Clarity, Structure, and Confidence for Life’s Next Chapter
At Banfield Capital, retirement planning is about more than preparing for the end of a career. It is about creating financial independence, designing a sustainable path forward, and ensuring that the lifestyle you envision can be supported for decades. Whether you plan to retire in your home country, remain abroad, or transition between regions, our advisors help you navigate every step with clarity and confidence.
We take a comprehensive, forward looking approach that considers income needs, investment strategy, cross-border issues, long-term risks, and legacy goals. Our mission is to help clients build a retirement plan that is flexible, durable, and aligned with the life they want to live.
Clients choose our retirement planning services for:
Structured income planning tailored to evolving needs over time.
Portfolio design and risk management aligned with retirement horizons.
Cross-border planning for clients with international ties or multiple residences.
Tax-efficient withdrawal strategies that protect long-term capital.
Guidance on longevity planning, healthcare, and legacy considerations.
Banfield Capital helps clients turn retirement from a distant concept into a clear, actionable plan.
Building a Long-Term Retirement Strategy
A successful retirement plan begins with a holistic understanding of where you are and where you want to go. Our advisors work closely with clients to define key goals such as desired lifestyle, location plans, family needs, philanthropic intentions, and future obligations.
We analyze existing savings, pensions, employer plans, investment portfolios, and insurance coverage. We then identify potential gaps and opportunities, mapping out a strategy that integrates risk tolerance, liquidity needs, market conditions, and expected life span.
Retirement planning is not static. Economic conditions and personal circumstances change, and our advisors adjust strategies over time to ensure that clients remain on track. Through ongoing reviews and scenario analysis, we help clients stay prepared for both expected and unexpected developments.
Designing the Retirement Portfolio
The retirement portfolio must serve multiple purposes. It should provide long-term growth before retirement, stability during the transition phase, and reliable income throughout retirement years. Banfield Capital builds portfolios that evolve across these stages.
Our retirement portfolios often combine:
- Global equity exposure for long-term growth.
- High-quality fixed income and private credit for income and stability.
- Inflation-sensitive assets such as real estate or infrastructure.
- Multi-currency considerations for clients living or retiring abroad.
- Opportunistic private investments where appropriate for long-term growth.
We align each allocation with the client’s retirement timeline and risk preferences. During the years leading up to retirement, we focus on growth and disciplined accumulation. As retirement nears, we gradually shift emphasis toward income stability, capital preservation, and liquidity.
Our risk management process includes stress testing, scenario analysis, and ongoing monitoring to ensure that the portfolio remains aligned with long-term objectives, even during periods of market volatility.
Income, Withdrawals, and Tax Planning
One of the most important elements of retirement planning is establishing a reliable and tax-efficient income strategy. We help clients coordinate withdrawals from investment accounts, pensions, retirement plans, and other assets in a way that preserves capital and minimizes unnecessary tax burden.
Our advisors consider:
- Required minimum distributions and timing rules.
- Asset location strategies to reduce long-term tax exposure.
- Currency considerations for expatriates or globally mobile retirees.
- Sequencing of withdrawals to optimize longevity of assets.
- Contingency liquidity for unexpected needs or market declines.
We coordinate with tax advisors to ensure that every part of the withdrawal strategy is integrated and compliant with local and cross-border regulations.
Cross-Border Retirement Planning
Many of our clients build careers in one country and retire in another. This creates unique considerations around taxation, residency, currency, and asset structure. Banfield Capital specializes in coordinating retirement planning across jurisdictions.
We help clients evaluate the financial impact of relocating, transferring assets, receiving pensions abroad, and maintaining accounts in multiple currencies. Our team works with global tax professionals and legal advisors to ensure that retirement strategies remain cohesive, efficient, and properly documented.
Whether retiring in your home country, staying abroad, or relocating multiple times, we provide a clear plan that adapts to international mobility.
Case Study: A Structured Path for a Global Technology Professional
A client, a Senior Product Manager at a Global Software Company, approached Banfield Capital in his early fifties with the goal of retiring within twelve years. He held assets in three countries, participated in two employer retirement plans, and received compensation in multiple currencies. He needed a cohesive strategy that would account for global mobility and provide lasting income.
Our advisory team created a retirement plan that consolidated several accounts into a streamlined structure, rebalanced his portfolio to align with his retirement timeline, and introduced tax-efficient withdrawal strategies. We also evaluated the financial impact of retiring abroad and coordinated with tax advisors to address cross-border considerations.
Over time, we implemented a phased transition toward income-producing assets, increased currency diversification, and established a contingency liquidity plan. The client now has a clear path to retirement based on structure, transparency, and confidence.
“Banfield Capital helped me understand how all the pieces fit together. I finally have a plan that makes sense, no matter where I choose to retire.”
– Senior Product Manager, Global Software Company
Why Clients Choose Banfield Capital for Retirement Planning
Holistic planning that integrates investments, income strategy, and cross-border considerations.
Custom portfolios tailored to each stage of retirement readiness.
Transparent advice focused on long-term outcomes.
Expertise in global mobility and international retirement structures.
Personalized support from advisors who understand your goals and values.