Wealth Management & Asset Protection
Your wealth is the expression of your life's work. We structure it so that it makes a difference: for you, your family and your values.
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Income Strategy & Retirement Planning
The core of retirement planning: securing your standard of living to the very end. What does your standard of living cost? Where will your income come from in retirement? How large is the gap, in amount and in duration, and how do we close it?
A secure income is the foundation of financial self-determination. Together we plan how you can generate stable, tax-efficient income from different sources in every stage of life, even as life expectancy rises.
- Pension solutionsStatutory, occupational and private. A pension is cover against a specific risk: outliving your money.
- Property incomeUsing, selling or releasing equity from your property as a source of income.
- InvestmentsDiversification, income strategy and the right order of withdrawals.
- TaxIncome after tax, allowances, the order in which you draw on your savings, tax-efficient conversion into income.
- Life expectancy & inflationThe unknown end date and 2–3 per cent inflation over decades: the two biggest unknowns.
The retirement balance sheet
We record your income before and during retirement, your spending split into basics, comfort and luxury, your existing entitlements and your wealth. This shows the gap. As a rule of thumb, you need 300,000 to 600,000 euros of wealth for every 1,000 euros of monthly pension, depending on life expectancy, returns and inflation.
Life expectancy: the last cheque should bounce
Nobody knows the most important end date in financial planning. We work with your realistic life expectancy, and with the aim of gaining more healthy years. Longevity changes everything: retirement, long-term care and inheritance all shift by years.
Understanding inflation
Rising living costs are one of the main worries. We show you your personal inflation rate, how it changes with age and with your wealth, and how your income strategy responds to it.
Frequently asked questions
Is an annuity a good investment?
Annuities are not investment products. They are cover against a specific risk: living longer than your money lasts. Whether they make sense for you, and to what extent, follows from your income strategy.
When should I start retirement planning?
Your mid-forties are a good time to start: there is still time to close the “final gap” and build tax-efficient structures. But an overview is worthwhile at 65, too.
Related topics
Home & Living
Your home is quality of life, and often your largest asset. We show you how your property fits into your financial and emotional future.
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