When and for whom does financial planning or a retirement strategy make sense?

Financial planning or a retirement strategy is appropriate if you want to achieve certain savings goals (e.g. your own home) or prepare for the third phase of life in a targeted manner. Ideally you would initially evaluate your situation (pension strategy analysis, financial planning) between the ages of 30 and 40. This would give you longer to work on your savings goals and increase your future scope for action. Final retirement planning (retirement strategy) should be tackled from the age of 58 at the latest.

Based on our long-term experience, we know that many people don't like having to deal with their retirement provision situation. Unfortunately, this tends to be more the case for employees with low and middle incomes – despite the fact that retirement provision advice would be more important for them. For that reason, in principle we recommend that you speak to us about your retirement provision situation.