A Global Perspective for a Secure Future
At Gifford Roth, retirement planning is about far more than reaching a financial goal. It’s about designing a future that aligns with your international lifestyle, personal values, and long-term vision. Whether you’re a globally mobile professional, an expatriate nearing retirement, or an offshore investor planning ahead, we provide the clarity, strategy, and expertise to help you retire on your terms.
Why Retirement Planning Matters
A comfortable and secure retirement doesn’t happen by chance. It requires thoughtful, cross-border planning, disciplined investing, and continuous refinement as your life evolves. A well-structured retirement plan can help you:
Tailored Retirement Roadmaps
We begin with a deep understanding of your current situation and future aspirations. This includes:
- Preserve your lifestyle, no matter where you choose to retire
- Protect against inflation, longevity, and currency risk
- Manage multi-jurisdictional regulations, taxes, and reporting requirements
- Coordinate retirement strategies across borders and asset classes
With Gifford Roth, you gain a partner that understands the complexities of international wealth, and how to plan around them.
Our Retirement Planning Services
Our approach is holistic and highly personalised. We build every retirement plan to fit the client’s unique circumstances, with a focus on flexibility, risk management, and cross-border awareness.
Tailored Retirement Roadmaps
We begin with a deep understanding of your current situation and future aspirations. This includes:
- Preferred retirement age and location
- Current asset base and income sources
- Future spending expectations
- Tax residency considerations and jurisdictional complexities
We use detailed financial modelling to project multiple retirement scenarios, incorporating variables such as inflation, asset performance, and currency exposure.
Global Investment Strategy
Your retirement portfolio must be globally diversified, tax-efficient, and suited to your timeline. We offer:
- Multi-currency investment strategies
- Access to international funds, ETFs, and private investments
- Strategic asset allocation across regions and sectors
- Portfolio de-risking as retirement approaches
We monitor and adjust your investment plan continuously to align with shifting markets, currencies, and global events.
Retirement Income Structuring
Creating sustainable income in retirement requires careful planning. We help you:
- Identify and optimise income-producing assets
- Structure drawdown strategies that preserve capital
- Manage timing and sequencing of withdrawals
- Plan for currency conversions and local cost-of-living needs
Our goal is to provide you with stable income while ensuring your capital can endure for the long term.
Cross-Border Tax Planning
Our team works closely with international tax advisers to help you navigate complex tax landscapes and regulatory frameworks. We assist with:
- Jurisdictional tax optimisation for investments and withdrawals
- Planning around tax treaties and reporting obligations
- Multi-currency account structures for efficiency
- Residency and domicile considerations impacting your plan
Tax planning is embedded into every stage of our retirement process, helping protect and preserve your global wealth.
Estate & Legacy Planning
Your retirement plan isn’t complete without addressing what happens after. In coordination with legal professionals, we support:
- Cross-border estate planning strategies
- Trust structures for asset protection and succession
- Planning for heirs living in different jurisdictions
- Philanthropic and legacy goals
We ensure your wishes are respected — wherever you and your beneficiaries reside.
Our Process: Designed for Global Investors
At Gifford Roth, our planning process reflects the international nature of our clients’ lives and assets:
- Discovery - We learn about your background, financial position, and lifestyle goals, including location preferences for retirement.
- Analysis - We assess your current strategy, modelling various retirement outcomes and accounting for international factors.
- Strategy Design - We build a tailored retirement plan covering investments, income, tax, and estate strategies — all with global mobility in mind.
- Implementation -We coordinate the plan with any legal, tax, or trust advisers already supporting you.
- Ongoing Guidance - We conduct regular reviews and adapt the plan as your circumstances or regulations change.
Why Gifford Roth?
Gifford Roth specialises in wealth management for expatriates, international families, and globally mobile professionals. Our retirement planning services are trusted because we offer:
- Independent, fiduciary advice, always in your best interest
- Expertise in cross-border finance and multi-jurisdictional investing
- Access to global investment solutions through regulated platforms
- Clear communication and structured advice, wherever you are in the world
We understand the global context of your life and we help you plan accordingly.
Let’s Plan Your Retirement Together
Whether you’re planning to retire in Europe, Asia, the Middle East, or beyond, Gifford Roth offers the insight and experience to help you prepare with confidence. Your retirement plan should reflect the complexity of your life, and the simplicity of your goals.