About Lucid Tract
Independent pension advice built on clarity, not commissions
Why we exist
The UK pension system is deliberately complex. Multiple providers, changing regulations, opaque fees, and conflicting advice from people with vested interests.
We started Lucid Tract because we kept seeing the same pattern: intelligent, successful people completely lost when it came to their own retirement planning.
Not because they weren't capable. Because the system is designed to be confusing.
How we work
We're fee-only advisers. You pay us directly for our work, which means we have no incentive to recommend products that pay us commissions.
When we suggest consolidating pensions, it's because it makes financial sense for you - not because we're getting a kickback from the new provider.
This matters more than most people realize. Commission-based advice is legal, common, and frequently terrible.
Our process
Every client starts with a comprehensive review. We gather all your existing pension information, current income, expected retirement age, and lifestyle goals.
Then we model scenarios. Not just one optimistic projection, but multiple paths based on different market conditions, retirement ages, and spending patterns.
You'll see probability ranges, not guarantees. If there's a 30% chance you'll run out of money at 85, you need to know that.
Who we work with
Most of our clients are between 45 and 65. They're earning well but realize they haven't given retirement the attention it deserves.
Some have substantial pension pots but no real strategy. Others have scattered pensions across multiple jobs and don't know what they add up to.
We also work with people approaching retirement who need help with drawdown strategies, tax optimization, and making their money last.
What makes us different
We don't sell investment products. We don't manage funds. We don't get referral fees from providers.
Our only revenue comes from fees you pay us for advice. This alignment matters because retirement planning is full of conflicts of interest.
The adviser who profits from moving your money has different incentives than one who simply charges for their time and expertise.
Our qualifications
All our advisers hold the Diploma in Regulated Financial Planning and are registered with the Financial Conduct Authority.
Several team members hold additional qualifications in pension transfer analysis, particularly for defined benefit schemes where the stakes are highest.
We maintain professional indemnity insurance well above regulatory minimums because pension advice carries real consequences.
What we don't do
We don't chase performance. Markets move, and anyone promising consistent above-market returns is either lying or deluded.
We don't overcomplicate. If a simple solution works, we recommend it. Complexity is expensive and often counterproductive.
We don't ignore taxes. A pension strategy that doesn't account for tax efficiency is like planning a route without checking for toll roads.
Client relationships
Most of our clients stay with us for years, often decades. Not because we lock them into contracts, but because retirement planning isn't a one-time event.
Your circumstances change. Regulations change. Market conditions change. We provide ongoing reviews to adapt your strategy accordingly.
Some clients meet with us quarterly. Others prefer annual check-ins. The frequency matters less than the continuity.
Our promise
We'll tell you what we actually think, even when it's uncomfortable. If your pension contributions are too low, we'll say so. If your retirement timeline is unrealistic, you need to know.
We'll show you the numbers clearly. No jargon, no obfuscation, no hiding behind complexity.
And if we can't help you, we'll tell you that too. Not every situation requires professional advice, and we won't pretend otherwise.
Ready to start planning?
Book a free initial consultation. We'll review your current situation and give you honest feedback on where you stand.
Book Your Free Consultation