How do we turn an aspiration into a target?
We compare your desired income with the resources you expect to have. The difference, duration and assumptions about inflation, costs and returns shape the plan.
How we plan around your needs
We describe life after work.
Everyday living, housing, care and personal choices become a budget in today’s prices.
We identify potential resources.
Estimated pension, existing capital and other income. We distinguish what we know from what we assume.
We plan how to build the capital.
Amount, duration, costs, risk and how the capital will eventually be used are discussed together. We review the plan as circumstances change.
Before you choose
- Time until retirement and the period to be funded.
- Existing resources and assumptions that need confirmation.
- Inflation and future purchasing power.
- How benefits are paid and the precise terms of any guarantee.
Your first questions
Is the state pension estimate certain?
We use available information and make uncertainty explicit. We do not replace an official pension calculation.
Can I start with a small amount?
We consider what is sustainable for you and which plans allow it. Starting earlier provides more time to contribute, without guaranteeing an investment outcome.
Prepared by: Iakovos Perchanidis · Updated
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