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Retirement

Planning your retirement properly will bring lasting benefits.

From analysing your objectives with an individual retirement concept to implementation and a follow-up review, we make every effort to ensure that you embark on your retirement in the best possible way – in every respect. Because good planning and the best possible pension are the foundation of a better quality of life after retirement.

B+B offers individual analysis and advice – together with specific measures to help you to prepare properly for your retirement, early or otherwise. We can help you both to answer basic questions and to solve complex problems.

Early retirement with confidence

B+B financial planning calculates the financial effects of your retiring early, thus laying the foundations for a secure future. Early retirement involves additional costs, since the income gap until you reach normal pensionable age has to be filled.

We describe your early retirement in writing, with illustrative graphics. The consequences of retiring early are presented to you simply and transparently, enabling you to make the best possible preparations for it. Please note: if early retirement is an option for you, we recommend you to start planning for it by age 55 at the latest.

We help you to make the crucial “lump sum or pension” decision.

After years of waiting, your pension fund assets are available to you. You have to decide whether to draw the benefits as a lump sum or as a pension. Our pension planning sets out the advantages and disadvantages of both options in diagrams and tables. We take account of both state and private pension benefits, painting a complete, reliable picture. You then have a solid base for assessing the financial consequences of the lump sum/pension decision.
Our analysis takes full account of both tax factors and the regulatory environment. Planned investment and budgeted spending act as your guidelines. The differences between drawing your pension benefits as capital or income are substantial – reason enough to consider the question thoroughly prior to retirement.

For more information see our brochure in German
«Pensionierung, aber richtig.» PDF 872 KB