The moment of retirement is always a delicate stage, which marks the end of a professional career often rich in twists and experiences. It is thus common to consider this passage as a significant break in one’s life and the coming of a time of serene rest. However, before considering this period with appeasement, it is essential to prepare your retirement well by anticipating your steps as soon as possible. In this context, it is therefore recommended to carry out a retirement assessment to observe the main changes that will impact you.

To properly prepare for retirement, it is better to plan, in advance, the steps that will be necessary and the future obstacles that you may encounter. Therefore, a retirement balance sheet can be the perfect tool to help you and thus anticipate the future drop in income expected during this period. Very useful for taking stock of your financial situation, it allows you to take the necessary measures to guarantee yourself a comfortable retirement. In order to start your retirement assessment, do not hesitate, first of all, to assess your pension rights.

To assess your pension rights, you must take into account various elements such as the number of years of contribution, the average salary of the best years, as well as the retirement age. It is also essential to include supplementary schemes such as Agirc-Arrco, which are important parts of your retirement income. At the same time, you can start estimating the amount of your future pension with online simulators. They will be valuable support in evaluating your future retirement before considering financing options.

The retirement balance sheet is a major asset, which allows you to have a better view of your future financial situation. It is an ally in anticipating future problems that a drop in income could cause you at the end of your professional career. It is also very important to have a clearer idea of ​​the tax benefits that are specific to you.

For all these reasons, it is recommended that you start your retirement assessment as soon as possible, ideally several years before the retirement age. This will give you the time you need to embark on innovative savings solutions and have interesting visibility on your future benefits.

It is possible to carry out your retirement assessment yourself with the tools available online, however, it is still advisable to call on a professional specialized in wealth management or retirement advice. In this way, you will obtain a more in-depth and personalized analysis of your situation.

Thanks to the advice of an expert, you will be able to take advantage of his knowledge to put in place solutions adapted to your personal case and thus inform him of your objectives, but also of your needs. A shortfall in income can have serious consequences when you retire, so it is necessary to take the necessary measures as soon as possible.