Inheritance Tax affects more families than ever — yet too many leave it to chance.

In this episode, we explore the key tools for effective estate planning, including gifting, trusts, and life cover.

Whether you want to support your children, give to charity, or simply keep more of your wealth in the family, this is a conversation worth having.

Pensions might not sound thrilling, but this episode of Juggling Mind and Money proves otherwise. Lucent Financial Planning’s very own Luke James steps in alongside host Steve Row—and brings a healthy dose of enthusiasm, insight, and dinosaur-themed sock humour to the mic.

They unravel the mystery of pensions—from the flexibility of Defined Contribution schemes to the predictability of Defined Benefit plans—breaking down the jargon and mental barriers that often stop people from engaging with their financial future. You’ll also learn why pensions are a powerful tool for business owners, how tax relief turns savings into “free money”, and why relying on property alone might be a retirement plan built on sand (or bricks you can’t eat).

Plus: socks, legacy planning, and how Luke used a financial plan to retire his dad. Yes, really.

Don’t miss this sharp, down-to-earth chat packed with smart insights and a touch of playful raptor energy.

In this heartfelt episode, Steve Row is joined by Teresa Meredith – a long-time client of Lucent Financial Planning – who steps in as guest co-host.

Theresa shares the story of how she and her husband Phil made the leap into early retirement, the challenges they faced along the way, and how having the right support made all the difference.

From their first nervous meeting to navigating personal loss, serious illness, and big life transitions, their journey highlights the real impact of thoughtful financial planning – and the value of simply being listened to.

This conversation offers a genuine look at the human side of retirement, community, and what it means to feel secure through life’s ups and downs.