Preservation, legacy and later life planning
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Planning Ahead for Every Stage of Life
Perhaps you’re in your 30’s – busy dealing with your kids. Or maybe your older and climbing up the career ladder. In short, whatever stage of life you’re at, it’s wise to plan ahead. As you get older your priorities change, but it’s important to adapt and stay on the right financial track. This track could involve preserving your wealth, setting up a legacy for your family and making sure you have the financial support for your retirement. Let’s look into that.
Preserving and Protecting Your Wealth
Wealth preservation involves techniques designed to protect the value of your assets, while minimising risks. The aim is to maintain the purchasing power of your wealth over the long term. A good way to start is cash flow modelling - projecting your future income, expenditure, assets, and liabilities over time. This process creates a picture of your financial future. You can then apply drawdown and retirement strategies, for example, diversifying your portfolio. One other helpful strategy is taking out insurance to protect your wealth. It may prove crucial if you fall ill or require long-term care. About to hit pension age? You may be interested in income drawdown where you take some money out of your pension, but leave the rest invested.
Planning Your Legacy and Wealth Transfer
Passing on your legacy to your family requires careful intergenerational financial planning. To avoid or minimise UK inheritance tax (IHT), you can use gifting strategies. This involves giving away up to £3,000 worth of gifts each tax year without them being added to the value of your estate. This is known as your ‘annual exemption’. You can also give as many gifts of up to £250 per person (small gift exemption) as you want each tax year. However, gifting isn’t the only way of protecting wealth for your family in England. At Narrative, our London adviser can guide you through all the options available to secure your family’s future.
Preparing for Later Life and Care Needs
As you get older, the risk of illness or injury increases. With this in mind, it’s wise to think now about later-life financial planning. You may need long-term care and estate planning one day, so it pays to get in touch with an expert who can help you with inheritance and legacy advice. It’s peace of mind for you – and your family, too.
What we offer
Mortgages and property planning
Thinking about buying a home or including property in your portfolio? It’s an attractive option, offering value that generally increases over time. There’s also the fact that you get a physical asset; one you can see and feel. Buying a home in England can therefore be an emotional decision as well as a financial one. However, it pays to keep a cool head. With property, there’s a lack of liquidity, high initial costs and the threat of market fluctuations. If you’re keen to take the plunge, you’ll need mortgage and financial advice.
Retirement planning
Whatever stage of life you’re at, one day you’ll retire. Have you planned for life after work? If not, it could spell trouble. To secure the lifestyle you want, you need to start preparing for retirement in England. It’s important for you, and of course, your family. So, how will you cope when you say goodbye to work? If the answer’s “I’m not sure”, it’s time to start thinking ahead.
Building and protecting wealth
When someone mentions investment it’s natural to imagine growth, but investment also means protecting the wealth you’ve worked to build up. The trick is to strike a balance between the two and ensure that your funds remain secure if you want to pass them onto future generations. While growth strategies may be alluring, the key is to safeguard against volatile markets and make future needs the priority, especially in London’s ever-changing financial landscape.
Inheritance tax planning
Do you want your legacy to get passed on to your family? If so, you need to think carefully about how you will achieve this. Otherwise, you risk the taxman taking a big slice of the assets meant for your loved ones. The good news is that there are measures you can take to manage the risk through intergenerational wealth planning. It’s all about passing on wealth efficiently and reducing UK inheritance tax. But first: what is inheritance tax planning?
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Testimonials
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I had the pleasure of working with Claudia recently, I was recommended Claudia by a family member so contacted her.
I wanted to sort out my pension, I had been with the same provider for many years and did not feel this suited my long term needs anymore. I wanted a more tax efficient way of utilising my pension.
After an initial chat, I felt so confident in her ability to help me with my financial affairs.
We corresponded over the next few weeks, Claudia was professional, friendly and thorough in her communications and advice to me.
We agreed which changes to my pension would benefit me, both long and short term. She took care of everything, keeping me informed and updated throughout the process.
