Prepare
Retirement Planning
Your retirement. Wherever you call home.
A FISICS Retirement Plan seeks the same outcome, but retirement may involve more than one country.
What does this service involve?
The person may live abroad, have family or children overseas, own foreign property or investments, receive income in different currencies, have worked under another social-security system or hold another nationality.
Model
Model retirement income and spending in the countries and currencies that may realistically apply.
Tax
Consider tax residence, double-tax treaties, visa or residence rights and access to healthcare or social-security systems.
Coordinate
Coordinate pensions, investments, property and state benefits held or arising across the relevant countries.
Review
Review the timing and order of withdrawals before a move because different countries may tax the same assets in different ways.
Which best describes you today?
You may be considering this because your circumstances have changed, you're planning ahead, or you simply want greater clarity.
Retirement is starting to feel real
You're in your 40s or 50s and want to move beyond simply saving towards knowing what retirement could actually look like.
Your pensions have built up in different places
You've changed employers over the years and now have several pensions, but no clear view of what they add up to.
You're unsure what to do with your current pension
You're contributing regularly, but you're not certain whether your current arrangement is still right for where you're heading.
You want to retire before 65
You'd like the option to stop working earlier, but you don't know what would need to happen financially to make it realistic.
You don't want to leave retirement to chance
You're doing some of the right things already, but want a proper plan that brings everything together.
What could happen without a plan?
Your retirement date stays uncertain
Without a clear picture of your finances, it becomes harder to know when you can afford to stop working.
Your pensions may remain fragmented
Old and current pensions can become harder to understand, making it difficult to see what you're really working with.
You could miss opportunities to plan efficiently
Decisions around contributions, tax and how you eventually draw your money can matter more when they are made early.
Your retirement may become a compromise
Without knowing what your finances can support, the retirement you imagined can gradually become one dictated by the numbers rather than your choices.
Which best describes you today?
You may be considering this because your circumstances have changed, you’re planning ahead, or you simply want greater clarity.
What could happen without a plan?
Retirement is starting to feel real
You're in your 40s or 50s and want to move beyond simply saving towards knowing what retirement could actually look like.
Your retirement date stays uncertain
Without a clear picture of your finances, it becomes harder to know when you can afford to stop working.
Your pensions have built up in different places
You've changed employers over the years and now have several pensions, but no clear view of what they add up to.
Your pensions may remain fragmented
Old and current pensions can become harder to understand, making it difficult to see what you're really working with.
You're unsure what to do with your current pension
You're contributing regularly, but you're not certain whether your current arrangement is still right for where you're heading.
You could miss opportunities to plan efficiently
Decisions around contributions, tax and how you eventually draw your money can matter more when they are made early.
You want to retire before 65
You'd like the option to stop working earlier, but you don't know what would need to happen financially to make it realistic.
Your retirement may become a compromise
Without knowing what your finances can support, the retirement you imagined can gradually become one dictated by the numbers rather than your choices.
You don't want to leave retirement to chance
You're doing some of the right things already, but want a proper plan that brings everything together.
