Understanding retirement
The term “retirement” is perhaps a clumsy term.
We withdraw from professional life, of course, but it is to embrace another dynamic, to enter a new phase of existence where passions, travel and family can finally take a central place.
In fact, retirement is not a withdrawal, it is above all a transition.
Hence the enthusiasm often, hence, also, some financial concerns.
There is uncertainty as to future income, the number of quarters of contribution required for a full rate, additional points, the possibility of buying back quarters, the impact of a change of status on future pensions, the rules for combining employment and retirement, and all the specificities of atypical career paths.
Marilyn Vilardebo wants to be understanding, a quality that is all the more valuable as it accompanies frank joviality: “You can't be an expert on your retirement rights... since you only take it once in your life!
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Prepare well for retirement
More than forty pension funds in France, each with its own rules, its own calculation methods, all within a system set up after the war, and enhanced by a succession of reforms... The less than the we can say that the legislation is quite puzzling.
Preparing for retirement demonstrates a long-term vision in managing your financial life.
However, everyone will have understood the difficulty of navigating alone in these troubled waters.
Through its mastery of pension systems and its current regulations as well as fund processes, Origami&Co is, precisely, the beacon that was missing.
It’s about building the best possible retirements at the most opportune times.
No more no less.
Origami&Co's approach can ultimately be summed up in two verbs: simplify and anticipate.
Simplify retirement planning.
Simplify despite the constant evolution of the system.
A strategy, therefore: offer recommendations based on the career and personal situation of each interlocutor to anticipate the most suitable strategy.
Waiting until the last minute is rarely a good idea
Marilyn Vilardebo wants to be reassuring: “Retirement is not an ax.
There are a whole bunch of tools that allow you to choose the appropriate date, amount and device.”
It is not forbidden to improve your rights... one of the specificities of Origami&Co consists of preparing for retirement well in advance.
At first glance, we are a little surprised, but it is true that thinking about it before the age of fifty-five has something rational about it.
Wise.
Take charge of your retirement file in anticipation.
Outside of combining employment and retirement, we inevitably have a drop in income.
Hence the importance, from the age of fifty, of “taking a photograph of your career, checking that everything is properly recorded, or gathering your papers,” explains Marilyn Vilardebo.
That's ultimately what it means to have a sense of strategy.
Be free.
An approach to which we do not spontaneously give in around ten years before the legal age.
“The business manager comes to us with the expected questions: 'what date should I take it', 'is it in my interest to buy back quarters?'” 'how much will I receive?', 'my statement career path is that correct?”
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In most situations, Origami&Co proceeds according to a proven method.
First, an initial diagnosis based on the career report.
It is a document that teams know how to read and use instantly.
From there, a scope of intervention will emerge, the outlines of what will need to be calculated and projected.
“We have a growing number of people who are clearly telling us that they will not work until they are sixty-four!
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The interest of a competent interlocutor is also there: knowing, precisely, the impact of decisions on the amount of pensions, that is to say planning with complete lucidity.
At Origami&Co, we detect on average six to eight anomalies per career.
In other words, any serious response requires the prior analysis of the experts involved.
From there come these “victories” of which the team never tires.
Each file gives off a scent of mission!