{"id":10807,"date":"2026-05-21T15:59:50","date_gmt":"2026-05-21T13:59:50","guid":{"rendered":"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/?page_id=10807"},"modified":"2026-06-11T22:19:50","modified_gmt":"2026-06-11T20:19:50","slug":"infographies-retraite-2","status":"publish","type":"page","link":"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/infographies-retraite-2\/","title":{"rendered":"Infographies retraite"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10807\" class=\"elementor elementor-10807\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78ea0a0 e-con-full image e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"78ea0a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-752349d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"752349d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d529724 elementor-widget elementor-widget-text-editor\" data-id=\"d529724\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"hero-logo\">NB Consulting<\/span><span class=\"hero-texte\">Conseil retraite depuis 2004<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3737e9c elementor-widget elementor-widget-text-editor\" data-id=\"3737e9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u2014 Ressources visuelles<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6644bdf elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"6644bdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Comprendre l'essentiel de la <span style=\"font-style:italic;color:#7B5CC4\">retraite.<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37d7b4d4 elementor-widget elementor-widget-text-editor\" data-id=\"37d7b4d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Des infographies claires, pr\u00e9cises et t\u00e9l\u00e9chargeables \u2014 pour ma\u00eetriser vos droits, identifier votre strat\u00e9gie et anticiper les d\u00e9cisions qui comptent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ce7854 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"5ce7854\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/particuliers-4\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-wpr-sticky-section=\"yes\" data-wpr-position-type=\"sticky\" data-wpr-position-offset=\"0\" data-wpr-position-location=\"top\" data-wpr-sticky-devices=\"mobile_sticky tablet_sticky laptop_sticky desktop_sticky\" data-wpr-custom-breakpoints=\"default\" data-wpr-active-breakpoints=\"mobile_sticky tablet_sticky laptop_sticky desktop_sticky\" data-wpr-z-index=\"10\" data-wpr-sticky-hide=\"\" data-wpr-replace-header=\"\" data-wpr-animation-duration=\"\" data-wpr-sticky-type=\"sticky\" class=\"elementor-element elementor-element-c18e1c9 wpr-sticky-section-yes e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"c18e1c9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position_offset&quot;:0,&quot;position_offset_laptop&quot;:0,&quot;position_offset_tablet&quot;:0,&quot;position_offset_mobile&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1136d65 wpr-main-menu-align-center wpr-main-menu-align--laptopleft wpr-main-menu-align--tabletleft wpr-main-menu-align--mobileleft wpr-pointer-underline wpr-pointer-line-fx wpr-pointer-fx-fade wpr-sub-icon-caret-down wpr-sub-menu-fx-fade wpr-nav-menu-bp-mobile wpr-mobile-menu-full-width wpr-mobile-menu-item-align-center wpr-mobile-toggle-v1 wpr-sub-divider-yes wpr-mobile-divider-yes elementor-widget elementor-widget-wpr-nav-menu\" data-id=\"1136d65\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;menu_layout&quot;:&quot;horizontal&quot;}\" data-widget_type=\"wpr-nav-menu.default\">\n\t\t\t\t\t<nav class=\"wpr-nav-menu-container wpr-nav-menu-horizontal\" data-trigger=\"hover\" data-consider-header=\"\" data-scroll-speed=\"500\"><ul id=\"menu-1-1136d65\" class=\"wpr-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-12682\"><a href=\"#nosactus\" class=\"wpr-menu-item wpr-pointer-item\">Actus<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-12683\"><a href=\"#media\" class=\"wpr-menu-item wpr-pointer-item\">Interventions m\u00e9dias<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12684\"><a href=\"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/infographies-retraite-2\/\" class=\"wpr-menu-item wpr-pointer-item\">Infographies<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-12685\"><a href=\"#podcast\" class=\"wpr-menu-item wpr-pointer-item\">Podcasts<\/a><\/li>\n<\/ul><\/nav><nav class=\"wpr-mobile-nav-menu-container\"><div class=\"wpr-mobile-toggle-wrap\"><div class=\"wpr-mobile-toggle\"><span class=\"wpr-mobile-toggle-line\"><\/span><span class=\"wpr-mobile-toggle-line\"><\/span><span class=\"wpr-mobile-toggle-line\"><\/span><\/div><\/div><ul id=\"mobile-menu-2-1136d65\" class=\"wpr-mobile-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-12682\"><a href=\"#nosactus\" class=\"wpr-mobile-menu-item\">Actus<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-12683\"><a href=\"#media\" class=\"wpr-mobile-menu-item\">Interventions m\u00e9dias<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12684\"><a href=\"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/infographies-retraite-2\/\" class=\"wpr-mobile-menu-item\">Infographies<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-12685\"><a href=\"#podcast\" class=\"wpr-mobile-menu-item\">Podcasts<\/a><\/li>\n<\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7fccc3ee e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"7fccc3ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14126fc3 elementor-widget elementor-widget-text-editor\" data-id=\"14126fc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t\u2014 DERNI\u00c8RE INFOGRAPHIE\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7112282e elementor-widget elementor-widget-spacer\" data-id=\"7112282e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6b8ba8 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"b6b8ba8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0eb923c elementor-widget elementor-widget-text-editor\" data-id=\"0eb923c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cumuler emploi et retraite &#8211;<\/p><p><em><span style=\"color: #7b5cc4;\">ce qui change en 2027.