With over three decades of experience as a Chartered Financial & Planner and Independent Financial Adviser, I’ve dedicated my career to helping clients achieve their financial and lifestyle goals. I pride myself on guiding individuals towards financial freedom and a purposeful life in retirement.

Authorship: I penned the popular financial planning book, ‘One Day is Now’, leveraging my expertise to distil complex financial concepts into actionable strategies for readers.

Client-Centric Approach: I believe in a holistic approach beyond numbers. I engage clients in a collaborative journey, mapping their goals, crafting financial plans, designing tax efficient investment strategies, and implementing estate planning.

Mission: My commitment is to ensure my clients never run short of financial resources. I specialise in minimising inheritance tax, protecting estates from threats like divorce and care fees, and nurturing long-term financial security.

Well-being: I care about the well-being of my clients. I encourage them to relish the fruits of their labour, recommending a balanced approach of enjoyment of wealth alongside prudent investment.

Referrals and Testimonials: I am grateful for the trust and appreciation of my clients, many of whom have graciously referred me based on my expertise, integrity, and empathetic approach.

Born and schooled in Birmingham, Edward joined the financial services industry in 1983 with The Prudential, becoming their youngest qualified representative two years later at the age of 19.

Edward is a general practitioner qualified to Chartered level, specialising in the fields of pensions, equity release, long term care, taxation and trusts. He also specialises in the provision of ongoing advice to the retired and elderly; having completed an accredited program with The Later Life Academy and consequently works with a large number of legal firms across the West Midlands.

With over 25 years of expertise in law and financial planning, Heritage Estate Planning offers friendly, professional advice that provides complete assurance and peace of mind.

Lucent Financial Planning are ‘Inspiring Advisers Lifestyle Financial Planner of the Year 2023’

We believe that money is a means to an end, not an end in itself. That’s why we help you use your money to enhance your lifestyle options and make your later years as comfortable as possible. We know that you care about your loved ones and want to leave them a legacy, but we also know that they care about you and want you to enjoy your life. That’s why we help you balance these objectives, so that you can receive the best care and comfort, while also knowing how much your children may inherit from you.

We are able to help with managing care costs and structuring pensions, investments and savings to give the most tax efficient returns to achieve the above.