Because joint planning isn’t optional — it’s essential.
Retirement isn’t just a personal milestone — it’s a shared journey. And yet, many couples approach it with different timelines, different expectations — and no unified plan. At Wimbledon Wealth, we work closely with couples across Dubai and internationally to ensure their retirement goals don’t just sound good in theory — they work together in practice.
Here are five key questions that every couple should be discussing, ideally with the support of a trusted adviser.
1. When do we both actually want to retire?
It seems simple — but it’s one of the biggest misalignments we see. One partner wants to slow down by 55. The other? Working till 65, or longer.
Led by Sophia Bhatti, we help couples explore these timelines openly and design structures that work whether you retire together — or stagger your exit from the workforce.
🟢 Tip: Use financial modelling to simulate “what if” scenarios. It brings clarity — and sometimes compromise.
2. What does retirement look like for each of us?
Does one partner dream of slow travel and coastal living, while the other wants to stay near family or pursue a new venture? Different visions can lead to very different financial needs. That’s why we build goals-based planning — helping couples identify joint and individual aspirations so we can plan for both.
3. Are our investments and pensions structured for tax efficiency?
Many expat couples hold assets across multiple jurisdictions. Without alignment, they risk double taxation, lost reliefs, and portfolio drag.
At Wimbledon Wealth, we take a cross-border view — making sure your pensions, savings, and investments work cohesively, not in silos.
🟢 Tip: Ask about QROPS and other offshore options that could benefit expat residents.
4. How do we plan for healthcare and long-term care?
Healthcare costs in retirement are rising. And they’re often under-planned.
Couples should consider:
- What coverage they’ll need post-employment
- Whether insurance will continue to serve them abroad
- How to fund unforeseen care costs if one partner’s needs change significantly
Sophia often works with clients to build in buffers and structure policies that protect both partners — even in uncertain health scenarios.
5. What happens if one of us passes away first?
No one likes to talk about it — but it’s essential.
From inheritance structuring to pension beneficiary planning, we ensure both partners are protected, informed, and confident about the legacy plan in place.
This is not just about wills — it’s about ownership clarity, liquidity access, and peace of mind.
🟢 Tip: Make sure all accounts and structures reflect your most current wishes — especially if either partner has prior marriages or dependents.
Retirement Planning is a Team Sport
If you’re planning retirement separately, you’re already behind.
At Wimbledon Wealth, we work with couples to bridge the gaps — financial and emotional — that can otherwise derail a confident retirement.
📍 Dubai-based. Internationally trusted.