Unlock Long-Term Protection and Efficiency
Through Tailored Tax & Trust Planning
As financial success accumulates and life priorities evolve, preparing for retirement becomes a defining step in securing both independence and legacy. For professionals, entrepreneurs, and families, strategic retirement planning ensures that your wealth works efficiently—supporting your lifestyle, preserving your assets, and sustaining your vision for the future.
At The Michele Carby Practice, we provide bespoke retirement solutions that adapt to your aspirations, investment profile, and global lifestyle. Whether you’re approaching retirement, restructuring existing plans, or looking to ensure long-term financial resilience, our team helps you transition with confidence, clarity, and control.
Comprehensive Retirement Strategies
Design holistic plans that integrate pensions, investments, and protection strategies to align with your long-term financial objectives.
Pension Consolidation & Optimisation
Streamline fragmented pensions into a unified, tax-efficient strategy that maximises returns and flexibility.
Cross-Border Retirement Planning
For globally mobile individuals, navigate complex jurisdictional rules to protect income, manage tax exposure, and secure global compliance.
Inheritance & Estate Tax Mitigation
Plan proactively to reduce estate tax liabilities while preserving control over asset distribution.
Income Sustainability & Cash Flow Management
Ensure your retirement income is reliable, inflation-protected, and structured to support your desired lifestyle.
Succession & Legacy Integration
Integrate retirement planning with broader estate and trust strategies to safeguard family wealth and achieve seamless intergenerational transfer
Retirement planning extends far beyond building a pension—it’s about achieving financial freedom on your terms. Strategic planning ensures that your wealth is positioned to support the life you’ve built, while safeguarding against uncertainty.
A well-structured retirement plan provides predictability in income, protection from market volatility, and a clear succession path. It also enhances tax efficiency by aligning your withdrawal strategies and asset allocations across jurisdictions.
For many high-net-worth individuals, the objective is not just financial sufficiency, but financial confidence—knowing that their capital is working effectively to sustain both lifestyle and legacy. With expert guidance, your retirement plan can evolve as your goals and circumstances change, providing peace of mind for every stage of life.
Our process begins with a detailed understanding of your financial circumstances, family priorities, residency considerations, and long-term objectives. From there, your advisor collaborates with our retirement and investment specialists to design a bespoke plan aligned with your unique goals.
We manage every element—from pension consolidation and income strategy to cross-border compliance and estate integration—coordinating with your legal, tax, and investment professionals.
Our service includes ongoing reviews to ensure your plan remains aligned with evolving markets, legislation, and lifestyle needs. The result is a future-ready structure designed to offer both security and flexibility.
Retirement planning is deeply personal. We take a holistic, values-based approach that looks beyond numbers—focusing on how you want to live, give, and be remembered.
We evaluate your current position, global exposure, and financial objectives.
We create tailored strategies that optimise your income, tax efficiency, and investment performance.
We oversee implementation and provide ongoing monitoring and reporting.
By combining foresight with flexibility, we help ensure your retirement plan not only protects your wealth—but empowers your next chapter with purpose and confidence.
