Mr. Budi - Optimizing Retirement Funds for a Worry-Free Future
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Mr. Budi had recently retired from a 30-year career in logistics. While he had accumulated savings and received a pension, he was unsure how to manage his funds long-term. With rising healthcare costs and uncertainty about his children’s education expenses, he wanted to be proactive—not reactive—with his finances.
Challenge
Though Mr. Budi wasn’t in debt, he faced new uncertainties:
No structured plan to manage his lump-sum pension payout
Unsure how to balance monthly living costs and long-term investment
Concerned about inflation eroding his purchasing power
Wanted to support his grandchildren’s future education without sacrificing his lifestyle
No will or estate planning set up
Solution
Taxfirm provided a holistic retirement strategy:
Conducted a full retirement asset assessment
Allocated funds into 3 buckets: Daily living, Medium-term growth, Long-term preservation
Shifted some cash into inflation-resistant instruments like government bonds
Helped set up a monthly drawdown plan from investment returns
Advised on health insurance optimization and long-term care planning
Guided him through estate planning & inheritance setup
Result
Reduced emotional stress around unpredictable expenses
Built a sustainable monthly income stream from investments
Structured plan for grandkids’ education funding
Peace of mind knowing his family is protected and informed
