Separate each source of retirement income
List state pensions, occupational pensions, private annuities, investment withdrawals and rental income separately. Ask the authority which documents demonstrate qualifying income and whether it must be regular, guaranteed or transferred locally. A bank balance and a pension payment may not be treated the same way by an application process.
Plan for the whole household
Check the age rules, dependant rules and health-insurance requirements for everyone moving. Compare local access to care with the coverage you can keep from your current country. Budget for translations, medical documentation and renewal appointments as well as government fees.
Review pensions before moving
Get a separate assessment of how each pension and any lump sum would be treated in the departure country and destination, including the relevant treaty. The ordinary income-tax rate in a country profile cannot determine the treatment of every pension. Keep a record of the advice and the assumptions used.