In the simplest terms, retirement planning is easy to understand; it is planning for life after retirement. However, there are multiple aspects of retirement planning to consider and having a strong plan in place can help ensure that you are able to continue in the lifestyle you are accustomed to after you stop working.

1. We a l t h S t r u c t u r i n g :
Retirement Planning
b y D r E d g a r P a l t z e r

2. 2
Wealth Structuring: Retirement
Planning
In the simplest terms, retirement planning is easy to
understand; it is planning for life after retirement. Howe-
ver, there are multiple aspects of retirement planning to
consider and having a strong plan in place can help ensure
that you are able to continue in the lifestyle you are accus-
tomed to after you stop working.
Start Early
The earlier you start planning your retirement, the longer
you have to strategise and ensure you will have enough
income to live the life you want. However, even if you start
late, it is still better to plan for a few years than not at all.
Identify Income and Expenses
Before you start saving, you will need to know how much
disposable income you have available to save. This invol-
ves looking at your income and expenses both now and in
the future.

3. 3
Before you start saving, you
will need to know how much
disposable income you have avai-
lable to save. This involves loo-
king at your income and expenses
both now and in the future.
Choose the Right
Investment Vehicles
A pension is a good place to start,
although there are other invest-
ment vehicles that can play a role.

4. You can learn more about
wealth structuring by visiting
the blog of Dr Edgar Paltzer.