Comprehensive financial planning
Your financial life is a puzzle – we help you solve it
Managing wealth isn’t one-size-fits-all. Your financial life is made up of many moving parts – pensions, savings, investments, tax strategies, retirement and estate planning, and protection for your family and business.
At Lumin, we take a holistic approach to financial planning, aligning every aspect of your financial world into one tailored, strategic plan. By bringing clarity to complexity, we help you make the right decisions, in the right order – so you can move forward with confidence and build a future that fits.
“It’s not about how much wealth you have. It’s about how all the moving parts work together.”
Joe Fisher
Chartered Financial Planning Manager
We connect the dots across all areas of your financial plan
We do this by taking the the time to understand every aspect of your financial life – your goals, obligations, assets, and priorities.
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Key considerations
How do I balance my competing goals?Do you want to pass on a legacy and secure your family’s financial future? How can you protect your assets whilst providing for a comfortable retirement?
Do you have a clear investment strategy for your pensions and savings? Could you afford to retire early and comfortably?
A Lumin expert can help you to address all of these questions, prioritise them, and find the right balance to achieve your goals.
A joined-up plan
Can your pension help you save on IHT?Are you using your pension to fund retirement? Or should you use other savings first? How does it impact your inheritance tax (IHT) position? Will your pension benefits pass tax-free to your loved ones? Can you afford to give money away?
Pensions sit outside your estate, so can be passed on free from IHT. Large pension pots may be subject to extra tax charges if they are over the pension lifetime allowance. A robust financial plan can give you the confidence to navigate the best route to achieve your objectives.
Secure retirement
How long will your money last?How much income can you afford to spend in retirement? Will inflation eat into your standard of living over time? How should your pension assets be invested? Should you consider a guaranteed lifetime income?
A detailed plan will map out your financial journey. This gives you insight into your retirement income and expenditure, and peace of mind that they can be balanced throughout retirement.
Tax planning
Can you reduce your tax bill?HMRC provide a range of generous tax breaks, but the rules can be confusing. Are you making the most of them?
Tax planning considerations include:
- Maximising your pension contributions
- Tax-free ISA investments
- Reducing Income Tax and Capital Gains Tax
- Reviewing all available tax allowances each year
- Providing a tax-efficient retirement income
- Early estate planning to mitigate IHT
Collectively these tax savings can be very substantial, especially over a decade or two. Get in touch with the Lumin experts to see how tax savings can boost your income, retirement pot, or legacy.
Pensions
Will my pension pot fall into the IHT net?From 6 April 2027 the rules change: most unused pension funds and lump-sum death benefits will be treated as part of your estate for Inheritance Tax (IHT) purposes. As a result, if your total estate, including any pension pot that hadn’t been drawn down, exceeds the IHT threshold (currently £325,000, or higher with the residence nil-rate band), IHT could become payable. Note that some exceptions remain. For example, “death-in-service” lump sums from a registered pension scheme are excluded from IHT under these new rules. Because of this change, pensions may now fall into the IHT net for many individuals who previously assumed they were exempt, so it’s wise to review estate plans and beneficiary nominations accordingly.
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Our expertise
Retirement planning
Through cash flow planning, we help you map out your retirement journey, so that you can enjoy your desired lifestyle and adapt confidently to life’s changing needs.
IHT strategies
Our tailored IHT solutions help minimise tax liabilities and preserve your wealth for future generations through effective structuring, gifting, and estate planning aligned with your family and legacy goals.
Tax-efficient wealth management
We manage your finances with a focus on tax efficiency, making full use of allowances such as ISAs and pensions to enhance returns while aligning with your goals and financial circumstances.
Protection advice
We provide expert guidance on safeguarding your finances with life, critical illness, and income protection – ensuring your family and assets remain secure, whatever the future brings.
Mortgage broking
We help you secure the most suitable lending solution. Our experts source competitive rates and structures, supporting property purchases, remortgages, and complex financial arrangements.
How we can support you
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Cash Flow
Plan
How effectively is your cash flow supporting your financial goals? Our experts uncover opportunities to strengthen your financial position.
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Lumin news
This free publication is distributed to thousands of households three times a year. Serving as your go-to resource, it offers expert insights on the financial planning questions that matter most.
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Our advisers can help you…
- Clarify your goals – turning big ambitions into clear, actionable financial priorities.
- Build a joined-up strategy – aligning investments, pensions, tax, and protection into one cohesive plan.
- Plan for life’s transitions – from retirement to inheritance, business exits, or funding education.
- Protect what matters most – with the right cover for your family, income, and long-term security.
- Stay on track – adapting your plan as life evolves, markets shift, and new opportunities arise.
