Retirement planning services

RETIREMENT PLANNING SERVICES

Planning retirement can feel overwhelming and raise numerous questions, especially if you have worked abroad at some point in your career.

Whether you are a foreign national or a French citizen, Excellium Conseil can help you forecast your retirement pension and claim your pension benefits in France.

Our experts can help you optimise your retirement income and answer any questions that may arise from your unique career path.

Our services

PENSION BENEFIT REVIEW

Whether retiring soon or years from now, it is important to take stock of your personal situation and possibly rethink your end-of-career strategy to avoid any unpleasant surprises.

How do you determine the optimal date to retire? How do you obtain a retirement income estimate that is as accurate as possible? Could it be beneficial to buy back pension quarters in the French social security system? These are all legitimate questions to ask.

To support you in making these decisions, Excellium Conseil offers expert analysis, estimates and projections using various scenarios to help you make informed choices.

Excellium Conseil’s pension benefit reviews and forecasts provide our clients with clear information and answers in areas including:

  • Pension income forecasts, using various projected salary scenarios
  • Buying back quarters: costs and returns
  • How years worked abroad affect future pension income
  • Reviewing French state and supplementary pension fund statements, as well as taking action to correct any mistakes made by the authorities
  • End-of-career management plan: retiring progressively and combining employment and pension income

PENSION BENEFIT CLAIMS

Claiming pension benefits can be a long and tedious process, especially as more and more services move online. It is not always easy to identify the right point(s) of contact for non-traditional and/or expatriate career paths. Furthermore, lack of communication among the various pension funds can also lead to costly mistakes that prevent you from fully collecting the benefits to which you are entitled.

To avoid these situations, Excellium Conseil acts on behalf of our clients, from the initial claim procedures to the payment of pension benefits and serves as a liaison with the pension funds whenever required.

SURVIVOR'S BENEFIT CLAIMS

After the death of a spouse, the last thing you want to deal with is paperwork and procedures, which can seem meaningless and overwhelming at such a difficult time.

However, it is essential that the surviving spouse starts claiming the deceased’s pension(s) as soon as possible since this process does not occur automatically.

That is why Excellium Conseil is by your side to complete all the necessary formalities to ensure survivor’s benefits are paid in full and as quickly as possible.

Buying Back Quarters

It may be worthwhile to buy back missing quarters in the French social security system to ensure full pension benefits at retirement, but it is not always the most cost effective choice. The decision to buy back missing quarters must be made taking into account several factors, such as your age, earnings, number of quarters worked, etc.

After closely analysing the buyback terms, our experts determine whether the cost is worth the increased pension return. We then assist our clients with any necessary formalities and follow-up with the various pension funds concerned.

Our support packages

Excellium Conseil offers three levels of support to meet your needs and expectations.

ESSENTIAL RETIREMENT BENEFITS REVIEW

If you already have a good understanding of your retirement status and would like confirmation that your pension forecast is accurate before making any decisions that might negatively impact your income in retirement, this support package provides the assistance you need.

Our services include:

• Preliminary meeting with an expert to review your overall situation, French state and supplementary pension fund statements

• Comprehensive report with our expert’s conclusions and recommendations for your optimal retirement date, including a pension income forecast

• Instructions from our expert on how to correct any mistakes on your French state and supplementary pension fund statements (unreported periods, errors in converting retirement points, etc.) with the relevant authorities, if necessary

Contact us

PREMIUM RETIREMENT BENEFITS

At Excellium Conseil, not only do we offer expert advice, but we can also provide quantitative comparison solutions to optimise your retirement planning. This customised package is primarily designed for future retirees who have worked abroad at some point in their careers, are unable to reach the full-rate pension age and/or have had other unique career paths that require more in-depth analysis.

Our services include:

• Preliminary meeting with an expert to collect the documents and information necessary for a robust analysis of your overall situation and circumstances

• Forecast of French state and supplementary pension fund benefits, based upon a multi-factor analysis (age, earnings, etc.)

• Calculation of the impact that validating periods worked abroad could have on French pension benefits

• Correction of any mistakes on French state and supplementary pension fund statements with the relevant authorities (amicable phase that takes place prior to collecting benefits)

• End of career management plan: identifying the optimal date to retire; considering options such as progressive retirement or combining employment and pension income, etc.

Contact us

PLATINIUM ASSISTANCE

Excellium Conseil assists you directly in carrying out the following pension fund formalities and procedures:

• Claiming French and international pension benefits

• Claiming survivor’s benefits

• Buying back missing pension quarters in the French social security system

Our service:

Assistance throughout the all processes until settlement including:

• Preliminary meeting

• Preparation of the dossiers for submission to the relevant pension funds

• Filling out all the necessary forms

• Close follow-up with the pension funds during their review process

• Verifying retirement benefit calculations made by the pension funds (pension and survivor’s benefits)

• Amicable appeals or court action in the event of miscalculations by the pension funds

Contact us

In addition to the support packages above, our experts can provide you with a personalised quote for a customised package to meet your specific needs.

FEES & TAX DEDUCTIONS

Our fees are set on a standard flat-rate basis. After our first meeting, we will send you an agreement letter with a comprehensive description of the services to be provided as well as a detailed quote (our rates may vary according to the complexity of the dossier).

Fees for services provided to obtain retirement information and pension benefits may be deductible from your taxable income in France. Please consult your tax advisor for more information.

You want to talk to an expert about your project?

Contact us