Protect your tomorrow,
without surprises or uncertainty.
The fruit of a lifetime of work deserves a retirement lived with pride and peace of mind. Do not leave your future in the hands of government decisions alone or inefficient bank funds. I design the supplementary retirement plan today that will protect your standard of living tomorrow.
The concrete benefits of a retirement strategy
Realistic Gap Estimation
Many are unaware that the public pension will cover only a fraction of their last income. I calculate the exact difference (the pension gap) so you know exactly how much to save.
Immediate Tax Savings
The Italian state incentives supplementary retirement plans by allowing tax deductions of up to €5,164.57 per year. This translates to an immediate IRPEF tax rebate of up to over €2,200 per year.
Lifecycle Risk Management
I invest aggressively when you are young to ride global market growth, and then gradually transition to prudent portfolios as retirement approaches.
Retirement Planning Flow
An infographic of the step-by-step path that will lead you to a secure and ethical retirement plan.
INPS Projection
I estimate the amount and the exact starting date of your future public old-age or seniority pension.
Gap Measurement
I calculate the monetary difference between your expected retirement income and the income needed to maintain your independence.
Instrument Analysis
I evaluate the efficiency, returns, and costs of retirement funds on the market (FPA, PIP) to select only the best.
Tax Optimization
I define how to saturate payments up to €5,164.57 per year to guarantee you maximum tax recovery.
Rebalancing
I review and gradually reduce asset risk as you approach your retirement year.
Pension Gap Simulator
The public pension will cover only a fraction of your last salary. Calculate now how much your pension gap will be and discover how to plan to fill it.
Estimated Public Pension (at age 67)
€ 1,750
Monthly Shortfall (Pension Gap)
€ 750 / month
Estimated Capital Needed
€ 180,000
Recommended monthly savings starting today
€ 280 / month
This calculation assumes an accumulation plan with a net compound return of 4% per year to completely bridge the pension gap over a life expectancy of 20 years in retirement.
Frequently Asked Questions on Retirement
What is the "orange envelope" and why should I care? ↓
The "orange envelope" is the statement with which INPS estimates your future public pension. Due to pension system reforms (transition to pure contributory), the replacement rate (ratio between last salary and first pension) is shrinking drastically. For younger or self-employed workers, the public pension might cover only 50-60% of work income, creating a retirement gap that must be bridged in time.
Is it better to leave the TFR with the company or allocate it to a pension fund? ↓
It depends on your contract status and goals. Leaving the TFR with the company guarantees a fixed revaluation linked to inflation. Allocating it to an efficient pension fund allows you to invest it in the markets with higher long-term return prospects, also benefiting from a favorable tax rate upon redemption (from 15% down to 9% depending on enrollment duration, compared to company IRPEF minimum of 23%).
Can I withdraw money from the pension fund before retirement age? ↓
Yes, Italian law provides for specific advance cases: redemption of up to 75% for serious medical expenses (at any time) or for the purchase/renovation of a primary home for yourself or your children (after 8 years of enrollment). Additionally, you can request up to 30% for undocumented "other needs", also after 8 years.
A solid retirement plan is part of a larger picture
Protecting old age is key, but what about your health or wealth today? Integrate your retirement planning with insurance coverage and proper financial planning.
Discover 360° Financial Planning →Secure a retirement free from financial stress
Write the retirement strategy today that will guarantee you peace of mind and independence for life.