Start planning very early, retirement has a way of sneaking up on us, One moment you're focused on career, juggling bills, and planning holidays — and the next, you're wondering whether your pension will be enough when the paychecks stop. Seek financial planning advice very early .

What is the best age to start planning for your pension - as soon as you start earing usually in your twenties , however, for most diasporas, sometimes, it can start later in life , 30s, 40s, 50s but to build a substantive and meaningful retirement, your  

• Increasing monthly contributions

• Consolidating your pension pots across borders 

• Maximising employer's match

• Exploring tax efficient private pensions

Always check on your pension contributions 

• Ensure that contributions are paid to the appropriate funds 

• Regularly check your contributions with the Tax offices and Pension funds services for private pension

Remember, the traditional safety net /support of the family dependencies are slowly eroding from our societies ,  as more become individualist   

Rising life expectancy means , we are living longer than expected 

Rising cost of living 

Forecast your retirement income

Fill contribution gaps and optimize your drawdown strategy

Explore flexible retirement pathways and phased transitions