Lucent Wealth Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$97,252,710
Clients
41
71% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
41
HighAverage account size
$2,372,017
About
Lucent Wealth Planning provides wealth management, discretionary investment management, financial planning and consulting for individuals, high‑net‑worth clients, trusts, estates and charitable organizations. The firm prepares written investment policy statements, monitors portfolios on an ongoing basis, and implements strategies using mutual funds, ETFs, individual securities and third‑party managers.
The firm’s investment approach is grounded in Modern Portfolio Theory and a long‑term, buy‑and‑hold orientation that emphasizes asset allocation, diversification and low‑turnover, passively oriented funds—notably Dimensional Fund Advisors’ mutual funds—and uses tools such as Monte Carlo simulation for planning and asset‑allocation analysis. For fixed income, LWP commonly delegates management to a third‑party fixed income manager and may retain legacy individual securities for tax or personal reasons.
The brochure discloses practices that are less common among peers: LWP may employ short‑term margin borrowings and invest clients in alternative funds or instruments that utilize derivatives (options, futures, short sales), each of which introduces additional leverage and liquidity risks. Operationally, the firm relies on a formal back‑office and sub‑advisory relationship with Focus Partners for fixed income management, trade processing and succession planning, a structural arrangement highlighted in the disclosure.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Passive / index investing
Tax-loss harvesting
College savings (529s, UTMA, etc.)
Fee options
Financial planning fixed fees typically range from $2,000 to $6,000.
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.70% $2,000,001 - $3,000,000: 0.50% $3,000,001 - $5,000,000: 0.40% $5,000,001+: 0.35%
Consulting fees range from $350 to $450 per hour.
Account minimum: $3,000,000 Minimum fee: Minimum annual fee of $22,000 generally required. Fee-only: Financial planning fixed fees ranging from $2,000 to $6,000, consulting fees $350 to $450 per hour.
Main office location
Lucent Wealth Planning, LLC
2920 De La Vina Street
Santa Barbara CA 93105, United States
Number of offices
1
Most active in
Lucent Wealth Planning, LLC has reported serving >5 clients in these states in the last 12 months.
California · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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