Retirees & retirement planning
Approach retirement with confidence: income, insurance, assets and succession.
Request adviceRetirement is prepared in advance, and managed once it has begun.
The years before retirement are decisive: annuity or lump sum, pension buy-ins, staggered 3rd-pillar withdrawals, adapting insurance. We put these elements in perspective with your situation and goals.
A reading of your 1st, 2nd and 3rd pillars to estimate retirement income and the gaps.
Factors to weigh: taxation, needs, longevity, spouse protection.
Plan the withdrawal of 3rd-pillar and pension assets over time.
Contents, liability, legal protection, health: what changes and what can be lightened.
Keeping your home, mortgage in retirement, sale or transfer.
Protect your spouse and prepare succession in coordination with your advisers.
To anticipate 3 to 5 years before retirement
- obtain your pension certificates and state-pension account statements
- choose between annuity, capital or a combination
- plan any buy-ins and staggered withdrawals
- review your insurance cover
- examine your mortgage situation
- clarify spouse protection
How we work
- ReviewPension documents, assets, expenses, projects.
- ScenariosComparison of several withdrawal and income scenarios.
- DecisionsInformed choices, in coordination with your accountant, notary and tax adviser.
- Follow-upAdjustments after retirement as your needs change.
Your questions, our answers.
Should I choose the annuity or the lump sum?
There is no universal answer: it depends on taxation, your needs, your health, spouse protection and your assets. We present the scenarios so you can decide knowingly.
Do you replace my tax adviser or notary?
No. We coordinate insurance, pension and financing aspects with your other advisers.
A peaceful retirement starts with a good plan.
Let’s review your income and your options.