Retirement conversations often start with a pension plan or a fund name. Start with a quieter number: what must arrive every month when salary stops?
From there you can see how much needs to be invested, how much should stay liquid, and what insurance still has a job after work ends.
A simple sequence
- Estimate the monthly spend you would actually keep
- Subtract income that will continue (rent, pension, a working spouse)
- Map the gap to SIPs and deposits with a date, not a slogan
FIN PILOT treats retirement as a flight plan across protection and wealth — so you are not sold a single product and called “done.”