice which showed I could comfortably retire earlier than planned.

Have you seen the outcome you were hoping for?

So far everything is going to plan and Steve Row has been a steady hand on the tiller during some turbulent times over the last year in particular.

What could they have done better?

Steve's fees are not the lowest about but we are happy to pay a bit more for his services as we feel comfortable with him and trust his advice.

Steven's reply

Thanks Tim!

Review from verified client

January, 2021

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Over the years various - but in the first instance a pension collation and advice.

How has Steven Rowe helped you?

Brought all my pensions into one new one and advised on the right pension for my needs

Have you seen the outcome you were hoping for?

Yes - absolutely

What could they have done better?

Honestly - nothing.

Review from verified client

December, 2020

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

I wanted to focus on developing my business rather than navigating the pension, investment and personal tax landscape so was keen to find trusted outside assistance.

How has Steven Rowe helped you?

Pragmatic, considered and simply conveyed investment advice. Steve took a holistic view of where I was and where I wanted to get to firstly in terms of lifestyle and then built a financial plan to deliver it.

Have you seen the outcome you were hoping for?

Yes, all positive so far.

What could they have done better?

Short of having a crystal ball, I can't fault Steve or the rest of the team at Lucent.

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Redundancy and early retirement

How has Steven Rowe helped you?

He helped illustrate what was possible and then put it in place in an efficient and transparent way

Have you seen the outcome you were hoping for?

Absolutely

Review from verified client

November, 2020

Overall

Advice

Service

Value

Based in Fermanagh

What were the circumstances that caused you to initially look for an adviser?

Whilst married, Steve was our joint F.A. When I divorced I felt there was no-one I would be more comfortable with than Steve. He has such an easy delivery of fairly complex matters

How has Steven Rowe helped you?

By being confident and reassuring and committing to monitoring my situation and alerting me to possible pitfalls

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

Honestly, I don’t know how he could. I trust him implicitly.

Review from verified client

October, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I was close to retirement and needed advice.

How has Steven Rowe helped you?

Steve went through in detail about all my options and went into great detail about what was best for me and my family

Have you seen the outcome you were hoping for?

Yes and probably exceeds what I was hoping for

What could they have done better?

I would struggle to make comment I could not fault the advice I received

Steven's reply

Cheers Eddie! It was good to see you yesterday. I am really chuffed how it has worked out for you. I hope the windows/doors look good. See you soon,

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Funds to invest

How has Steven Rowe helped you?

Invested in low risk investments then maximised use of ISA allowance.

Have you seen the outcome you were hoping for?

Basically yes.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Shropshire

What were the circumstances that caused you to initially look for an adviser?

Continued review of personal finances

How has Steven Rowe helped you?

With appropriate investments to my circumstances

Have you seen the outcome you were hoping for?

yes

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

When I retired 6 years I had to buy an annuity.

How has Steven Rowe helped you?

Steven Rowe found the right annuity for me and also invested my savings

Have you seen the outcome you were hoping for?

Definitely, the annuity was excellent and the investments, even in these troubled times are far better than I could get anywhere else.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in Worcestershire

What were the circumstances that caused you to initially look for an adviser?

I wanted to know if I would benefit by transferring my works pension into a self-invested personal pension on retirement.

How has Steven Rowe helped you?

Steve reviewed my wife's and my own personal and financial circumstances and advised on the best course of action to support us both after retirement. He explained the alternatives and helped us understand the best way forward.

Have you seen the outcome you were hoping for?

Yes, we now have a consolidated plan and feel much more confident about the future.

What could they have done better?

The only comment I can make is that Steve is so enthusiastic about his work that sometimes he provides too much back-up data which we have trouble digesting. Maybe a summary could be offered as an option.

Review from verified client

August, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

My husband retiring with a large sum of money needed to invest and get advice

How has Steven Rowe helped you?

Steven, was very thorough in every aspect And went through all our options explained everything in detail and ways we could understand. He was not pushy unlike some financial advisers we haVe dealt with in the past.

Have you seen the outcome you were hoping for?

Absolutely

What could they have done better?

I’m not really sure how he could’ve things better, we have our trust in has advice and ability.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Early retirement advise

How has Steven Rowe helped you?

Helped me to understand my financial circumstances and pension status

Have you seen the outcome you were hoping for?

Yes it has enabled me to retire early with the confidence of this being a financially good decision

What could they have done better?

So far the advise received from Steve has been easy to understand so hopefully this will continue and so at the moment I have no improvements required

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Time of life

How has Steven Rowe helped you?

Pension review

Have you seen the outcome you were hoping for?

During these difficult times Steve was able to reassure that we’re on the right track of financial journey

What could they have done better?

Just continue to provide first class advice

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Berkshire

What were the circumstances that caused you to initially look for an adviser?