Claudia has made me feel more confident and secure in my future financial affairs and we have agreed to review my finances on a regular basis, ensuring my investments are as efficient as possible.
I would recommend Claudia to anyone who has not reviewed their pension in a while, or who wants to look at tax efficiency in their pension, investments and financial affairs.
JC
Working with Claudia has been a genuinely transformative experience for our financial future. From the very beginning, she took the time to understand our goals, our family circumstances and our appetite for moderate risk, given that as a couple we have a slightly different risk appetite. Her guidance was instrumental in helping us make informed decisions about our pensions, inheritance tax planning and investments , not just for the short term but with a clear view toward the medium and long term.
One of the most valuable outcomes of our work together was Claudia’s support in selecting the right fund manager and crafting a combination of funds and investment vehicles that perfectly aligned with our investment horizon and comfort level. It wasn’t just about numbers—it was about feeling confident that our financial strategy reflects who we are and what we want for our family.
What we appreciated most was Claudia’s clarity, patience, and genuine care. She made complex topics feel approachable and always ensured we felt in control of the decisions we were making. Her advice was never one-size-fits-all—it was thoughtful, tailored, and forward-looking.
We now feel far more secure about our financial future and are grateful for the peace of mind her expertise has provided. We would wholeheartedly recommend Claudia to anyone seeking financial advice—especially those navigating retirement planning, estate considerations, or investment choices with family in mind. Her insight and personal approach make all the difference.
A.K & M.K
Claudia has been brilliant in helping us with our financial planning. We didn't really know what we needed (apart from some sort of help!) and she really took the time to understand both our family goals and our personal goals, as well as what matters to us, what concerns us, and how this all interacts with our finances and our actual life.
She handled a couple of remortgages for us effectively and sensitively, making sure that we got the products that best fit within our wider financial picture. But it was really the advice that Claudia's provided around these that's been so impactful for us. Everything has been clear, considered, and completely trustworthy, and we will absolutely be continuing to use her and recommending her to anyone we know!
DT & LT
Working with Claudia has been a pleasure! I've had the opportunity to refer several of my accounting clients to her for financial planning advice.
The feedback I've received from them has been consistently positive, highlighting Claudia's competence, diligence, and the value she brings to her clients. I would not hesitate to recommend Claudia to anyone seeking a trustworthy and knowledgeable financial advisor.
M. N
Claudia has been absolutely amazing. Before I didn't know much about pensions, I didn't have a clue to be honest. After becoming a full time sole trader, I knew I needed help sorting out a private SIPP as I've contributed to my work based pension for years beforehand. I'm happy knowing my money is safe but also growing for my future.
Recently after getting a good financial base started, she's now started helping me maximise my savings as being a high rate tax payer, I wanted to protect any interest from falling into over into taxable interest as much as I can. Would highly recommend, she's lovely, super friendly and always there to help.
L. C
I cannot recommend Claudia Button highly enough. From our first meeting, she took the time to really listen and understand my personal circumstances, goals, and concerns with no pressure At All to move my portfolio over to her.
She has guided me through important decisions pertinent to me with patience and professionalism and she explains financial matters in a clear and approachable way never making me fee overwhelmed or embarrassed to ask for more details.
I do feel comfortable that my financial future is in safe hands and that I have her support. If I am concerned about anything or have a general question re finances she gets back to me quickly. For someone looking for a knowledgeable, approachable, and trustworthy advisor I would wholeheartedly recommend Claudia.
V.R
We’ve been with Claudia for many years, and honestly, we couldn’t have asked for better support. She’s been there for us every step of the way, from helping us with savings and pensions to now guiding us into our retirement planning. What we’ve really appreciated is how approachable she is.
No matter what questions we have, Claudia is always ready to explain, reassure, and, if needed, go the extra mile to sort things out. It’s made a huge difference knowing we’ve had someone so professional and caring looking after us. We’d happily recommend her to anyone in need of financial guidance.