{"id":15317,"date":"2010-08-17T09:46:12","date_gmt":"2010-08-17T07:46:12","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/retraite\/bilan-retraite-a-qui-s-adresser-et-quel-interet-pour-le-futur-retraite.html"},"modified":"2021-12-08T13:50:57","modified_gmt":"2021-12-08T12:50:57","slug":"bilan-retraite-a-qui-s-adresser-et-quel-interet-pour-le-futur-retraite","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/retraite\/bilan-retraite-a-qui-s-adresser-et-quel-interet-pour-le-futur-retraite.html","title":{"rendered":"Bilan retraite : \u00e0 qui s’adresser et quel int\u00e9r\u00eat pour le futur retrait\u00e9"},"content":{"rendered":"

:
\n– Les banques et soci\u00e9t\u00e9s d’assurance qui proposent un service gratuit dont l’objectif in fine est de proposer des produits de placement du type PERP ou assurance vie
\n– Les cabinets sp\u00e9cialis\u00e9s et ind\u00e9pendants qui effectuent des services payants<\/p>\n

C’est aux prestations r\u00e9alis\u00e9es par ces derniers que nous nous int\u00e9ressons ici.<\/p>\n

 <\/p>\n

Nature des prestations r\u00e9alis\u00e9es par les soci\u00e9t\u00e9s sp\u00e9cialis\u00e9es<\/strong><\/p>\n

Les formules r\u00e9alis\u00e9es directement aupr\u00e8s des particuliers varient quelque peu selon les soci\u00e9t\u00e9s mais en r\u00e8gle g\u00e9n\u00e9rale, l’\u00e9tablissement d’un bilan retraite revient \u00e0 la reconstitution de votre carri\u00e8re professionnelle \u00e0 partir des \u00e9l\u00e9ments que vous avez fournis et des informations transmis par les organismes de retraite concern\u00e9s. Ils sont g\u00e9n\u00e9ralement en mesure de traiter la reconstitution de votre carri\u00e8re m\u00eame si vous \u00eates polypensionn\u00e9 (assur\u00e9s qui ont chang\u00e9 de statut au cours de leur parcours professionnels, qui rel\u00e8vent de ce fait de plusieurs r\u00e9gimes de retraite de base) ou si vous avez effectu\u00e9 toute ou partie de votre carri\u00e8re \u00e0 l’\u00e9tranger.<\/p>\n

Le bilan retraite donne lieu \u00e0 l’\u00e9dition d’un document o\u00f9 figurent en g\u00e9n\u00e9ral :
\n– votre historique de carri\u00e8re,
\n– une estimation de l’\u00e2ge o\u00f9 le futur retrait\u00e9 peut obtenir sa pension \u00e0 taux plein
\n– le montant de ladite pension (mensuelle et\/ou annuelle) que vous allez percevoir
\n– votre taux de remplacement (c’est-\u00e0-dire le rapport en % entre votre pension nette et votre dernier salaire net)
\n– les droits \u00e0 r\u00e9version de votre conjoint en cas de d\u00e9c\u00e8s
\n– le montant \u00e0 \u00e9pargner pour augmenter votre revenu une fois \u00e0 la retraite
\n– des projections des montants de pension et du taux de remplacement si vous souhaitez partir \u00e0 un \u00e2ge diff\u00e9rent (mesure de l’impact sur la pension d’un d\u00e9part anticip\u00e9 ou retard\u00e9)<\/p>\n

Certains acteurs proposent des prestations suppl\u00e9mentaires, \u00e9galement factur\u00e9es, du type \u00e9tude prospective, rachat de trimestres, d\u00e9l\u00e9gation \/ assistance au d\u00e9clenchement de la liquidation des droits avant la date de d\u00e9part, formations, etc.<\/p>\n

En savoir plus
\n<\/strong>Pr\u00e9sentation des soci\u00e9t\u00e9s sp\u00e9cialis\u00e9es dans la r\u00e9alisation de bilans retraite :
\n>> EOR – Expertise et Optimisation Retraites<\/strong>
\n>> ESSOR Retraite<\/strong><\/p>\n

>> Centre Toulousain du Patrimoine<\/strong>
\n>> France Retraite<\/strong>
\n>> Maximis Retraite<\/strong>
\n>> Mondial Assistance<\/strong>
\n>> Neovia Conseil<\/strong>
\n>> Novelvy Assistance Retraite<\/strong>
\n>> Optimaretraite<\/strong>
\n>> VB Expertise Retraite<\/strong><\/p>\n

>> R\u00e9f\u00e9rence Retraite
\n<\/strong>
\n>> Comparer les offres de bilan \/ audit retraite<\/strong><\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"

Pour \u00e9tablir un bilan retraite, vous pouvez adresser \u00e0 deux types d’acteurs<\/p>\n","protected":false},"author":13718,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-15317","post","type-post","status-publish","format-standard","hentry","category-preparation-a-la-retraite"],"acf":[],"yoast_head":"\nBilan retraite : \u00e0 qui s'adresser ?<\/title>\n<meta name=\"description\" content=\"Bilan retraite : \u00e0 qui s'adresser et quel int\u00e9r\u00eat pour le futur retrait\u00e9\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/bilan-retraite-a-qui-s-adresser-et-quel-interet-pour-le-futur-retraite.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" 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