I’m About to Receive an Inheritance and Don’t Know Where to Start

Planning Your Retirement Is Not Optional. It’s the only way to ensure you won’t have to reduce your lifestyle once you stop working.

That could be your reality if you don’t make timely and well-informed decisions.

Like many others, Manuel realized too late that retirement was much closer than he thought.

Manuel, 59, Telecommunications Engineer

After a 30+ year career in technology companies, Manuel decided to move back to Valencia with his partner. He had never been particularly worried about retirement:

• He already owned a family apartment, fully paid off, on the outskirts of Valencia.
• €145,000 in a savings account.
• €390,000 distributed across index funds and pension plans.

Everything seemed under control… until his 91-year-old mother told him she was struggling to make ends meet with her pension. That was the wake-up call.

"What if the same happens to me? Have I really done the math?"

After speaking with a close friend, he was recommended to contact Quality Finance to review his situation in depth.

What Did We Do Together?

At Quality Finance, we approached Manuel’s retirement planning with detail—and without empty assumptions.

• Detailed career analysis: We calculated his actual estimated pension based on real contributions, not generic simulators.
• Inflation and longevity: We modeled different scenarios, evaluating the impact of 25 or even 30 years in retirement.
• Realistic lifestyle: We projected his current and future expenses to maintain his standard of living.
• Smarter investments: We redesigned his portfolio to align with his time horizon and risk tolerance.
• Financial independence: We planned with the goal that neither he nor his partner would depend financially on anyone else.

After receiving the report, Manuel understood that:

• His savings strategy needed adjustments.
• He could optimize his investments without taking unnecessary risks.
• Without action, his wealth would run out sooner than expected.

Better to anticipate than to regret

Thanks to this process, Manuel gained clarity, corrected course in time, and felt much more at peace with his financial future.

All personal details have been modified to protect privacy. This case is presented for informational purposes only.