Preparing for Retirement

Be ready for the greatest stage of your life.

For many, retirement is the most important time in life, from both a personal and financial sense. Having a comfortable retirement doesn’t just happen, however. It comes with an extensive process that requires sensible planning, simplifying your lifestyle, and years of continuity. It’s an ongoing process that takes a lot of work.

It is never too early to plan. While retirement is one of the best times of your life, the amount of planning that goes into it is significant. If you want to have a worry-free retirement, you are going to want to save. Whether you want a quiet retirement at home amongst friends and family or an adventurous one exploring cultures offshore, having a plan for how you will save the right amount of money is essential.

If this isn’t enough to convince you to start your retirement planning, ask yourself these questions.

  • How much do you need to retire?
  • When will you retire?
  • Where will my funds come from?
  • Are you prepared for unexpected medical expenses?
  • Are you flexible and ready to deal with change?
  • Have you considered estate planning?

If you don’t have the answer to just one of these questions, your retirement plan is not complete. With family office services of Goldbach Capital, you can work to manage your retirement portfolio to guarantee a worry-free retirement! Below, we have gathered some of the steps for a successful portfolio.

Our hands-on approach focuses on your goals and our expert advice.

Determine How Much to Save (And When You Can Retire)

The first step in creating a successful portfolio is going to be knowing exactly you are creating this portfolio for. There are so many ways to spend your retirement. With this first step, you will be able to accurately choose investments that will help reach your goal.

The easiest way to determine how much you’ll need to save for retirement is taking 80% of your pre-retirement income, subtracting any source of income that you’ll be receiving during retirement (Social Security, pensions, etc). Using the 4% rule, multiply this number by 25. This is a rough estimate of home much you’ll need to save to live when you are done working.

While there is no way to say how much exactly you will need for your retirement, it’s common that a 7% average annual return is expected.

Once you determine how much you are going to need for your retirement, you can also decide when it will be realistic for you to retire.


One surefire way to a strong portfolio is to diversify your income. There is always the possibility that one of your sources of income may take a drastic hit. If you make all over your family investments into one sector, you are opening yourself up to an array of events and certain markets may not be as strong as others.
This step is one of the most important asset protection strategies and can ensure that you are still saving even if one of your investments doesn’t deliver the way you expected.
Diversifying your portfolio is one of the most well known and reliable risk management strategies. By having multiple different sources, you can rest easy when one of your investments falls through.

Beyond Your Portfolio

There is more planning than just making sure you have a good portfolio to have a breezy retirement. Do you have proper health insurance? You may have a great plan back home but what if you want to travel? What if you want to spend most of your time in a tropical destination on the beach or exploring delicious food in Europe, or meeting new and interesting people all around the world? An international health insurance policy could be right for you.

Goldbach Capital can make sure that you are prepared for whatever may happen!
You will also need to plan on if you are going to do with your current home. Will you stay there during your retirement? Do you plan on traveling? If so, who will take care of your home? Maybe you want to downsize?
There are so many questions that we simply cannot answer for you, nor can we guide you through on just own web page. The expert team of Goldbach Capital is ready to take a hands-on approach to your retirement planning.

Estate Planning

Once we have your retirement plan wrapped up, what happens when you’re gone? The next step in your life is estate planning. This will make life easier for the ones you love when it comes time. Making an estate plan, you can guarantee that all of your belongings and wealth are allocated correctly.
It can be an uncomfortable act to think about one’s own mortality but estate planning is important when preparing for the inevitable.
Many believe that creating a will is all it takes to plan for their passing but it’s much more than that. Estate planning includes:
• Taking Inventory (both physical and non-physical)
• Property Management
• Healthcare Directive
• Living Trust
• Creating a Will

Don’t Plan Alone

Goldbach Capital has the knowledge and resources to become the trusted partner of wealthy families. We offer a comprehensive range of services, by combining proprietary expertise with an external pool of first-class advisors.
Each client can decide which modules he wants to engage Goldbach Capital on. Thanks to its efficient and cost-effective solutions, Goldbach Capital is a credible alternative to existing or projected in-house organizations.
While incorporating our approach in life simplification and cost-cutting with asset protection, growth, and monitoring, our family office services integrate your family’s vision and core values to create the right portfolio for your retirement.

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