{"id":106100,"date":"2025-03-05T09:20:02","date_gmt":"2025-03-05T08:20:02","guid":{"rendered":"https:\/\/www.tressis.com\/?p=106100"},"modified":"2025-03-18T13:05:53","modified_gmt":"2025-03-18T12:05:53","slug":"planificacion-por-retiro-profesional","status":"publish","type":"post","link":"https:\/\/www.tressis.com\/ca\/blog\/planificacion-por-retiro-profesional\/","title":{"rendered":"Planificar nuestro retiro profesional"},"content":{"rendered":"<p>A medida que nos acercamos al <a href=\"https:\/\/www.youtube.com\/watch?v=glUzN6cBXV4\" target=\"_blank\" rel=\"noopener\">retiro profesional<\/a> surgen una serie de dudas respecto a c\u00f3mo utilizar nuestro patrimonio para mantener el nivel de vida futuro una vez dejemos de trabajar activamente, <strong>qu\u00e9 pensi\u00f3n p\u00fablica percibiremos<\/strong> o c\u00f3mo generar rentas de la forma m\u00e1s eficiente financiera y fiscalmente.<\/p>\n<p>&nbsp;<\/p>\n<p>Por ello, es importante realizar una planificaci\u00f3n financiera de nuestro patrimonio, es decir, realizar el dise\u00f1o, ejecuci\u00f3n y seguimiento de una estrategia continua que nos ayude a<strong> tomar decisiones racionales y coordinadas<\/strong> para cuantificar y alcanzar nuestros objetivos.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.tressis.com\/objetivos-financieros\/?utm_source=web_publica&amp;utm_medium=direct&amp;utm_campaign=descarga_paper&amp;utm_term=objetivos&amp;utm_content=blog_planificacion\" target=\"_blank\" rel=\"noopener\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-106142\" src=\"https:\/\/www.tressis.com\/wp-content\/uploads\/2025\/03\/CTA-Objetivos-Financieros-blog.webp\" alt=\"Gu\u00eda para definir tus objetivos financieros a largo plazo\" width=\"800\" height=\"354\" srcset=\"https:\/\/www.tressis.com\/wp-content\/uploads\/2025\/03\/CTA-Objetivos-Financieros-blog.webp 800w, https:\/\/www.tressis.com\/wp-content\/uploads\/2025\/03\/CTA-Objetivos-Financieros-blog-300x133.webp 300w, https:\/\/www.tressis.com\/wp-content\/uploads\/2025\/03\/CTA-Objetivos-Financieros-blog-768x340.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>En paralelo, es necesaria una <strong>adecuada gesti\u00f3n del patrimonio<\/strong> que nos asegure contar con la liquidez suficiente para afrontar el posible d\u00e9ficit entre los ingresos y gastos a partir del momento de la jubilaci\u00f3n o <a href=\"https:\/\/www.tressis.com\/planificacion-retiro-profesional\/\" target=\"_blank\" rel=\"noopener\">retiro profesional<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>Una<a href=\"https:\/\/www.tressis.com\/ayuda-planificacion-financiera\/\" target=\"_blank\" rel=\"noopener\"><strong> planificaci\u00f3n financiera<\/strong><\/a> debe contemplar aspectos legales, fiscales y financieros de nuestro patrimonio y adaptarlos a la situaci\u00f3n personal y necesidades esperables futuras.<\/p>\n<p>&nbsp;<\/p>\n<p>De este modo, tendremos que:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Estimar cu\u00e1les son los momentos adecuados para este retiro<\/strong> en funci\u00f3n de las circunstancias laborales, bases de cotizaci\u00f3n y a\u00f1os cotizados. Para ello se deber\u00e1 estudiar el coste de oportunidad de jubilarse a distintas edades en funci\u00f3n de los ingresos futuros recibidos por la pensi\u00f3n p\u00fablica.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Analizar c\u00f3mo cambiar\u00e1n los ingresos y la capacidad de ahorro<\/strong> a partir del momento de jubilarse o retirarse. El diagn\u00f3stico y an\u00e1lisis de esta situaci\u00f3n patrimonial permite conocer cu\u00e1les son nuestras necesidades financieras y en qu\u00e9 medida est\u00e1n cubiertas por los ingresos esperados.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Disponer de una estimaci\u00f3n razonable<\/strong> de la evoluci\u00f3n del patrimonio antes y despu\u00e9s de la jubilaci\u00f3n o retiro profesional.