Financial Protection: Insurance, Planning & Security Tips https://safeplanhub.com/en/category/financial-protection/ Stratégies financières et astuces pour sécuriser ton avenir Sat, 31 Oct 2026 06:37:25 +0000 en-US hourly 1 https://wordpress.org/?v=7.1.4 https://safeplanhub.com/wp-content/uploads/2025/09/cropped-favocan-1-32x32.jpg Financial Protection: Insurance, Planning & Security Tips https://safeplanhub.com/en/category/financial-protection/ 32 32 Protection: should gaps be filled before they grow? https://safeplanhub.com/en/protection-should-gaps-be-filled-before-they-grow/ https://safeplanhub.com/en/protection-should-gaps-be-filled-before-they-grow/#respond Sat, 31 Oct 2026 06:36:59 +0000 https://safeplanhub.com/?p=2236 Hello, Quentin here. Yes: identifying and filling a retirement savings gap early can reduce the effort required and prevent it from having a greater impact on your financial security. AHV and pension fund benefits are not always enough to maintain your desired standard of living in retirement. An irregular income, a period of part-time work...

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]]> https://safeplanhub.com/en/protection-should-gaps-be-filled-before-they-grow/feed/ 0 Financial protection: Is aiming for a round number a costly mistake? https://safeplanhub.com/en/financial-protection-is-aiming-for-a-round-number-a-costly-mistake/ https://safeplanhub.com/en/financial-protection-is-aiming-for-a-round-number-a-costly-mistake/#respond Thu, 29 Oct 2026 06:40:22 +0000 https://safeplanhub.com/?p=2204 Hi, it’s Quentin. Aiming for a round number in income protection can be costly if that amount doesn’t match your actual needs. A well-calibrated lump sum or annuity offers better protection than a target chosen for its simplicity. The right benchmark is the income you need to preserve and the expenses you need to cover....

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]]> https://safeplanhub.com/en/financial-protection-is-aiming-for-a-round-number-a-costly-mistake/feed/ 0 Financial planning: Does the target income hide the real expenses? https://safeplanhub.com/en/financial-planning-does-the-target-income-hide-the-real-expenses/ https://safeplanhub.com/en/financial-planning-does-the-target-income-hide-the-real-expenses/#respond Sat, 24 Oct 2026 04:49:44 +0000 https://safeplanhub.com/?p=2142 Hey, Quentin here. Yes: a target income can mask your actual expenses; first calculate your essential costs and financial needs, then adjust your coverage to that amount. Income protection should cover a specific shortfall, not just display a reassuring percentage. In 2026, also check the waiting periods, caps and tax rules in your policy. Things...

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]]> https://safeplanhub.com/en/financial-planning-does-the-target-income-hide-the-real-expenses/feed/ 0 Retirement planning: can one small oversight cost you years? https://safeplanhub.com/en/retirement-planning-can-one-small-oversight-cost-you-years/ https://safeplanhub.com/en/retirement-planning-can-one-small-oversight-cost-you-years/#respond Sat, 24 Oct 2026 04:14:44 +0000 https://safeplanhub.com/?p=2114 Quentin here. Yes: an oversight on your Agirc-Arrco statement can reduce your pension for years; check your points and request a correction as soon as you spot an anomaly. Missing periods of employment, incorrectly reported salaries or certain periods of unemployment can lead to a loss of entitlements. A few well-organized supporting documents and regular...

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