Savart One · Retirement planning
Plan for life after your salary.
Give retirement the same attention as your next big purchase. Work through your future expenses, existing savings and family responsibilities with Savart One.
Start with the life you want to fund.
Retirement looks different for every family. You may want to stop working early, keep a smaller business running or make more time for travel and your parents.
Savart One brings retirement into your wider financial roadmap. Start with a realistic picture of your expenses and what you have already set aside. Then discuss the assumptions and investment planning your circumstances need.
What to bring into the conversation.
Your everyday expenses
Consider housing, household spending, healthcare and the people who may still depend on you. Separate regular expenses from occasional large costs.
What you have already built
Bring your savings, investments, pension or provident-fund information into the discussion. Include loans and other obligations too.
The years before retirement
Look at the time available and what you can set aside while also funding goals such as a child’s education or a home.
The years after retirement
Discuss income needs, access to money and investment risk. Ask how the planning process will address changes in expenses and circumstances.
When retirement and education overlap.
Your child may start college a few years before you hope to retire. Treating both as separate goals helps make the questions for your adviser more specific.
How much have I already set aside for each goal?
When will I need to start using the money?
Which assumptions should I revisit if my income or expenses change?
A clear starting point.
Savart One is a tailored, team-led service. The first conversation helps establish the support you need.
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Tell us what you want help with
Start with your situation and the questions on your mind. Bring the documents and figures you already have.
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Talk through your priorities
Discuss the planning support you need and which questions call for a specialist.
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Plan your next steps
Work with the team on the information to gather, the decisions to make and how to follow up.
A little preparation helps.
- Current monthly household spending
- A tentative retirement age
- Savings, investments and expected income sources
- Loans, dependants and other major goals
Keep your call request to a broad overview. The team will explain how to share any documents securely.
A few useful answers.
How much do I need to retire?
There is no single amount for every family. Your expenses, retirement age, existing savings, income sources and assumptions all matter. The calculator can give an initial estimate; a planning conversation considers your circumstances in more detail.
Can I plan retirement and other goals together?
Yes. Savart One includes family-centred planning and a goal-based financial roadmap. Explain the goals that overlap so they can be considered in the agreed planning work.
Does the retirement calculator account for my whole financial life?
The calculator uses a small set of inputs for an initial estimate. A planning conversation can also consider your portfolio, tax position, insurance, liabilities and personal circumstances.
Can retirement income be guaranteed?
Investment outcomes can change. Discuss the assumptions, investment risk and ongoing review included in your service.
Bring the questions on your mind.
Speak with the team about retirement planning and the Savart One services that fit your needs.