Retirement planning

Know today what your retirement will look like.

Retirement is the single largest financial decision most people make. Pension or lump sum, early retirement or phased withdrawal, how much you can safely spend each year — these choices are irreversible and interact with one another.

Our specialists model your income and assets year by year, in writing, so you can see the consequences of each option before you commit to it.

What we do for you

  • Pension or lump sum

    A side-by-side comparison of both options over your full life expectancy.

  • Early retirement

    What stopping two or three years earlier really costs, after tax.

  • Withdrawal planning

    The order in which to draw OASI, pension fund and private assets.

  • Budget check

    A realistic view of the spending your assets will actually support.

Regulatory challenges

  • AHV and pension-fund gaps

    Contribution holes and conversion rates reshape what you can safely spend.

  • Irreversible choices

    Pension versus lump sum and early retirement interact with tax progression.

  • Drawdown order

    OASI, BVG and private assets must be sequenced carefully.

How we help

  • Written year-by-year model

    See income, tax and spending before you commit.

  • Side-by-side options

    Compare pension, lump sum and hybrids over life expectancy.

  • Independent by design

    We receive no commissions from any provider, so the only question is which option is right for you.

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General information only. Nothing on this page constitutes personalised investment, tax or legal advice.

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