Needed advice as approaching retirement.

How has Steven Rowe helped you?

Clarified areas relating to pensions.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I don’t feel anything could have been better. Steve is always easy to talk to and will always answer any questions however silly they might seem. He explains everything very clearly.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

My pensions needed to be organised

How has Steven Rowe helped you?

He helped me transfer my pensions into one manageable pot.

Have you seen the outcome you were hoping for?

Yes and more

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in Berkshire

What were the circumstances that caused you to initially look for an adviser?

I needed someone I could trust as I approached stopping full-time employment.

How has Steven Rowe helped you?

Risk assessment and refocusing of investment strategy.

Have you seen the outcome you were hoping for?

So far so good.

What could they have done better?

Nothing, I’m very happy with Steve’s service.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I needed sound professional and honest advice regarding my pension and future income

How has Steven Rowe helped you?

By providing sound professional and honest advice regarding my pension and future income in a friendly and approachable way. Steve is always available whenever I need advice and responds quickly and efficiently to any query I might have. Nothing appears to be too much trouble.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

There is from my own experience not a lot that Steve could have done better.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Approaching retirement

How has Steven Rowe helped you?

Advised on the best way to invest my pension money so that we could still enjoy a good standard of living in retirement but ensure that we had enough money to live on for the rest of our lives. Steve initially talked us through our options and established our attitude to risk with his detailed scenarios. Since then we have an annual review in which he goes through what has happened in the financial markets during the year and then discusses our wishes for the coming year. Even with the recent Coronavirus pandemic he has been very reassuring and we feel very confident with his advice.

Have you seen the outcome you were hoping for?

We only joined Lucent in 2017 but we are very happy with how things have progressed so far. Everything seems to be on plan.

What could they have done better?

Nothing. We had never been in a position before to invest money so were quite apprehensive. However, Steve’s professional but friendly and down-to-earth approach put us completely at ease.

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I was due to retire and needed reassurance that this was financially viable

How has Steven Rowe helped you?

He carried out a detailed appraisal of my financial position and was able to advise on the most appropriate way of retiring and setting up a suitable pension.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

The detailed reports Steve created to inform me of my retirement options were very useful but even more useful was the time spent by Steve explaining the conclusions of these reports and carefully answering the many queries I raised on what for a layman is a complex topic. Really this is just a reminder to all parties not to undervalue this aspect of a commission.

Steven's reply

Thanks Mike, I always enjoy our meetings and thanks for helping us out too!

Review from verified client

July, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I wanted to find the best way to invest my pension funds that would allow me to withdraw lump sums and regular amounts as and when it suited me and could potentially leave a lump sum to my son in the event of my death.

How has Steven Rowe helped you?

Steve undertook an assessment of my finances and my appetite for risk. He also wanted to understand our requirements for now and in the future. He undertakes a regular review of my situation and finances to ensure I am track to achieve my objectives.

Have you seen the outcome you were hoping for?

Yes I have. I am kept regularly up to date with any sales or purchases in investments and movement in my pension funds with access to my own pages on Lucents (Steve's site). As well as an annual review, he also provides a copy of the data that we have discussed and regularly sends out interesting articles and insights into the current financial situation, which is particularly useful at this time of uncertainty.

What could they have done better?

.

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Early Retirement Pension transfer to investments. Therefore I could have a monthly income and leave a lump sum in the future to my family.

How has Steven Rowe helped you?

Steven took me through all the options, for and against, to assist my decisions with what to do with my company pension. Examples were displayed, with risks, to enable myself to make my future secure.

Have you seen the outcome you were hoping for?

I'm more than happy with the outcome, even with the Covid pandemic happening within my first year of transferring my pension pot.

What could they have done better?

I'm note sure anything could have been improved.

Steven's reply

No problem Karl! Thanks for the nice message

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Long term money plan for family

How has Steven Rowe helped you?

Steven was excellent in assisting both myself and wife explaining all of the options and details thoroughly

Have you seen the outcome you were hoping for?

Hopefully we will over the next few years!

What could they have done better?

N/A

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Planning for my future

How has Steven Rowe helped you?

Informed guidance and support on my pension

Have you seen the outcome you were hoping for?

Yes, regular informed updates

What could they have done better?

Nothing. Steve is perfect. He is so easy to work with, an expert we trust implicitly

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

I wanted an Independent advisor and Steve was recommended to me. I had money to invest and wanted the best returns.

How has Steven Rowe helped you?

Looked after me through all the processes. Explained everything to me in terms I could understand.

Have you seen the outcome you were hoping for?

Yes. More that happy with decisions made.

What could they have done better?

I don't think he could have done any better. Steve is very genuine and I felt he always had my interests at heart.

Steven's reply

You are lovely Annette! Looking forward to seeing you and putting the world to rights soon ?

