When is independent pension advice a good idea?
Security is a basic need. Regular income and savings contribute a lot to this. Even if we are reluctant to talk about money and worst-case scenarios, it is still important to be financially secure.
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Since it is difficult to identify and understand the risks and solutions involved in retirement provision, it can be worth getting a pension review. Through an analysis of your pension situation, an advisor can check whether there is a shortfall, whether your financial planning is realistic and which strategy fits your needs.
Employees – ensuring an income
Accidents, burnout, cancer and the like are not uncommon. Even if no one plans it – it can happen to anyone, completely out of the blue. Such situations can turn your whole leisure and working life upside down. Protect your income in the event of incapacity for work and make up pension shortfalls at an early stage.
Family – protecting children and partner
Those who want a carefree family life would be well advised to secure their finances properly. The cost of your home, car, childcare, daycare or education will place an excessive burden on your budget if you experience financial loss such as in the event of illness or death.
Save – to start a business, buy a home, for early retirement, pension or other plans
Define your future plans and goals yourself. If you want your future to be more than just a dream, you should make sure your pension is under control – and that includes your state pension, company pension and pillar 3a. You are well advised to protect yourself against temporary financial losses or risks and to improve your financial situation by finding out where you can make savings.
It therefore makes sense to take a closer look at your pension provision. You can identify possible shortfalls and risks with the help of our pension experts at Optimatis, and find the right solution from one of our many partners. The consultation is free of charge and there is no obligation.