Guidance

Plan for retirement

Start building your additional retirement income today.

Assess your needs and build additional retirement income.

Starting point

Recognise your situation.

How can you maintain your standard of living when your earnings from work stop? A career spanning France and Germany means taking account of two pension systems, the arrangements you already have and the country where you plan to live in retirement.

This may be relevant if…

  • You pay pension contributions in Germany and want to start building additional retirement provision early.
  • You have worked in France and Germany and want a coherent strategy across both countries.
  • You already have pension plans, investments or property but do not know whether they will be enough.
  • You want to use your current capacity to save to build future income.
  • You are wondering which retirement options to prioritise.

Objectives

What the work aims to clarify.

  • Review your existing resources and the standard of living you would like to maintain.
  • Estimate your need for additional income using the information available.
  • Choose solutions suited to your circumstances, retirement time frame and plans.

I help you review the resources you will be able to draw on in retirement, estimate your need for additional income and choose solutions suited to your circumstances.

Depending on your situation, we may consider a Basisrente (Rürup), pension or life insurance arrangements, financial investments or other income sources, including property. Several solutions may complement one another.

The choice takes account of your tax position, your need to access your money, your family circumstances and the country where you plan to live.

Would you like a precise calculation of your future pension entitlements?

A detailed calculation of pension entitlements acquired in France and Germany is a separate service. If needed, I can refer you to a partner who specialises in pension assessments. We can then use the results to refine your additional retirement income strategy together.

Planning for retirement means deciding today how to fund your future standard of living, taking account of your current means and your plans between France and Germany.

After working together

What becomes clearer.

  • An overview of the resources you can draw on in retirement.
  • An estimate of your additional income needs, with clearly identified assumptions.
  • A strategy and implementation priorities suited to your capacity to save and your plans.

Approach

Move forward in a clear order.

  1. Understand your situation

    Together, we review your income, capacity to save, retirement time frame, assets and existing retirement arrangements.

  2. Estimate the income you need to build

    Using your available pension statements and projections, savings and assets, we estimate the additional income to plan for to move towards your desired standard of living.

  3. Develop a strategy

    We compare the suitable solutions I can offer, considering any guarantees, conditions for accessing capital, taxation, flexible contributions, inheritance planning and your plans between France and Germany.

  4. Put the solutions in place and follow up

    I support you in setting up the solutions you choose. We can review your strategy when your work, family circumstances or plans change.

Read next