Who this is for: Salaried professionals, self-employed individuals and business owners at any career stage.
Retirement planning is an expense problem before it is an investment problem. The starting point is the monthly lifestyle you intend to maintain, adjusted for inflation to your retirement year.
From there we estimate the corpus required across your post-retirement years, compare it against existing savings and derive the additional monthly contribution needed.
We also plan the withdrawal phase — how income will be drawn, and how the corpus stays protected against inflation and longevity.
Challenges this addresses
- Corpus estimated without inflation adjustment
- Retirement funded largely by one asset
- Healthcare costs not separately provisioned
- No withdrawal strategy defined
What the engagement includes
- Inflation-adjusted expense projection
- Corpus requirement estimate
- Contribution gap analysis
- Withdrawal phase planning
- Periodic re-projection