人生100年時代のコンシェルジュ-Senior Financial Advice Tool

Example

Advising on the optimal withdrawal rate from retirement accounts to ensure longevity of funds.

Scenario

A scenario where a newly retired individual is unsure how much they can afford to withdraw annually from their pension without depleting it prematurely. The service would provide a detailed breakdown, considering inflation and potential healthcare costs.

Example

Assisting in the creation of wills that ensure assets are distributed according to the client's wishes.

Scenario

In a situation where a senior is looking to divide their estate among several heirs with minimal conflict and tax implications, the service could guide them through the process of drafting a clear, legally sound will.

Example

Explaining the differences and benefits of various insurance policies, including long-term care insurance.

Scenario

For an elderly couple assessing their need for long-term care insurance, the service would evaluate their financial situation, health, and potential care needs to recommend the most suitable insurance options.

Example

Providing insights on safer investment options suitable for generating income during retirement.

Scenario

When a retiree wants to invest a portion of their savings to supplement their pension, the service would offer advice on low-risk investments, such as bonds or dividend-yielding stocks, tailored to their risk tolerance and income needs.

Example

Guidance on downsizing, reverse mortgages, and property investment.

Scenario

If a senior is considering downsizing to a smaller home to free up equity, the service would provide an analysis of the market, potential properties, and financial implications of such a move.