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Retirement
Planning

What is Retirement Planning?

Retirement planning is the process of thinking about and preparing for your life after you stop working. This usually involves saving money and making financial decisions that will help you maintain your standard of living after you retire. Some people start planning for retirement in their 20s or 30s, while others wait until they are closer to retirement age. It’s never too late to start planning for retirement!
At Rosbotham Finance, we understand that retirement goals can vary greatly among individuals. We not only specialise in traditional retirement planning, assisting those aiming to retire at 65, we also help clients looking for alternative retirement paths. Whether that is to embrace phased retirement at 55, transition out of the corporate world at 58, or embark on a consultancy role at age 60.

Why is Retirement Planning Important?

Retirement planning is an essential part of securing your financial future. It’s a process that involves determining your retirement goals, assessing your current financial situation, and developing a personalised plan to help you achieve those goals. Retirement planning is especially important for those living in Switzerland, where the cost of living is high and retirement can be expensive.

Our Retirement Planning Process

At Rosbotham Finance, we understand the unique challenges and opportunities of retirement planning in Switzerland. David and his team, work with you to develop a customised plan that aligns with your individual retirement goals, whether that’s retiring early, maintaining a certain lifestyle, or leaving a legacy for your family.
Our comprehensive approach to retirement planning takes into account all aspects of your financial situation, from investments and savings to Social Security benefits and healthcare costs. We work closely with you to develop a retirement plan that is realistic, achievable, and tailored to your needs.
At Rosbotham Finance, we believe that retirement planning is about more than just money. It’s about peace of mind, security, and the freedom to live the retirement you’ve always dreamed of. Let us help you achieve your retirement goals today.

Is a financial adviser necessary for retirement planning?

Retirement planning comes with inherent risks that need to be carefully managed to protect your hard-earned savings, which is why having a financial adviser to help you with your retirement plan is very beneficial.
Market volatility poses a significant risk, as fluctuations in the financial markets can impact the value of your investments. Inflation risk is another concern, as the rising cost of living erodes the purchasing power of your retirement savings over time. Additionally, longevity risk arises from the uncertainty of how long you will live and the potential to outlive your savings.
Regularly reviewing and adjusting your retirement plan in consultation with a financial advisor is essential to adapt to changing circumstances and manage these risks effectively.

Testimonial

My wife and I had been looking for a truly independent advisor to work with for several years but, as mixed-origin expats in Switzerland, we'd struggled to find someone who was both independent and understood our situation - until we became aware of David on LinkedIn.

As a result, we recently worked with David on a full retirement planning analysis. We are very happy we made this decision. The process was smooth and insightful. We really learned a lot about how our family's future will, or could, look.

David is highly knowledgeable, friendly and professional. We have already recommended his services to two friends and will happily continue to do so.
MATT WADE
MATT WADEBLUEBOTICS SA
David has been my financial advisor for the last 12 months and I could not be happier with the service. He has assisted me with my pension and retirement planning as well as investment strategies. I really appreciate the way David wants to get to know his clients to set up a personalised investment plan that is right for them. He seeks to understand appetite for risk and personal goals and then presents options in a clear understandable way with no hard sell. I really appreciated the complimentary introduction meetings so I could get to know what was on offer before parting with any money.
Matthew Standage
Matthew StandageNestlé
David has helped me hugely in my general financial and retirement planning. Helped me understand my goals and the trajectory I was on and what needed to change.

What I really enjoyed was the candid and straightforward approach along with clarity of the position, the options and the scenarios that enable informed decision making. Excellent communications and leading me through each step of the way.

Just getting to understand where I am and where I would like to go without any pressure to buy any products etc. was a refreshing experience, I expect to be working with David for a long time to come.
STEVEN CLARKE
STEVEN CLARKENOVELIS AG

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    David Rosbotham is published on the ARIF (Association Romande des Intermediaries Financiers) public register for regulated Financial Planners in Switzerland – number 17147 and further information is available upon request.
    The information on this website is for informational purposes only and does not constitute asset management or discretionary portfolio management. David is registered as a client advisor in accordance with the Swiss Financial Services Act (FinSA) and affiliated with an official ombudsman. Investment recommendations are made on a non-discretionary basis only.

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