Review from verified client

June, 2020

Overall

Advice

Service

Value

Based in Northamptonshire

What were the circumstances that caused you to initially look for an adviser?

Redundancy 2 years prior to planned retirement required me to assess how much I needed to earn for how long to retire in the same financial situation as planned

How has Steven Rowe helped you?

Identified, based on desired retirement lifestyle that I had sufficient resources to retire fully now if I wished, demonstrating via a lifetime wealth projection that I would never run out of money

Have you seen the outcome you were hoping for?

Yes, just over 2 years on, our expenditure has been within the range expected and our lifetime wealth projection has stayed on the original plan

What could they have done better?

Some financial advisers will try to answer the question 'What can I do for your money?' Steve's approach is 'What can your money do for you?' which to me is a refreshing approach that helps me to counter my innate financial caution. This may not suit everyone.

Review from verified client

May, 2020

Overall

Value

Service

Advice

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

nearing retirement at the time and the need to consolidate my investments.

How has Steven Rowe helped you?

Steve helped with the consolidation and planning for my early retirement. What's was the future needs and how to achieve them.

Have you seen the outcome you were hoping for?

Almost to the original discussions and goals.

What could they have done better?

Not a thing I am OK with Steve professionalism and attitude.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Myself and Mrs are directors of a limited company and were thinking to invest in personal pensions paid by our company.

How has Steven Rowe helped you?

Steven assessed our risk perceptiveness and based upon the findings recommended the most suitable pension plans.

Have you seen the outcome you were hoping for?

Yes, in our last meeting Steven walked us through our portfolios, which are quite satisfactory.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

divorce and anxiety about finance

How has Steven Rowe helped you?

Steve was recommended to me by an old family friend who was in the same business. He talks good sense (I come from a financial background so understand investments etc) and is always reassuring . I feel I can leave the decision making to him withoout worrying about it.

Have you seen the outcome you were hoping for?

Yes. He has reinvested my funds , and I am confident with his choice and advice.

What could they have done better?

nothing

Review from verified client

May, 2020

Overall

Value

Service

Advice

Based in Shropshire

What were the circumstances that caused you to initially look for an adviser?

To look to see how I can invest money efficiently.

How has Steven Rowe helped you?

He manages my pension financies to allow me to retire when I want to.

Have you seen the outcome you were hoping for?

I will more so when I retire early :)

What could they have done better?

Nothing.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Early retirement

How has Steven Rowe helped you?

Advised me on pension transfer

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing really, first time I had used an adviser, everything was pretty straightforward.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I worked for Rover and BMW for over 30 years,I decided to draw my pension out ,to pay off Mortgage,but to do this I had to get a financial advisor, my friend was with Steve so we had a meeting and my wife and I were very impressed and we've been very happy since.

How has Steven Rowe helped you?

By advising us with pension funds and advice on other things.

Have you seen the outcome you were hoping for?

So far,yes we've been very happy.With this CORONAVIRUS we were expecting things to go down Big time but not as bad as what we thought,but as Steve says DON'T touch it keep it were it is.

What could they have done better?

Steve was very reassuring and gave us a forward plan for the next 12 months that we were happy with.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

retirement

How has Steven Rowe helped you?

explain the different options oentome.

Have you seen the outcome you were hoping for?

yes

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Movement of a final salary pension to a private pension

How has Steven Rowe helped you?

Analysis to help inform decision as to whether a pension transfer would be a sensible approach

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot think of anything that Steve have done more than he did.

Review from verified client

May, 2020

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

I had several pensions from previous jobs and wanted to make sure I was doing the best things with them to plan for my retirement.

How has Steven Rowe helped you?

Steven reviewed every aspect of my financial circumstances, sorted out my mess of pensions and gave me confidence that I was heading in the right direction with his help.

Have you seen the outcome you were hoping for?

I'm not retired yet! But I'm pleased with the help and advice that Steven gives, and trust his judgement completely.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for an adviser?

Income protection and planning for retirement.

How has Steven Rowe helped you?

Reviewed current arrangements, made recommendations on their suitability. Advised of areas in our financial arrangements that required further consideration. Transferred a company pension to a new arrangement now my work circumstances have changed and gave advice on the required levels of funding to achieve the lifestyle I am looking for in retirement.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing. Steven has a straightforward and factual approach to his advice backed up by evidence. He explains in simple terms all the options available and is completely transparent allowing you to make your own choices with all the facts and information so that you are fully informed.

Review from verified client

April, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Pension transfer and SIPP. Investment and financial advice.

How has Steven Rowe helped you?

Steve was instrumental in transferring mine and my wife’s pension and allowing us to retire. He also provided invaluable financial advice and guidance.

Have you seen the outcome you were hoping for?

We were able to retire at 58, 7 years early.

