The retirement planning strategies that make sense when you’re 45 don’t always make sense when you’re 55, 65 or older. That's why we provide solutions to build and protect your retirement nest egg for each stage of your life. How you want to work with us is also an important factor in deciding what solutions are best for you. No matter what your preference, we offer the solutions you need through our team, who will be there every step of the way, guiding you towards your retirement dreams. Retirement planning involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired retirement lifestyle. Because an individual's retirement years can span decades, retirement planning generally dominates other financial goals. A successful plan put into place during the wealth-building life span should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.

 

Those living away from their home countries may not be able to rely on the state for financial support in retirement. Your own personal planning is therefore vital. Century Financial Brokers has experienced and qualified advisers who can help guide you through that planning process. Discussing with you issues such as inflation, currency exchange rates and the importance of regular reviews so that your pension value is protected as you get closer to retirement age. Your Century Financial Brokers adviser can also help you to maximise the income from that pension fund when you do decide to retire. He or she will collate the information on any retirement plans already in existence and monitor the progress of all retirement planning so that your financial goals can be achieved, resulting in a happy, financially secure retirement.

 

Today's workforce is more mobile and we find that many of our clients have worked in more than one country and have gained pension rights in those countries resulting in plans with different currencies. Your Century Financial Brokers adviser will assess which plan transfer is right for you by producing a personalised report to help you make your decision. Key to that decision will be your own personal circumstances, the type of pensions you already have and where you intend to take the benefits of those pensions in the future. We will also help you understand the implications of a move from one country to another, how to plan for such changes and how, despite these moves, you can still retain a coherent strategy to your planning. At the heart of any retirement plan is the distribution of accumulated assets. The correct distribution method will help to ensure that your retirement savings last beyond your lifetime with minimum shrinkage from taxes. From premature distribution options that allow access to retirement assets prior to age 59½, to products intended to provide stable monthly payments for retirement, distribution planning is paramount to a successful retirement plan.