Transforming Senior Wellbeing
SeniorExpert stands as an independent advisor dedicated to elevating the financial wellbeing of people over fifty. The official launch centers on a humane, client first approach with the aim of helping clients live with peace of mind, maintain financial independence, and ensure they have what they need throughout a long life.
A notable aspect of the program is the inclusion of retired and pre-retired individuals as agents. By leveraging their experience, they support clients and create a mutual benefit loop that enhances financial wellbeing for other seniors.
Transforming Elder Wellbeing
SeniorExpert offers Planning and Economic Optimization services that particularly assist those facing major life changes such as divorce, the death of a partner, job loss, disability, or retirement. These services are designed for a broad audience seeking to optimize finances and live with greater security and confidence.
The approach blends advanced technology with personal contact through agents who accompany clients throughout the process. They ensure every client feels heard and understood, delivering personalized and precise insights. This value proposition brings high value service to Spain, previously unfamiliar to many people in the population.
Innovation in Economic Planning
SeniorExpert provides a comprehensive service that evaluates a client’s current and future situation and designs a personalized plan to optimize savings and generate income. The process begins with a detailed questionnaire about the client’s current and future finances. It then projects future income and expenses, considering inflation and pensions. Resources are optimized by reviewing bills and cancelling non optimal products, and a Long Term Asset Plan is designed to balance the client’s finances, evaluating assets and considering the desired legacy. Finally, a detailed report is presented and ongoing follow up is provided to adjust the plan as needed to meet the client’s vital objectives.
This approach to planning and economic optimization is groundbreaking and pioneering, aimed at democratizing access to high quality services.
Innovative Liquidity Solutions
SeniorExpert helps seniors unlock additional income using the value of their home without selling it. The company studies multiple liquidity options tailored for older adults, including the Sale of the Naked Ownership, the Reverse Mortgage, and the Life Annuity Realty. It is crucial to understand the pros and cons of each option, as even among similar products offered by different institutions there can be important differences. SeniorExpert guides clients to choose the best option based on their specific needs.
Turbocharging Senior Talent
The SeniorExpert initiative creates employment opportunities for a demographic that often struggles to reenter the job market. It offers retirees and pre retirees the chance to serve as agents, opening new career possibilities and redefining their role in society. These professionals help other seniors cover evolving needs, creating a positive cycle of impact among older adults.
SeniorExpert drives senior talent by offering a career continuity plan for retirees, pre retirees, or those currently out of work who join as agents, bringing their extensive experience and knowledge to improve the financial wellbeing of other seniors. This initiative creates a positive social impact by providing work opportunities to a demographic that often faces barriers to reentry into the job market or ongoing careers.
Lupina Iturriaga, cofounder of SeniorExpert, says, We work with clients of all ages, from women around forty five who recently divorced and need to plan their finances, to retirees over seventy five who want to know their savings will be enough. Each case is unique, but generally it is reassuring to know everything is optimized, to understand how fast they can spend, and whether they can support their children. Life is long and planning is essential; nobody wants to be a burden.
Leadership Team and National Expansion
The leadership team at SeniorExpert includes Lupina Iturriaga, Sergio Chalbaud, and Iván Fernández Valdés. They bring extensive experience in finance, real estate, and technology. The company currently operates a network of ten agents and plans continued growth to meet rising demand across the country.
Importance and Relevance of Economic Planning
Economic planning and optimization play a crucial role in a society where life expectancy continues to rise. In Spain, more than nine million people over sixty five face significant financial challenges, with a large portion of savings tied up in property and many relying primarily on a pension. Studies show retirees experience increased stress due to concerns about sustaining income. of Spain and CSIC reports.
One in five children provides financial help to their parents, underscoring the need for solid financial planning. Changes in personal circumstances often require new financial strategies. For example, annually there are more than one hundred thousand divorces in Spain, and reorganizing families and adjusting finances calls for plans that address immediate and long term financial needs, ensuring stability in the new chapter.
In Spain, SeniorExpert stands out as a pioneer in providing planning services with a comprehensive and personalized approach. In the United States there were eighty eight thousand nine hundred planning professionals at the end of 2023, and in the United Kingdom about seven thousand people used such services at least once in their lives, illustrating global acceptance of professional financial planning.
Commitment to Society
SeniorExpert emphasizes an ethical and sustainable approach to business. The company is dedicated to creating a positive impact guided by values such as transparency, empathy, and professionalism. The aim is to ensure every financial decision is based on complete information tailored to individual needs, safeguarding the wellbeing of clients and their families.