Retirement Planning Services | Secure Your Future with PATHFINDERS

AMFI-Registered Mutual Fund Distributor

Retirement Planning

Building Financial Security for a Stress-Free, Independent Future

Retirement is not merely the end of a working career—it is the beginning of a new phase of life that deserves stability, dignity, and peace of mind. At PathFinders, our Retirement Planning service is designed to help individuals and families prepare for this phase with clarity, confidence, and financial independence.

In an environment of rising life expectancy, inflation, and changing lifestyles, retirement planning requires thoughtful structuring and long-term discipline. We help clients understand their future needs and align investments accordingly—so retirement becomes a period of freedom, not financial uncertainty.

Our Retirement Planning Philosophy

We believe that effective retirement planning is not about chasing returns; it is about predictability, sustainability, and protection. Our role is to guide clients in structuring their finances so that they can maintain their desired lifestyle while managing risks associated with longevity and market fluctuations.

Our Retirement Planning Process

1. Understanding Your Retirement Goals

We begin by understanding your unique retirement vision, including:

Lifestyle expectations and recurring expenses

Healthcare and medical considerations

Family responsibilities and legacy intentions

2. Estimating Retirement Corpus & Cash Flows

Based on your goals and timelines, we help estimate:

The corpus required to support post-retirement life

Expected income streams during retirement

The impact of inflation on long-term expenses

3. Investment Structuring for Retirement

We assist in aligning investments to retirement timelines using:

Growth-oriented investments during the accumulation phase

Gradual risk reduction as retirement approaches

Balanced strategies to support income needs post-retirement

4. Managing Risk Before and After Retirement

Risk management becomes increasingly important as retirement nears.

We focus on:

Reducing volatility closer to retirement

Ensuring sufficient liquidity for regular expenses

Protecting capital while maintaining reasonable growth

5. Periodic Review & Course Correction

Retirement planning is dynamic. Changes in income, health, family needs, or market conditions may require adjustments.

We provide:

Regular reviews of retirement plans

Adjustments to investments and strategies as needed

Ongoing guidance through different retirement stages

Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.

Pathfinders is a AMFI registered Mutual Fund Distributor with ARN-155462.
It is also registered as a sub broker to Prudent Corporate Advisory Services with AMFI ARN-9992. It is also IRDA registered insurance advisor.

Grievance Officer- contact@pathfindersfin.com