What could they have done better?

Nothing. Very happy with the service

Review from verified client

March, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

I wanted advice on my Pension/ retirement planning and investment of savings

How has Steven Rowe helped you?

Steven took time to understand my personal circumstances and talked me through the various options open to me explaining the pros and cons of each option and we then agreed a strategy and then review that strategy together

Have you seen the outcome you were hoping for?

To date the strategy has proved successful and beneficial

What could they have done better?

Steven has been excellent throughout- he had been patient and explained everything to me clearly

Review from verified client

March, 2020

Overall

Value

Service

Advice

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

These comments are in relation to a annual review undertaken

How has Steven Rowe helped you?

Provided clear concise advice as to what he believed we should do, he challenged our views to ensure we were fully aware of consequences and potential outcomes. Clearly put forward his proposal in a relaxed way.

Have you seen the outcome you were hoping for?

Time will tell

Review from verified client

March, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

After almost 38 years employed by the same company I wanted to retire early. I worked in the Banking industry but did not have any reputable contacts in the FA sector. Steve was recommended to me by my wife’s accountant.

How has Steven Rowe helped you?

Steve is a very personable and likeable man. He put me at ease during our first meeting. I never feel rushed and he spends as much time as I feel I need in explaining anything he recommends before we decide to move forward. He arranged to transfer my final salary pension fund to my own portfolio to provide a monthly income in retirement.

Have you seen the outcome you were hoping for?

Yes, I actually receive a monthly income higher than I would have if I had stayed in the final salary scheme. My ongoing needs are straight forward with just my monthly income from the fund. I only have an annual review but that seems sufficient.

What could they have done better?

Nothing. Everything to date during my two years association has gone very smoothly. Steve is great and his team too provide good customer service. I have no hesitation in recommending Steve as an FA.

Review from verified client

March, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Annual review of investments

How has Steven Rowe helped you?

Suggested how to improve the return on the investments held

Have you seen the outcome you were hoping for?

Yes, work in progress on switching some investments

What could they have done better?

n/a

Review from verified client

March, 2020

Overall

Advice

Service

Value

Based in Surrey

What were the circumstances that caused you to initially look for an adviser?

Early retirement

How has Steven Rowe helped you?

Acted as financial advisor for the transfer of DBS pension scheme

Have you seen the outcome you were hoping for?

Not yet commenced

What could they have done better?

All good so far

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in Staffordshire

What were the circumstances that caused you to initially look for an adviser?

Tax efficiency

How has Steven Rowe helped you?

Up to date knowledge and info

Have you seen the outcome you were hoping for?

Yes

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Review of pension planning and need for change

How has Steven Rowe helped you?

Took time to listen, and his straight forward approach to advise and clear technical prowess inspired confidence

Have you seen the outcome you were hoping for?

Better than!

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

Started a new business

How has Steven Rowe helped you?

To put my finances on track

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing to note

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in London

What were the circumstances that caused you to initially look for an adviser?

-

How has Steven Rowe helped you?

Pragmatic advise to financial management and pension planning

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

The advise offered fulfilled all requirements

Review from verified client

February, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Looking if it was possible to be retire early whilst maintaining life style.

How has Steven Rowe helped you?

Explain in detail opportunities open to us,including pitfalls .

Have you seen the outcome you were hoping for?

More than met expectations . Retired earlier than i thought would be possible . Having a wonderful retirement with no financial worries.

What could they have done better?

As we have met Steve a number of times We know what to expect. We take time out before any meetings to review our circumstances and turn up with a list of questions. To date all have been addressed to our satisfaction.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Needed advice on savings

How has Steven Rowe helped you?

Good advice given

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

Nothing

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

we needed some help with pension advice and where to put our money.

How has Steven Rowe helped you?

He advised us the best way to make our money work for us so we could look forward to a happy retirement.

Have you seen the outcome you were hoping for?

Yes we have seen a very happy future.

What could they have done better?

i cannot think of any thing he could of done better.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I had money to invest.

How has Steven Rowe helped you?

He set up investments for me and gives me an annual update on how they are doing. He also gives me advice on retirement.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Review from verified client

January, 2020

Overall

Advice

Service

Value

Based in Gloucestershire

What were the circumstances that caused you to initially look for an adviser?

I was approaching retirement. I had several personal pension schemes from employment with various companies in the past and my last employer. I needed advice on how best to deal with my pension schemes to provide an income after retiring.

How has Steven Rowe helped you?

He carried out detailed research into my pension schemes and advised that I should consolidate all my funds into one scheme with a single pension company which offered the flexibility I needed.

Have you seen the outcome you were hoping for?

Yes, the fund has performed well.

What could they have done better?

More explanation of the portfolio report. I can understand the headline figures but the meaning of the analytical graphs and charts etc. is not clear to me.

