Retirement is for life

The prospect of your retirement, a crucial step in your working life, raises many questions:

  • What will my income be once I retire?
  • Will I be able to maintain my lifestyle?
  • Will my social security protection continue? My health insurance? At what cost?
  • If I were to die, what rights would my spouse and children have?
    Can we assess them now?

All these questions deserve a precise answer.

Faced with an ever-growing body of legislation in this area, which changes whenever there is a reform, and with increasingly diverse national and international professional careers as an employee or a self-employed worker, it is difficult to navigate through it and adopt the right strategy.

WHY CALL IN AN EXPERT? FOR WHAT REASON?

In 2023, pension legislation changed, creating a great deal of confusion for policyholders,

  • Despite the quality of communication from pension funds, pensioners and future pensioners want a personalised explanation of their situation,
  • Despite the quality of the information provided by HR, employees feel the need for confirmation from an outsider as to the accuracy and correct interpretation of everything they have been told,
  • Because during their working life and in the face of events in their professional life (job loss) and/or personal life (illness, partial or total disability, death, divorce), employees need to be supported and to understand the direct and indirect effects on their future pensions,
  • Sometimes professional careers are not necessarily limited to one country and expatriates then need dedicated and reliable information,
  • Because it is essential to structure a family strategy in the event of death, reassure a surviving spouse who then suffers a drop in income,
  • Retirement is not something that happens only in France, and the impact on health cover and mutual insurance is not always appreciated. Impact varies depending on the future place of residence of the pensioner, in France or abroad.
  • The word "RETIREMENT" should be associated with the terms social security protection, taxation, spousal rights, loss of autonomy, future protection mandate, etc.

Sauvant Consultants answers all your questions as part of a COMPREHENSIVE reflection on your current and future situation.