Our Financial Consultants / Paraplanners
Marcia Silva
Financial Consultant
Marcia has over 15 years of experience advising clients within the financial services industry. She joined Lumin in 2025 and has held the Level 4 Diploma in Financial Planning since 2012. Marcia is committed to delivering truly holistic financial advice, taking the time to understand each client’s circumstances, goals, and concerns. She is passionate about providing exceptional client service across a wide range of areas, including pensions, investments, protection, and inheritance tax planning.
Qualifications
Economics (BSc), University of Porto, DipPFS, Cert CII (MP)
Insights by Marcia Silva
Turn the new tax year into significantly extra income
A new tax year is not just a date on the calendar – it is an optimal chance to earn, save and protect more of your money. Cut your 2026/27 tax bill with these core financial planning considerations.
Beyond ESG or green labels: The opportunities, limitations and trade-offs
There are widespread claims that ESG investing positively impacts the climate and society – as well as delivers better returns compared with traditional approaches. But do these claims hold up under scrutiny? Professor Alex Edmans reveals where the reality diverges from the rhetoric.