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in Oxfordshire

What were the circumstances that caused you to initially look for an adviser?

Approaching early retirement with complex mix of pension and general finance/savings position for myself and my partner.

How has Steven Rowe helped you?

Took the time not just to understand our individual finance situations but also to take an holistic approach in consideration of our retirement aspirations.

Have you seen the outcome you were hoping for?

Yes, everything is proceeding as planned

What could they have done better?

Nothing to add

Review from verified client

December, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

My partner and I wanted to plan for our retirement

How has Steven Rowe helped you?

By consolidating our work pensions To avoid unnecessary charges and putting these into a more tax efficient savings vehicle

Have you seen the outcome you were hoping for?

I believe we will see this in the future it is too early to tell at the moment

What could they have done better?

We had some additional money we wished to invest and wanted advice on easier access savings vehicles. Whilst our Advisor did recommend the Post Office it would have been useful to have discussed the merits of a range of providers

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Pension advice and taking early retirement

How has Steven Rowe helped you?

Company pension taken and lump sum invested

Have you seen the outcome you were hoping for?

Easy access to investments enabled purchased of new home.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

As a business owner, we had a requirement to get pensions organised but also the right level of protection in terms of insurance policies as well.

How has Steven Rowe helped you?

Stephen explains things in a language you can really understand. We are super grateful to Steven for getting us financially fit for the future.

Have you seen the outcome you were hoping for?

We certainly hope we will!

What could they have done better?

Honestly, there isn’t anything more.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

My last financial adviser just disappeared.

How has Steven Rowe helped you?

He has advised me how to invest my money in a way I could understand.

Have you seen the outcome you were hoping for?

Yes.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

We had savings that needed professional guidance in investment. Steve 100 percent gave us that. Also our plans for our working life and pensions .

How has Steven Rowe helped you?

We discussed our finances... our plans for the future... how to plan our retirement. He explained things in a simple clear way so that I could clearly understand. We have a clearly mapped out of our finances which is visual and easy to understand.

Have you seen the outcome you were hoping for?

110 percent yes!! We have made money in Steves recommendations based on the level of risk that we were prepared to take. Both my husband and I trust him totally and have for years.

What could they have done better?

I have nothing to comment on this . Steve is perfect for what we need his advice and guidance on. Steve is one of the most trustworthy.. intelligent genuine person you are ever likely to meet .

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I wanted to find out whether it was worthwhile moving my final salary pension into a private pension. I also wanted to retire early and wanted to know whether this was possible.

How has Steven Rowe helped you?

Steve carried out a review to see whether it would be worthwhile moving my pension. He established what return I would require and whether this was possible taking into account my attitude to risk.

Have you seen the outcome you were hoping for?

Yes. I moved my pension into a private arrangement and I am on track to retire early.

What could they have done better?

Hard for me to suggest anything. I am an individual who requires a lot of Information. I attend review meetings with a lot of questions which are always answered and explained in a way that is easy to understand.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

Being self employed for almost 10 years my wife and I wanted to plan for our retirement in 4 to 5 years.

How has Steven Rowe helped you?

Explained pros and cons of amalgamating several money purchase schemes from previous employers into a single SIP and then arranged one for my wife and one for me.

Have you seen the outcome you were hoping for?

Partly as all set up but as retirement still some time off hoping for a good outcome then.

What could they have done better?

Not sure as my wife and I are not financial experts but keeping it simple is always the best policy.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Specialist advice from an expert, despite own working experience in the industry

How has Steven Rowe helped you?

Plan for retirement with confidence

Have you seen the outcome you were hoping for?

3 years in, no shocks, which is what we all want

What could they have done better?

Clarity on annual changes could be better explained

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

I had had a heart attack in my early 50s and as I was approaching 55 realised that I had some options with my Company Pension that could allow early retirement. I did not want to spend another 10 years working in a stressful and demanding job.

How has Steven Rowe helped you?

Steve laid out the options available and provided me with some very sound and friendly advice on transfering my pension. As with all financial advice there is a charge but Steve did provide a free initial meeting and clearly identified his charge structure if I was to go ahead. In his advice he provided clear pros and cons of remaining or transferring and never applied time pressure. He has a very friendly and patient manner and this is reassuring in what is a huge decision.

Have you seen the outcome you were hoping for?

I was able to transfer my company pension into a SIPP which has allowed me to take redundancy and early retirement at 55. I now also have the security of knowing that the entire fund can transfer to my family should I have any other health problems in the future. So far the fund is making some steady gains (after charges) despite a period of slow growth globally.

What could they have done better?

As part of the service I have access to a mobile app that tracks my funds. This is not always robust and sometimes freezes or does not update correctly. In recent weeks this appears to have been corrected.H

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I was returning to the uk with a large sum and wanted professional advice

How has Steven Rowe helped you?

