The 360° framework
Retire
Plan today for work to become optional. Retirement is not really about reaching a certain age; it is reaching the point where work becomes a choice. Where will you call home when that day arrives?
From ‘someday’ to a plan
How much will you need? Where will it come from? How long must it last? What could derail the plan? A useful retirement plan answers all four.
For internationally mobile clients, where you will live and spend also shapes the currencies, accounts and professional advice involved.
What we work through
Income for life
The annual figure you need, in the currency you will spend, adjusted for inflation.
Retirement assets
Accounts traced across previous employers and countries, then consolidated or deliberately left.
Income strategy
Which pot is drawn first, and in which order, to manage tax and longevity risk.
Where you retire
Two or three realistic retirement countries modelled side by side, honestly.
Longevity & stress testing
The plan tested against longer lives, difficult markets and changing spending needs.
Turning wealth into income
Accumulating capital and drawing a dependable retirement income are different jobs. We help shape a practical retirement paycheck from the assets and pensions available to you.
Longevity cannot be timed. The plan should consider dependable income, flexible withdrawals and reserves that can absorb difficult years without forcing rushed decisions.
The modelling process
1
Gather and trace
Every retirement asset located, valued and checked for charges and investment choice.
2
Model scenarios
Base, delayed and adverse cases, with the assumptions written on the page.
3
Set the plan
Contribution levels and target date agreed, then reviewed annually against reality.
No commitment
Find out where your retirement plan stands
Three of the twelve Health Check questions score your Retire pillar directly.