Financial planning
Retirement, investments and estate structuring, reviewed properly and often. Our advice is restricted, and we explain exactly what that means before you commit to anything.
Your life’s work, working for you.
Financial planning
Retirement
Investments
Estate structuring
Planning also means deciding what happens if the plan is interrupted. The cover that sits underneath all of this, for you and for the business, is set out on our insurance page.
And there is the time. Every hour spent comparing providers, filling in the same details twice and chasing what should already have happened is an hour not spent on the business that pays for all of it. We take that part.
Two of our calculators are a reasonable place to start. The retirement shortfall calculator shows whether the saving matches the ambition, and the compound interest calculator shows how much of the eventual total is growth rather than what you put in.
Investing can help your money grow over the long term, especially when compared to holding cash. You should keep in mind that investment values can go down as well as up and it’s not guaranteed.
Who this is for
Most of our clients own the thing that pays them.
That changes the arithmetic. Your income is a decision rather than a salary. Your biggest asset is probably not on any statement. The pension conversation is also a corporation tax conversation, and the exit conversation started years before you think it did.
Advice built for someone with a payslip does not transfer cleanly to that. It tends to treat the business as background noise, when in reality it is the centre of the picture and the source of most of the risk.
What we look at
The three questions we keep coming back to.
When can you stop, and on what?
Not a projection with an arbitrary growth rate on it. A number you can interrogate, stress against a bad decade, and adjust as the business changes. Most people are further along than they fear, or further behind than they hope, and either way they would rather know.
Related reading: retirement guides in Learn with Lucro
Is the money working as hard as you are?
Cash sitting in a company account doing nothing has a cost, and so does taking too much risk with money you will need in three years. The job is matching the money to the timeframe it is actually for, then leaving it alone long enough to work.
What happens to it after you?
Estate structuring is the part everybody postpones, usually because it means thinking about dying. Done early it is administrative. Done late it is expensive, and done never it lands on people who are already grieving.
What the work actually involves
A long first conversation. Then modelling, where we stress the picture against the things that genuinely go wrong rather than the things that are easy to chart. Then a recommendation you can follow the reasoning of, rather than a summary you have to trust.
After that, we keep it current. Tax rules change, the business moves and family plans shift, so we review the plan regularly rather than filing it away.
More on how we work is set out on our approach page.
Questions people ask about planning
What does the first meeting cost?
The first meeting is at our cost. It is a conversation about your circumstances and objectives, and we explain our charges in writing before any advice is given.
How much do I need to have before financial planning is worth it?
There is no threshold we apply. What matters more is whether there are decisions to make. Someone with a growing business and no pension often has more to gain than someone with a large portfolio and a settled life, because the decisions ahead of them are bigger.
How are you paid?
By fee, agreed with you in writing before any work starts, and set out in pounds rather than as a percentage you have to translate. You will know exactly what the ongoing relationship costs before you decide whether to have one.
Can you advise on my company pension contributions as well as my personal ones?
Yes, and for most business owners the two cannot sensibly be separated. Employer contributions are a business decision with tax consequences as well as a retirement decision, which is why we would rather have the conversation alongside your accountant than around them.
What happens to my existing pensions and investments?
We review them and quite often leave them where they are. An existing arrangement that is doing its job does not need moving, and we would rather tell you that than manufacture a reason to consolidate. Where something genuinely should move, we explain why and what it costs.
Do I have to commit to an ongoing service?
No. Some people want a one-off piece of work and then to get on with it. Most choose an ongoing relationship because plans drift, but it is a choice rather than a condition, and you can stop it whenever you like.
Is Lucro independent or restricted?
Lucro provides restricted advice. That means we advise on a panel of investment solutions rather than the whole of the market, and we set out exactly which products and providers are in scope at the first meeting, before you pay anything or commit to anything.
Last reviewed 24 August 2026. We review this page at least every twelve months.
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