Lumin provides personable financial advice and investment management services. With a fully dedicated team of Financial Consultants and Paraplanners, over 4,000+ families trust us with their wealth management needs and we currently manage £1.6billion+ in client assets.
Through 1:1 consultations, Lumin’s financial plans are geared toward growing and protecting wealth by optimising our clients’ income, assets, tax burden and financial security.
We are a Chartered firm and have been consistently ranked among the top advisers in the UK according to the FT Adviser’s and Citywire's New Model Adviser’s top 100 financial advice firm rankings.
We are part of VZ Group, the leading independent financial services provider in Switzerland which employs around 1,700 people. The collaboration has cemented our core values of providing transparent, straightforward advice delivered by highly qualified professionals.
Inheritance Tax can be one of the biggest financial considerations when planning for the future. But how does Inheritance Tax actually work, how much could you have to pay, and what can you do to reduce your potential liability?
In this episode of Financial Illumination, Alan Pereira and Harvey Armstrong explain Inheritance Tax in simple terms, including how estates are valued, the nil rate band, residence nil rate band, spousal exemptions and the 7-year gifting rule.
They also explore Inheritance Tax planning strategies including gifting, life insurance, trusts and Business Relief, before working through a real-life-style case study to show how an Inheritance Tax bill can be calculated.
The episode also looks at the upcoming April 2027 changes to pensions and Inheritance Tax, and why this could have a significant impact on retirement and estate planning.
In this episode:
How Inheritance Tax works
The current Inheritance Tax allowances
Nil rate band and residence nil rate band explained
How married couples can use transferable allowances
The 7-year gifting rule
Ways to reduce or plan for Inheritance Tax
Life insurance and trusts
Business Relief
How pensions could be affected from April 2027
A worked Inheritance Tax case study
Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.
Lumin is authorised and regulated by the Financial Conduct Authority.
Like and subscribe to the channel so you don’t miss any future episodes!
Powered by Lumin Wealth:
https://luminwealth.co.uk/
#ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination
22 Sept 2026
Financial Planning: Are Your Investments Actually Working for You? | Lumin Wealth
Having investments and pensions is one thing but do you have a clear financial plan for what they’re actually going to achieve?
In this episode of Financial Illumination, Jack Dudley and James Corcoran from Lumin Wealth explore the importance of having a structured financial plan, rather than simply letting investments and pensions build up in the background.
The episode covers:
Why having a financial plan can give your money greater direction
The difference between simply having investments and having a financial plan
How cash flow modelling can help you plan for retirement
Common pension and investment mistakes
The risks of holding too much cash
Pension lifestyle strategies and the potential impact on investment growth
How to think about tax-efficient retirement income
Why starting financial planning earlier can make a difference
How financial planning can help you make more confident decisions about your money
Whether you’re approaching retirement, building your wealth or simply wondering whether your current investments are working towards your long-term goals, this episode offers useful insights into creating a more intentional financial plan.
Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.
Lumin is authorised and regulated by the Financial Conduct Authority.
Like and subscribe to the channel so you don’t miss any future episodes!
Powered by Lumin Wealth:
https://luminwealth.co.uk/
#ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination
8 Sept 2026
How Much Money Do I Need to Retire? Retirement Planning & Pensions | Lumin Wealth
How much money do you really need to retire? Is there a magic retirement number, or does it depend on your lifestyle, spending and financial circumstances?
In this episode of the Financial Illumination podcast, brought to you by Lumin Wealth, Harvey Armstrong and Alan Pereira explore how to work out how much you need for retirement and how to build a sustainable retirement plan.
They discuss retirement planning, pension savings, the State Pension, inflation, budgeting, Defined Benefit pensions, ISAs, cash savings and investment income, as well as how to plan for the years between retiring and receiving the State Pension.
The conversation covers how to:
- Work out your expected spending in retirement
- Separate essential, discretionary and one-off expenses
- Understand how inflation could affect your retirement income
- Combine pensions and other assets to fund your lifestyle
- Plan for early or partial retirement
- Use cash flow forecasting to visualise your long-term financial plan
- Consider downsizing and future property equity
- Make the most of different income sources and tax allowances
The key message? Retirement isn't a magic number or a specific age. It's about having enough assets and income to support the lifestyle you want for the rest of your life.
Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.
Lumin is authorised and regulated by the Financial Conduct Authority.
Like and subscribe to the channel so you don’t miss any future episodes!
Powered by Lumin Wealth:
https://luminwealth.co.uk/
#ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination
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