Shape Your Retirement Journey Like Your Dream Holiday
Most people spend more time planning vacations than preparing for retirement. At Financial Rakshak, we flip that perspective. We support you in getting retirement-ready — so you can aim to enjoy your golden years with confidence.
Whether you wish to retire early, semi-retire, or simply live with peace of mind after 60, we provide structured retirement preparedness support aligned with your income, family needs, health, and future goals.
Why Securing Your Retirement Is Essential in India
A well-planned retirement gives you peace of mind, independence, and the freedom to live life on your terms.
What Our Retirement Preparedness Services Include
Retirement Goal Mapping
We assess:
- Desired retirement age and lifestyle
- Monthly expenses adjusted for inflation
- Healthcare and emergency needs
- Travel, leisure, and legacy goals
This becomes the base for all investment and withdrawal strategies.
Corpus Projection and Gap Analysis
We calculate how much you’ll need by retirement and how much you already have.
- Future value estimation using inflation assumptions
- Retirement income vs. expenses projection
- Gap identification and timeline for correction
Pension and Passive Income Planning
We help build multiple income streams:
- SWP from mutual funds
- Annuities and pension products
- Senior citizen savings schemes (SCSS, PMVVY)
- Real estate rental income strategies
We balance security, liquidity, and returns based on age and risk profile.
Investment Strategy for Retirees and Near-Retirees
We restructure your portfolio to:
- Reduce equity exposure with age
- Create low-risk fixed income ladders
- Allocate for medical and travel goals
Health and Contingency Preparedness
We plan for:
- Health insurance coverage (individual/senior citizen plans)
- Emergency corpus management
- Critical illness and long-term care riders
Estate & Inheritance Support Services
We help you:
- Create a basic will for assets
- Plan nominations and joint holdings
- Discuss family trusts or inheritance strategy
Who Should Start Retirement Roadmap?
Working professionals aged 25+ looking for early retirement
Individuals aged 40–50 with no pension provision
Salaried or self-employed people with irregular savings
Women planning financial independence post-60
Parents with growing healthcare needs and family support
The earlier you start, the easier it is to achieve your target corpus.
Together We Can Do More
Retirement Roadmap Mistakes to Avoid
We help you avoid these and build a balanced, practical retirement roadmap.
Client Case Studies
Our 5-Step Retirement Roadmap Process
Discovery Call
Understand lifestyle, goals, expectations
Data Analysis
Income, expenses, investments, insurance
Plan Design
Asset allocation, SIPs, pension, annuity strategies
Implementation
Help set up SIPs, policies, etc.
Monitoring
Annual reviews, plan updates, goal tracking
Why Choose Financial Rakshak?
Transparent, ethical, goal-first guidance
12+ years of client trust in financial planning
1000+ families served across India
No product pushing, only practical plans
Expertise in post-retirement cash flow management
“We had no idea how much we needed to retire. After one month with Financial Rakshak, we had a clear plan, timeline, and peace of mind.”
— Rachna & Dev, Pune
FAQs: Retirement Roadmap in India
Ideally in your 20s or 30s. But even if you’re in your 40s or 50s, it’s never too late to start.
Depends on your lifestyle, inflation, healthcare needs, and desired age. We help calculate and close the gap.
Usually not. They’re good tools, but inadequate for 20+ years of retirement.
Yes, we guide clients on withdrawals, rebalancing, and annuities.