I interviewed several advisors and selected Steve as he came across as personable and technically competent. Crucially he was focused on my best interests and not trying to sell.

Have you seen the outcome you were hoping for?

Given the market situation yes

What could they have done better?

Nil

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

DB pension transfer to SIPP.

How has Steven Rowe helped you?

Various scenario planning

Have you seen the outcome you were hoping for?

Early days!

What could they have done better?

Consistent use and development of the finance portal.

Review from verified client

November, 2019

Overall

Value

Service

Advice

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I was coming up to a planned retirement date and needed the services of a financial adviser to look at what options I had regarding my work pension scheme, having been a member for over 40 years. I also had an investment ISA that I wanted to know if there were better options because it had not been reviewed for a number of years. I was recommended to Steve / Lucent by a friend who had been in a similar situation. Other circumstances were that my wife had a number of inherited investments that had not been reviewed for a number of years.

How has Steven Rowe helped you?

Steve did a lot of work to come up with separate plans for myself and my wife. After the attitude to risk was carried out (individually) my pension was transferred to a SIPP and my investment ISA was transferred to a new ISA. Leading up to this he presented a lot of detailed work graphically and explained the situation and recommendations in a way that we could fully understand.

Have you seen the outcome you were hoping for?

Yes - I have seen the outcome I was hoping for with the added benefit of being able to review the situation via the Lucent online portal which is a great tool to see what is happening as and when necessary.

What could they have done better?

I am not a financial expert but the way Steve communicated and demonstrated in plain simple language was excellent. I have no suggestions to say what he could have done better.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Other people I know have taken advice on pensions and I decided to do the same.

How has Steven Rowe helped you?

Explained everything in plain English and with visuals, very good

Have you seen the outcome you were hoping for?

Too early to say with the current political climate.

What could they have done better?

I have to say that Steve came across exceptionally well and I have no suggestions for the service I received.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

For retirement advice and financial planning and structure for current savings

How has Steven Rowe helped you?

He assessed my financial status and provided a planned structured approach to my retirement.

Have you seen the outcome you were hoping for?

Early days yet but so far so good I can view my finances in an easy to understand app and watch them grow!

What could they have done better?

Nothing springs to mind he was first class

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Complexity of Pensions

How has Steven Rowe helped you?

Resolved all the issues relating to the Pensions

Have you seen the outcome you were hoping for?

Yes

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I had a sum of money that I wanted to invest following a redundancy pay out and I wanted to put it to good use for the future.

How has Steven Rowe helped you?

He advised on investment structures and pensions. He explained the options in an easy to understand way and had provided advice and guidance ever since.

Have you seen the outcome you were hoping for?

Hopefully. But it’s too early to tell at the moment.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Had previously used an IF A but was unhappy with the service received.

How has Steven Rowe helped you?

Explained his services in an easy to understand way and has continued to provide a first class service without using unnecessary financial jargon.

Have you seen the outcome you were hoping for?

Yes

What could they have done better?

I cannot think of anything to add in respect of this question.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Needed advice with our pensions

How has Steven Rowe helped you?

Helped merge pensions together

Have you seen the outcome you were hoping for?

We have received a lot of sound and sensible advice and hope to reap rewards in the near future .

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I was looking to review my pension plan and Steven was recommended to me by two other colleagues that were using him for their pension provisions.

How has Steven Rowe helped you?

I found Steven very professional with a great deal of subject knowledge. He made the plan I invested in understandable and straightforward in a subject which is far from being straightforward and understandable. This helped immensely to feel comfortable in investing with his company.

Have you seen the outcome you were hoping for?

Current plan is on track with the plan target I set.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

With all the press about pensions and making sure your pension was 'good enough' in retirement I wanted to seek some professional advice on whether my pension pot was going to provide a decent standard of living when I retired.

How has Steven Rowe helped you?

Steve came highly recommended and he certainly lived up to his reputation. Steve took a great deal of time to understand our current lifestyle and expenditure, what we had in equity and what our plans were for future years. Once he had the information he gave some very sound and easy to understand advice with no pressure to commit, he presented us with various scenarios on retirement ages and in a very easy to understand format which helped us choose how we wanted to transfer and invest our FS pensions to gain better access when we actually would require the funds. Steve provides an annual review updating on our investment and also providing ideas on how we can further improve our financial situation, even now helping us plan on how & when we want to retire and what we should now be thinking about.

Have you seen the outcome you were hoping for?

Absolutely, our pension investment is tracking nicely and will certainly provide a good standard of living through retirement.

What could they have done better?

I don't think that Steve could have done anything any better.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for an adviser?

Made redundant and needed think about pensions, retirement and inheritance planning.

How has Steven Rowe helped you?

