A light to guide your path on a lifelong journey. That as one we craft.
Welcome to Lucerna Wealth
Lucerna was created with the purpose of illuminating the often daunting and uncertain road towards financial security, or the process of planning for one’s legacy.
Our pledge is to collaborate closely, with our clients to help them attain financial security, grow, preserve and pass on their wealth in the most tax efficient way. Our promise is to not just provide our clients with the necessary tools, but the additional resources, knowledge and ongoing support to help our clients, stay on track toward achieving their financial objectives.
Specifically, our team at Lucerna Wealth will do this, by providing our clients with a range of services, including protection planning, investment planning, retirement planning, estate planning, tax efficiency planning for both business and high net worth individuals.
Who We Support
We provide a holistic tailored range of services, helping you preserve or grow your wealth.
Private Clients
We specialise in meeting the financial needs of people who have created notable capital, or who earn higher incomes.
Private Clients
Managing wealth presents many common challenges. However, at the core of our private client service is an appreciation that many higher net worth clients often have a different set of motivations and ambitions. These can be far-reaching and complex, but always unique to each individual.
We understand that any advice needs to be as individual as you are, designed to fit around your lifestyle, family life, and your business and professional interests. In that way, we can help you shape your future plans, and hope to build a lasting relationship with you.
As a private client, your key relationship remains with us, but you also have exclusive access to a specialist St. James’s Place advice and servicing team, which brings together highly experienced financial planners, investment and retirement planning specialists, banking advisers*, and experts in tax planning and legal matters*. They work with us to provide an exceptional, high-quality service, where your priorities become our priorities.
We want to help you build and maintain strong financial foundations: for your future and for your loved ones.
*Please note these services are separate and distinct to those offered by St. James’s Place.
Long Term Care (LTC) advice may involve a referral to Karehero (previously Care Sourcer), a comparison and care matching provider, whose services are separate and distinct to those offered by St. James’s Place.
Download our guide on how to reduce inheritance tax
Business Owners
Business Owners
When you’re running a business, there just aren’t enough hours in the day. You’ve put time, effort and money into the company. Not surprisingly, the more it succeeds, the more complex financial management becomes. And while you’re busy running the company, your own personal financial management may not get the attention it deserves.
We specialise in advice and guidance for both your business and your personal finances.
We will work closely with your existing professional advisers, helping you make the most of your business assets, and your personal assets. We look at your financial landscape as a whole and create personal and business financial plans that will help you achieve your future goals.
It’s what we’re all in business for, after all.
Download our brochure
Retirement Planning
Retirement Planning
You may be on the brink of retirement or already well into the next chapter of your life. But regardless of where you are in life, knowing how to make the best financial plans for your future or preparing the ground for the next generation is hugely important.
Financial planning can be a minefield and difficult to manage on your own. Many of the external factors, such as inflation and taxation are out of your control but there is a surprising amount that can be done to make improvements to your personal arrangements and ultimately meet your financial objectives.
This can be achieved particularly by maximising the tax planning opportunities available to you and your potential heirs.
Here are some of the most commonly asked questions by our clients, which may in turn relate to your own circumstances:
- What can I do to safeguard against inflation?
- My level of income is no longer reliable or indeed consistent. What can be done to provide a consistent and tax efficient income?
- Knowing who to invest with and when, seems like a lottery. How can you reduce the risk of poor investment performance?
- I have several different pensions but don’t know if I should buy an annuity or take income drawdown?
- I have surplus capital that I may need in the event of long term care? What should I do if I want to minimise Inheritance Tax at the same time?
- I want to gift money to the grandchildren each year for their future education but they are too young to have investments in their own name. What should I do?
- I am in poor health and may not survive the next seven years. What alternative is there to gifting?
We can help and advice on all of the above subject matters and areas of financial planning.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you initially invested.
Equities do not have the security of capital which is characteristic of a deposit with a bank or building society.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
Download our guide on how to retire at 55
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