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Lumen Financial Planning: about lumen

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 Who Lumen Work Best With
 How Lumen Can Add Value To You
 Lumen's Process
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Lumen's Process

To help you fulfil your goals it is essential that we understand where you are in life and how you got there, and what your goals are in the future and what you are prepared to do to fulfil them.

Our process therefore involves a lot of input from you, with much time spent on discovering where you are and your goals for the future, and on discussion of the appropriate financial strategy that will meet your requirements and with which you are comfortable.

  • Upon initial contact we will speak on the telephone to gauge in general terms what you require and to initially ascertain whether our service can add value to you. If we believe that we can add value to you we will arrange to meet at a mutually convenient time and place.
  • Before that meeting Lumen will forward you a pack introducing ourselves and outlining the information that you should bring to our first meeting. This will speed up the process.
  • Our first meeting is an opportunity for us both to see if we can work together and to confirm if Lumen can add value to you and your situation. An overview will be provided of Lumen, however the majority of the time will be spent on discovering your current circumstances and the goals you would like to fulfil. We will confirm our fees during this meeting.
  • After this meeting we will write to you to reconfirm our fees and to provide an outline of what we have agreed that Lumen will carry out. An invoice will be enclosed at this point for the work that is to be undertaken.
  • Lumen will request and analyse information from the providers of your current financial planning contracts and use these and the information from our meeting to compile a strategic financial report. This report will deal with the following;
    - It will set out where you currently are in relation to fulfilling your goals and if there is any shortfall in your current planning.
    - It will highlight the areas that need attention and set out the steps you should take to ensure that your goals are met.
    - This may include different strategies for different goals that you may have, whether it is creating wealth, preserving wealth or providing protection against illness or death.
  • We will arrange to meet to discuss this report and make any changes required. A final report will then be issued.
  • Once you are happy with our recommendations and wish to proceed we will meet to implement these.
  • A key part of the process is meeting to review and monitor your financial plan in light of your changing circumstances, changing legislation and the investment return achieved, where applicable. During the process we can discuss and agree the frequency of our review and monitoring meetings.
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Lumen Financial Planning Ltd is authorised and regulated by the Financial Services Authority.
Registered in Northern Ireland Company No. NI069030.