Step-by-step plan for a lasting source of income
How do we work?
When you realise that today the average pension of a self-employed person in Belgium is barely € 870 per month, you also realise instantly that a sustainable pension plan is anything but a luxury. But how do you do something about it? Optima will start by calculating your future pension as accurately as possible. Using the outcome we will determine how much supplementary income you need to maintain your standard of living. This leads us to a clearly defined step-by-step plan for a lasting and structural source of income, one that will also be there for you when you stop working.
Benefits
- calculating your future pension accurately
- advising on supplementary income
- producing a step-by-step plan for a lasting and structural source of income
In detail
Whether we like it or not, it looks highly unlikely that pensions will rise in the future. Even now pensions are far from generous: information we obtained from the Belgian National Pension Service shows that the average pension of a self-employed person came to barely € 870 at 1 January 2009. For a salaried employee the amount was € 1180, and for a civil servant € 2360. The figures speak for themselves: the heavy loss of income at retirement - particularly for self-employed persons - will come as a big blow.
We know from experience that many people have too high expectations of the pension they will receive when they retire.
While most people realise that their income will drop substantially, almost nobody knows by exactly how much.
At Optima we try to make people aware of this situation in due time. A client who wants to enjoy a carefree retirement needs to take action today. It is crucial to have an insight into your personal situation and your prospects. So a solidly based financial plan produced after a thorough audit is a necessity rather than a luxury. This applies particularly to affluent individuals who want assurances regarding their pension.
Working method
No two situations are the same. That's why we first want to get to know you a little better. Knowledge of your personal circumstances is a precondition for our being able to tailor our advice to fit your life.
AuditTax and legal experts will identify your financial and tax situation down to the very last detail. |
PlanningWe will work out a clearly defined step-by-step plan for your income, assets, pension and estate - all tailored to fit your personal circumstances. |
GuidanceThis is by no means the end: at the request of numerous clients, we can oversee the implementation of the financial plan for you. |
