Creative Professionals
Financial planning for careers that don't follow a script.
Whether you're an actor, musician, presenter, performer, dancer or entertainer, your career probably doesn't come with a predictable salary - and that's exactly why specialist financial planning matters.
At Luma, we provide financial advice for actors, entertainers and creative professionals, helping people with irregular income build long-term financial security. From managing contracts and royalties to investing tax-efficiently and planning for retirement, we'll help you create a financial plan that works around your career, not the other way around.
Why do actors and entertainers need financial advice?
Working in the creative industries often means navigating freelance contracts, unpredictable income and periods between projects.
Traditional financial planning assumes a regular monthly salary, but that's rarely the reality for performers, musicians and self-employed creatives.
Whether you're receiving performance fees, royalties, touring income or freelance earnings, we'll help you build a strategy that gives you confidence through both busy periods and quieter seasons.
As experienced advisers, we provide financial planning for performers, musicians, freelancers and entertainers, helping you make informed decisions today while protecting your future.
Helping you plan for what’s next
Some of the ways we support actors and entertainers include:
Managing irregular income
Create a financial plan that smooths fluctuating income and helps you stay financially confident between contracts and projects.
Building long-term wealth
Turn successful years into lasting financial security through disciplined investing and regular financial planning.
Pension advice for self-employed creatives
If you're self-employed or freelance, you may not have access to a workplace pension. We'll help you build a retirement strategy that's flexible, tax-efficient and designed around your career.
Tax-efficient investing
Make the most of ISAs, pensions and available tax allowances so more of your money stays working towards your future.
Planning around royalties and future income
Royalties, repeat fees and residual income can be valuable assets. We'll help you incorporate them into a long-term financial plan that supports your wider goals.
Protecting your career
Your ability to earn is one of your greatest assets. We'll help you explore protection options that provide financial security if illness or injury interrupts your work.
Build your Financial Blueprint
We map your income, savings, assets and goals year-by-year to give you a clear visual of your financial future.
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 invested.
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.
Financial planning that adapts to your creative career
Creative careers rarely follow a straight line.
New opportunities, changing income, freelance work, touring schedules and career breaks all require a financial plan that's flexible enough to adapt.
Our role is to help you make confident financial decisions, whatever stage you're at, so you can focus on your career knowing your finances are working just as hard behind the scenes.
Sally Johns
Our Creative Expert
"Sally Johns always gives excellent advice, can't praise the team at Luma enough."
Why Luma?
Specialists in irregular income
We understand that actors, entertainers and freelancers don't receive a predictable monthly salary. That's why every financial plan we create is built around flexibility.
Making complex finances simple
From investments and pensions to tax-efficient planning, we explain everything clearly, helping you make confident decisions without the jargon.
Building wealth beyond the next contract
We'll help you make the most of peak earning years while preparing for quieter periods, turning creative success into long-term financial security.
A trusted financial partner
Whether you're just starting out, enjoying career success or planning life beyond performing, we'll provide ongoing financial advice tailored to your goals and ambitions.
Meet our people
Meet our people
Our clients are real people, and so are we. Scroll through our team to meet the people who can build your financial plan. Not sure who might fit your requirements? Get in touch
