Retirement planning
At some point the accumulation phase ends. Then a different question arises: how does what you have built become a reliable income – for decades, without the substance being used up prematurely?
- Recognise the pension gap, calculate needs honestly
- Turning wealth into income – planned, not hoped for
- Passing on what remains: succession with foresight
Pension gap and needs analysis
What actually arrives from the state pension, occupational schemes and private contracts – and what do you need each month for the life you have in mind? The difference is the starting point of every plan.
Withdrawal and payout plans
Portfolio, participations and property are structured to deliver predictable income: which building blocks are drawn on first, which stay invested, how much buffer is needed for market phases in which one should not sell?
Property in later life
Keep and let, sell, annuitise or refinance – there are more options for your own home than many think. We calculate them, including taxes and maintenance.
Wealth transfer and succession
Lifetime gifts, usufruct, allowances, wills: those who plan early pass on more – and avoid disputes. Where necessary, I work together with your tax adviser and notary.
- Honest inventory of all sources of income
- Withdrawal strategy with a liquidity reserve
- Tax- and subsidy-optimised transfer
- Regular adjustment to life circumstances and legislation
How we work together
Three steps, no small print. After each step you decide whether to continue.
Initial consultation
About 30 minutes, free of charge, in Stockach or by video call. We clarify your situation, your goals and what you expect from advice.
Analysis and recommendation
You receive a written evaluation with concrete, comprehensible recommendations – including costs, risks and alternatives.
Implementation and support
I implement with you what you have decided and stay at your side: through market movements as well as changes in your life.
Related areas
Asset management
Your portfolio, professionally managed.
- Tailor-made, ETF-based investment solutions
- Equities, bonds, precious metals, liquidity
- Actively managed, far-sighted, transparent
Real estate
Tangible asset, return and tax advantage in one.
- Security and return – with real estate as a tangible asset
- Save taxes, secure public subsidies – your advantage, your property
- Build wealth cleverly with real estate – possible for everyone
Let us talk about your wealth.
An initial consultation takes about 30 minutes, is non-binding and free of charge. In Stockach or by video call.