Steve went through all my options regarding taking out my old company pension and where to put my savings. We planned my major expenses and inheritance for my 3 children.

Have you seen the outcome you were hoping for?

Absolutely yes! I have my pension, savings and part time income resolved. I know and understand where it is, what’s happening with investments and we discuss any future changes/requirements regularly. Steve recommends changes and options as appropriate and in a timely fashion.

What could they have done better?

No I am very happy with the personal service Steve provides and the advice. Steve makes me feel important as an investor and takes the time to discuss the future and what I might consider.where I would perhaps just leave things as they are. I trust him implicitly and I am completely satisfied with all he has done for me.

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Hampshire

What were the circumstances that caused you to initially look for an adviser?

Had significant sums of earnings that I wanted to invest in the stock market

How has Steven Rowe helped you?

Steve is a very straightforward guy to do business with. He is direct and makes you aware totally of the opportunity and challenges of your choices. He is very thorough , with undertaking risk assessments of your personal views

Have you seen the outcome you were hoping for?

Yes, even with the volatility of the markets. Excellent returns made yearly

What could they have done better?

Steve is very good at his role and I have no constructive comments to make

Review from verified client

November, 2019

Overall

Advice

Service

Value

Based in Fermanagh

What were the circumstances that caused you to initially look for an adviser?

I divorced in my early 60’s and needed advice and direction on managing what money I had to ensure it lasted into old age.

How has Steven Rowe helped you?

Steven has such an easy manner, I am not a financial whiz, but he managed to explain, what he suggested in such a way that I could understand and take control of my situation.

Have you seen the outcome you were hoping for?

Yes, I am right on track with everything

What could they have done better?

I truly believe, Steven met my expectations. I trust him, and in the early days of being alone and responsible for my own future, having panic attacks and feeling incredibly insecure, he managed to allay so many of my fears by patiently going through my options.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Cornwall

What were the circumstances that caused you to initially look for an adviser?

I wanted to take early retirement but my company final salarty pension had significant penalties if I took it early, making early retirement seemingly unviable.

How has Steven Rowe helped you?

Steve demonstrated through taking my pension pot out of my company's scheme and into a SIPP how significantley different my finacial position could be if I took this option.

Have you seen the outcome you were hoping for?

Yes

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

To look after my pension

How has Steven Rowe helped you?

Advised us on futre planning.

Have you seen the outcome you were hoping for?

Yes all going well.

What could they have done better?

He has explained all aspects in simple terms.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Investment opportunities.

How has Steven Rowe helped you?

Excellent advise and action.

Have you seen the outcome you were hoping for?

Yes, definitely.

What could they have done better?

I have no real criticisms of Steve, he is patient and easy to talk to, making sure you understand.

Review from verified client

October, 2019

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

I was looking to opt out of my company pension scheme and transfer into a drawdown arrangement.

How has Steven Rowe helped you?

Steve assessed my personal circumstances and gave me adequate and relevant information as to whether a drawdown arrangement would be suitable for me. He also gave me impartial alternative options that would also work for me.

Have you seen the outcome you were hoping for?

Yes. After 2 years of entering into my chosen arrangement with Steve my plan is delivering everything I wanted.

What could they have done better?

So far so good. We have formal catch-up meetings twice a year but Steve is always available if there’s anything I need to know or query.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Retirement

How has Steven Rowe helped you?

Spoke to us at length, ascertained our attitude to risk and then advised the best way to invest our money

Have you seen the outcome you were hoping for?

We have only just completed our first year with Lucent but everything seems to be proceeding in line with Steven’s advice and predictions

What could they have done better?

So far nothing comes to mind. Steven has been very helpful and approachable should we have any questions.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I was looking to move my occupational pension to enable me to have more control

How has Steven Rowe helped you?

Understood my requirements and plans, checked my risk appetite and prepared very detailed forecasts and walked me through step by step my options adjusting as and when required. He also gave me sound advise on my pension position in relation to my earnings in that financial year.

Have you seen the outcome you were hoping for?

yes I have access to my details and investments whenever I want via both his company and the investment company.

What could they have done better?

nothing I can think of at the moment.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Advice required for pension and finance for the future

How has Steven Rowe helped you?

Explained and provided excellent financial advice without any pressure - also continual personal support and reassurance with chosen direction

Have you seen the outcome you were hoping for?

Too early in the process

What could they have done better?

all ok

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Due to illness I had to review my retirement options earlier than originally planned. Steve was recommended to by a friend of mine.

How has Steven Rowe helped you?

Steve helped myself and my wife understand what early retirement options we had and to match to our income requirements. We had a full honest Iife plan review and Steve helped us make the right decisions at a very difficult time for us. Steve has become a friend and always explains things in a way that ordinary people can understand.

Have you seen the outcome you were hoping for?