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Dise\u00f1ar un plan de desinversi\u00f3n<\/strong>\u00a0que permita hacer frente a las necesidades futuras de liquidez. Habr\u00e1 que optimizar desde un punto de vista financiero-fiscal las posibles desinversiones que se requieran para generar la liquidez necesaria. El c\u00e1lculo de las desinversiones realizadas depende del activo en cuesti\u00f3n y sus posibles ventajas fiscales.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><strong>Cubrir nuestras necesidades desde el momento del retiro<\/strong><\/h2>\n<p>Consideramos importante que el estudio permita ver, de forma sencilla, el impacto que tienen las desinversiones que deberemos realizar para cubrir nuestras necesidades desde el momento de la jubilaci\u00f3n o retiro hasta la edad que se ha estimado que se vivir\u00e1, pudiendo servir de orientaci\u00f3n la marcada por la esperanza de vida, aunque recomendamos alargar estas expectativas dado que es habitual superarlas.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>El estudio impositivo puede ser m\u00e1s amplio que el propio de IRPF<\/strong>, por ejemplo, impuestos municipales derivados de transmisiones inmobiliarias. Para patrimonios altos hay que contemplar actualmente\u00a0 los efectos fiscales de nuestras decisiones en el impuesto sobre patrimonio.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Contemplar decisiones de car\u00e1cter sucesorio<\/strong><\/h2>\n<p>Adem\u00e1s, dentro de esta planificaci\u00f3n por retiro profesional hay que contemplar decisiones de <a href=\"https:\/\/www.tressis.com\/blog\/planificacion-sucesoria-una-obligada-necesidad\/\" target=\"_blank\" rel=\"noopener\">car\u00e1cter sucesorio<\/a>, que dependiendo de las circunstancias personales pueden ser incluso un elemento central de la misma.<\/p>\n<p>&nbsp;<\/p>\n<p>Finalmente, una vez generado el plan de acci\u00f3n, este debe considerarse din\u00e1mico. Hay que <strong>hacer un seguimiento peri\u00f3dico<\/strong>, puesto que con el paso del tiempo pueden variar nuestras circunstancias personales o patrimoniales, e incluso pueden suceder cambios normativos relevantes. De este modo, ser\u00e1 necesario que haya revisiones peri\u00f3dicas con el fin de analizar el cumplimiento de la obtenci\u00f3n de rentas necesarias. Si existieran modificaciones jur\u00eddicas y fiscales que afecten las conclusiones indicadas, estas deber\u00e1n ser revisadas.<\/p>\n<p>&nbsp;<\/p>\n<p>En Tressis contamos con un <strong>departamento especializado en planificaci\u00f3n financiera y fisca<\/strong>l con una amplia experiencia que puede ayudarle a optimizar su patrimonio cuando se acerque su retiro profesional. <strong>Antic\u00edpese<\/strong> realizando una adecuada planificaci\u00f3n financiera y fiscal. Consulte con su asesor o p\u00f3ngase en <a href=\"https:\/\/www.tressis.com\/contacto\/?utm_source=web_publica&amp;utm_medium=direct&amp;utm_campaign=contacta_con_tressis&amp;utm_content=blog_planificacion_retiro_profesional\" target=\"_blank\" rel=\"noopener\">contacto con nosotros<\/a> para disponer de m\u00e1s informaci\u00f3n.<\/p>\n<p>&nbsp;<\/p>\n<p><center><strong>Jos\u00e9 Mar\u00eda Palacios<\/strong><br \/>\nPlanificaci\u00f3n financiera<\/center><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A medida que nos acercamos al retiro profesional surgen una serie de dudas respecto a c\u00f3mo utilizar nuestro patrimonio para mantener el nivel de vida futuro una vez dejemos de trabajar activamente, qu\u00e9 pensi\u00f3n p\u00fablica percibiremos o c\u00f3mo generar rentas de la forma m\u00e1s eficiente financiera y fiscalmente. &nbsp; Por ello, es importante realizar una [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":106169,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8558,16],"tags":[],"class_list":["post-106100","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jubilacion","category-planificacion-financiera"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Planificar nuestro retiro profesional<\/title>\n<meta name=\"description\" content=\"Una planificaci\u00f3n financiera por retiro profesional debe contemplar aspectos legales, fiscales y financieros de nuestro patrimonio.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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