I want to stop working before 60, but I don’t know if I can afford it

Early retirement sounds appealing. But it can be costly if you do not run the numbers in time.

That could be your situation if you earn well, have saved a good amount, but do not know whether it is enough to stop working.

That is how Javier came to Quality Finance.

Javier, 52, senior partner at a Madrid law firm

After more than 25 years working at a high level, Javier started thinking about a change of pace. He wanted to leave law in a few years and live with less stress.

Financially, he did not feel badly positioned. He had accumulated over €320,000 in funds and ETFs, owned two mortgage-free properties, and had annual income of over €120,000. But he had no clarity.

How much could he spend if he stopped working at 58? Would his investments be enough, or would he have to sell property?

A friend recommended he come to Quality Finance.

What we did together

We projected realistic scenarios to age 90, simulating retirement at 58, 60 and 62.

We calculated the minimum return his capital needed, without taking on unnecessary risk.

We analysed his cash flow and liquidity so he would not need to depend on selling property.

We optimised his tax position by planning progressive fund withdrawals to reduce his tax bill.

We adjusted his investment plan for a more stable, lower-risk horizon aligned with his new life stage.

Thanks to the plan, Javier understood he could retire earlier if he adjusted certain expenses, without selling property or taking unnecessary risks. He now has a clear roadmap to a calm and early retirement.

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