I’m receiving an inheritance and I 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 career of over 30 years in technology companies, Manuel decided to move back to Valencia with his partner. He had never worried much 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 mother — who had just turned 91 — mentioned she was struggling to make ends meet with her pension. That was the trigger.

“What if the same happens to me? Have I done the maths?”

Talking to a close friend, she recommended coming to Quality Finance to review his situation in depth.

What we did together

At Quality Finance we approached his retirement planning in detail, with no 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 act now than regret later

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

All case details have been modified to protect privacy. Presented for informational purposes only.