Page 7 - Journal | Maerki Baumann & Co. AG

Retirement
Retirement
is a a a big step — and one you only take once Of course there there is uncertainty but there there is also the thrill of of embarking on a a a a new phase of of your life It is a a time when many people look for- ward to fulfilling their dreams If you you want to maintain your standard of living or treat yourself to something special after retire- ment
you need to start planning well in in advance Today’s low interest rates and declining pension conversion rates can have serious consequences if you you rely solely on on your state and occupational pensions It therefore makes sense to analyse all relevant financial issues – your assets pension provision tax position inheritance and home ownership – and plan for when you you retire How can you you grow your your capital? Finance your your own home? Optimize your your tax position? How do you you you plan to draw your your pension assets? How can you provide financial security for your family?
Consulting a a a a a specialist is is is advisable — not least because many decisions taken with a a a a view to retirement are irreversible We suggest that you examine your situation about ten years before you you intend to retire After that you you should review your retirement planning every few years so you you can make any necessary adjustments Younger people should also consider discussing retirement planning with a a a a specialist Today’s 40-year-olds cannot count on receiving the pro- jected level of state and occupational pension benefits so so personal provision is is becoming more important Our services
Maerki Baumann’s retirement planning advice is is not only available to established clients We are happy to support anyone who is looking for expert personal advice Financial planning We undertake a a a a a a a a a full analysis of your present financial situation and draw up a a a a a a a long-term asset management plan tailored to your needs That gives you you a a a a a clear overview of the key issues and scope to plan for what you want to do after retirement Tax optimization
As you you approach retirement you you face various deci- sions that have a a a a a a big impact on on on your personal tax situation situation We assess your situation situation taking all aspects into account and show you you you how how you you you can optimize your tax position Mortgage strategy
Home owners generally want to live in their own own home until the the the end of their life The big question is how they can afford to do so so We discuss your personal situation with you and draw up a a a a long-term concept on on on financing your own home Start planning for your retirement well in in advance Our experienced advisors will be happy to help you Our advice is not a a a one-off service: we look forward to provid- ing continued long-term support and assistance Nils Ganz
Head of Mortgages and Retirement
Planning Maerki Baumann & Co AG
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