We have been with Steve for 5 years and to date we are very happy with his guidance.

What could they have done better?

I know Steve is working on improvements ,but it would be good to reduce the lag between Lucent's portal and the pension providers to ensure valuations are aligned quicker.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I lost confidence in my previous financial adviser, wasn't happy with the service I was receiving and didn't feel that I was getting value.

How has Steven Rowe helped you?

Steve took the time to fully discuss my financial situation, future plans and goals. He re-assessed and 'tweaked' my investments explaining everything clearly, with great patience and gave me confidence in my ambitions. If ever I need advice or re-assurance he is always available and helpful - nothing appears to be too much trouble.

Have you seen the outcome you were hoping for?

Relatively early days yet but everything appears to be good so far.

What could they have done better?

The online Personal Finance Portal could be better although I do appreciate that it is currently a 'work in progress'

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

To seek professional guidance on planning our long term future including pensions and investments.

How has Steven Rowe helped you?

Steven provided various options to achieve our goals, highlighting the levels of risk. We were then able to make a balanced decision with a clear understanding based on his proposals.

Have you seen the outcome you were hoping for?

Yes, we have so far achieved our objectives and with regular dialogue we can make decisions to tune our future objectives.

What could they have done better?

I can quite honestly say that I cannot find any points to raise on this issue. We have been more than pleased with his professional but friendly and open approach to us.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in Worcestershire

What were the circumstances that caused you to initially look for an adviser?

I didn't have any savings plans.

How has Steven Rowe helped you?

Set up pension, ISA, plus income protection products.

Have you seen the outcome you were hoping for?

100%.

What could they have done better?

None spring to mind

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Retirement.

How has Steven Rowe helped you?

Down to earth,understandable advice and follow through.

Have you seen the outcome you were hoping for?

Early days.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

pending retirement.

How has Steven Rowe helped you?

explained the options and risks of transferring pensions.

Have you seen the outcome you were hoping for?

too early to tell.

Review from verified client

November, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Severance payment and cash requiring investment.

How has Steven Rowe helped you?

Steve is managing all my finances - with no exceptions.

Have you seen the outcome you were hoping for?

Too early to yet provide a view.

What could they have done better?

Maybe explain things in a little more detail to my wife......and remember to take completed forms with you when you leave!! ;) Really pleased with the service so only minor issues.

Review from verified client

November, 2018

Overall

Service

Advice

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Planning for retirement.

How has Steven Rowe helped you?

Steve was instrumental in arranging the transfer of my final salary pension and advising me with regard to investing the capital to provide a monthly income. This enabled me to retire at 57. Steve also advised on my wife’s pensions.

Have you seen the outcome you were hoping for?

So far yes.

What could they have done better?

Steve always finds a clear and concise method of communicating complex financial ideas and strategies.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

I wanted to plan my financial retirement.

How has Steven Rowe helped you?

We discussed options, he provided back up plans for me to review after our meeting, without making any decisions.

Have you seen the outcome you were hoping for?

Yes Steve has provided me with a portfolio of financial products to provide me with more financial security.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Warwickshire

What were the circumstances that caused you to initially look for an adviser?

retirement planning.

How has Steven Rowe helped you?

clearly explaining risks and opportunities , allowing me to reach a decision.

Have you seen the outcome you were hoping for?

yes , advice/recommendations received have allowed me to proceed with a clear plan.

What could they have done better?

the world of finance is complicated and full of acronyms , anything that can be shown graphically makes it easier to under stand

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Was due a pension lump sum and sought advice as to how to invest it.

How has Steven Rowe helped you?

Gave good appropriate advice based on our approach to risk.

Have you seen the outcome you were hoping for?

Over and way above our expectations.

What could they have done better?

Perhaps more than twice yearly reviews, but on a more 'bite-sized' approach i.e. little and more often.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in West Midlands

What were the circumstances that caused you to initially look for an adviser?

Retirement and was looking for good independent pension advise from an expert.

How has Steven Rowe helped you?

He arranged to transfer my pension pot into a drawdown pension and small annuity.

Have you seen the outcome you were hoping for?

Most definitely, advice was sound and at a reasonable cost and my pension pot has grown.

What could they have done better?

Nothing I can think of.

Review from verified client

October, 2018

Overall

Advice

Service

Value

Based in Worcestershire

What were the circumstances that caused you to initially look for an adviser?

I was looking for someone to help me to understand my work pension and how it related to my future and retirement age.

How has Steven Rowe helped you?

Steven was able to put the complicated pension statements I had received into understandable figures and then transfer those figures onto a plan for future retirement.

Have you seen the outcome you were hoping for?

I haven't got there yet but we have a plan that is being followed.

What could they have done better?

I am very happy with Steve's services and would recommend him to friends and colleagues.