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The KEY to Financial Independence, when you need it most! Ideally…Retirement Planning must begin the day we start earning our first rupee.

This is the most sensitive phase of one’s life when one is about to retire!

A lot of things change from that day. The sudden change in our routine will yield us all the time in the world, but the others around us will be as busy as they always were. So does retirement mean the end of achievement, independence and happiness?

Certainly not; if we plan for that right away!

While we are young, we think there is a lot of time to plan. While we have a few years to go before retirement we feel that we must focus on gathering as much money as possible and meanwhile there might also be priorities to sort out before we embark onto retirement. We feel we must think about planning when we actually retire.

That is a fallacy; it is already too late to plan! Most people are already late whether young and far from retirement or just a few years or just a few days away from retirement. Even people who have retired seem to be doing the wrong things and then there is enormous stress.

The only solution, you would agree is proper planning for retirement days and the outcome should be nothing short of total financial independence. It is only financial independence that will allow us to live a life full of joy, happiness and comfort with our family

Before you step into the amazing world of PFS, we recommend you to take a tour i.e. to check the following links thoroughly and clear all your doubts, if you have any.

If you have gone through the above links, let us proceed.

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Features

The following concepts and tools we will be using while preparing customised retirement plan:

1. Retirement Needs Analysis:
   • Need analysis helps to maintain similar standard of living post retirement.
2. Cash flow Analysis
   • Cash flow analysis provides acumen on cash flows starting from retirement age till the chosen life expectancy age.
   • It helps in deciding the right asset class which will not only help to counter inflation but also generate the required payouts till the desired life expectancy age.
3. Budgeting & Gap Analysis
   • Budgeting shows the money you will garner at your retirement age from statutory benefits (if any).
   • Gap analysis shows the gap between the actual retirement kitty and statutory benefits.
4. Expense Projections
   • One can project current expenses at retirement and find the impact of inflation.
   • Expense projections and need analysis go hand in hand.
5. Wealth Creation & Transfer
   • Scrupulous investments in high yielding assets create long lasting wealth.
   • By undertaking prudent estate planning one can dissipate assets to legal heirs without any encumbrances.

How can retirement financial planning help you achieve a tension free post retirement life with financial control and security?

1. Experienced professionals create a customised Retirement Plan with built-in Liquidity, Flexibility, and Increasing Retirement Income year after year in line with inflation and your lifestyle while minimising the impact of taxation.
   
   
2. We find out if you have pension provision, whether that is enough and what else do you need to do.
   
   
3. Your strategy is reviewed & monitored continuously to accommodate aspects such as
   
   
   • Liquidity
   • Accumulation of wealth at faster rate if required
   • Legislative changes
     
   • Longer life expectancy, for self & spouse
     
   • Health care requirements