Pension Planning

We offer individual and independent advice to anyone who wants a specific, analytical and visual overview of their options when one day, they transition from working life to active retirement.

The advice provides a comprehensive overview of how you make the most of your pension scheme and your available funds.

Many people worry about whether they can afford the life they dream of when they eventually retire. But it doesn’t have to be that way. At Söderberg & Partners, we offer individualized and independent advice on the total finances and wealth at retirement for the entire household, a concept we call Value Planning.

Value Planning is a personal advisory service, where we start with dreams of a good retirement life and how to achieve them financially. The concept includes various types of advice on the total finances and wealth at retirement, including tax optimization and optimizing the interaction with public benefits.

No matter what specific needs you have, the advice will be provided by a highly qualified advisor with extensive financial insight who is not afraid to challenge opinions. Both the advisory conversation and the decision-making basis provided after the meeting will be individually tailored to your household and presented in language that is easy to understand. In addition to providing a financial overview, we also help illuminate inheritance matters, including:

• Power of Attorney for the Future
• Will
• Beneficiary Designation
• Separate Property

Pension planning

Many people have far more money available than they realize, because they lack an overview of their various pension savings, home equity, and savings in investments and securities.

Our attentive and present advisor will, based on the household's total financial situation, provide a structured overview of all the assets that need to be considered. From here, a decision-making basis will be created, detailing pension optimization, how far the finances can stretch, what actions may be necessary, and much more.

If you are already retired, Söderberg & Partners can help create a picture of which part of the household’s total wealth should be drawn on first and which funds, with tax advantages, can be deferred. After the senior advisory session, a personalized and long-term analysis will be created, which includes, among other things, a budget sheet outlining your annual disposable income and assistance with planning pension disbursements, etc., for the entire household.

Business optimization

If you are an entrepreneur, regardless of the business structure, it can be very beneficial to create a solid plan that allows for saving on high taxes both during the saving and depleting periods, while also optimizing in relation to public benefits.

Söderberg & Partners can help you explore options for using any surplus in the business to strengthen your finances, thus optimizing opportunities for company pensions. This could include retirement pensions, creditor protection, succession planning, tax optimization, inheritance matters, and much more.