<\/span><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e83a3b elementor-align-center elementor-widget elementor-widget-button\" data-id=\"9e83a3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/services-2\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Voir tous nos services<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d65bb17 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"d65bb17\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cefc139 elementor-widget elementor-widget-text-editor\" data-id=\"cefc139\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La LFSS 2026 refond enti\u00e8rement les r\u00e8gles. La date de liquidation change tout.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ae47fc e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"9ae47fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-992d431 elementor-widget elementor-widget-html\" data-id=\"992d431\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"max-width:1100px;margin:0 auto;padding:0 60px 56px;\">\n<style>\n.cc{background:#f0ede6;font-family:\"Inter\",sans-serif;width:100%;border:1px solid #c8c3b8;}\n.cc-head{background:#1a1a1a;padding:18px 36px;display:flex;align-items:center;justify-content:space-between;}\n.cc-ht{font-family:\"Playfair Display\",Georgia,serif;font-size:16px;font-weight:400;color:#f0ede6;}\n.cc-ht em{font-style:italic;color:#9B7B3F;}\n.cc-cnt{font-size:10px;color:#3a3835;}\n.cc-cnt strong{color:#7B2D3F;}\n.cc-tabs{display:flex;border-bottom:1px solid #c8c3b8;background:#f7f4ee;}\n.cc-tab{flex:1;padding:13px 12px;font-size:9px;font-weight:600;letter-spacing:0.09em;text-transform:uppercase;color:#8a8680;cursor:pointer;border-bottom:2px solid transparent;transition:all 0.15s;text-align:center;background:none;border-top:none;border-left:none;border-right:none;font-family:\"Inter\",sans-serif;}\n.cc-tab.active{color:#7B2D3F;border-bottom-color:#7B2D3F;}\n.cc-slides{overflow:hidden;}\n.cc-s{display:none;}\n.cc-s.active{display:block;}\n.cc-tip{background:#1a1a1a;padding:18px 36px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:3px solid #7B2D3F;}\n.cc-tip p{font-family:\"Playfair Display\",Georgia,serif;font-size:14px;font-style:italic;color:#f0ede6;line-height:1.4;}\n.cc-tip p strong{font-style:normal;color:#9B7B3F;}\n.cc-tip-btn{font-size:9px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:#ffffff;background:#5B4BB5;padding:10px 20px;text-decoration:none;flex-shrink:0;border-radius:50px;}\n.cc-ctrl{display:flex;align-items:center;justify-content:space-between;padding:12px 36px;border-top:1px solid #c8c3b8;background:#f7f4ee;}\n.cc-dots{display:flex;gap:6px;}\n.cc-dot{width:7px;height:7px;border-radius:50%;background:#c8c3b8;cursor:pointer;transition:all 0.2s;}\n.cc-dot.active{width:20px;border-radius:4px;background:#7B2D3F;}\n.cc-arrows{display:flex;gap:8px;}\n.cc-arr{width:32px;height:32px;border:1px solid #c8c3b8;background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;font-size:12px;color:#3d3a35;transition:all 0.15s;border-radius:50px;}\n.cc-arr:hover{background:#5B4BB5;color:#fff;border-color:#5B4BB5;}\n.cc-arr:disabled{opacity:0.3;cursor:not-allowed;}\n<\/style><div class=\"cc\" id=\"cerPage_wrap\">\n<div class=\"cc-head\"><div class=\"cc-ht\">Strat\u00e9gie \u00b7 <em>Cumul emploi-retraite<\/em><\/div><span class=\"cc-cnt\">Fiche <strong class=\"cc-n\">1<\/strong> \/ 3<\/span><\/div>\n<div class=\"cc-tabs\">\n  <button class=\"cc-tab active\" onclick=\"cerPageGo(this,0)\">Jusqu'au 31\/12\/2026<\/button>\n  <button class=\"cc-tab\" onclick=\"cerPageGo(this,1)\">\u00c0 partir du 01\/01\/2027<\/button>\n  <button class=\"cc-tab\" onclick=\"cerPageGo(this,2)\">Simulations chiffr\u00e9es<\/button>\n<\/div>\n<div class=\"cc-slides\">\n<div class=\"cc-s active\">\n  <div style=\"background:#7B2D3F;padding:14px 36px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:4px;\">R\u00e8gles en vigueur jusqu'au 31\/12\/2026<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:18px;font-weight:400;color:#fff;\">CER int\u00e9gral vs CER plafonn\u00e9 \u2014 <em style=\"color:#f0a070;\">deux r\u00e9gimes, deux r\u00e9alit\u00e9s.<\/em><\/div><\/div>\n  <div style=\"background:#F8F7FC;border-left:3px solid #7B2D3F;padding:9px 36px;font-size:12px;font-weight:300;color:#2A2A2A;line-height:1.6;\"><strong style=\"color:#7B2D3F;\">Le cumul emploi-retraite<\/strong> permet de percevoir simultan\u00e9ment pension et revenus d'activit\u00e9.<\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #E8E4F4;\">\n    <div style=\"padding:18px 24px;border-right:1px solid #E8E4F4;background:#F8F7FC;display:flex;flex-direction:column;\"><div style=\"font-size:10px;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:#2D6A4F;border-bottom:2px solid #2D6A4F;padding-bottom:6px;margin-bottom:10px;\">CER Int\u00e9gral<\/div><ul style=\"list-style:none;flex:1;\"><li style=\"font-size:12px;font-weight:300;color:#2A2A2A;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(232,228,244,0.6);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:6px;top:8px;\">\u25c6<\/span>Avoir liquid\u00e9 <strong>toutes<\/strong> vos pensions<\/li><li style=\"font-size:12px;font-weight:300;color:#2A2A2A;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(232,228,244,0.6);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:6px;top:8px;\">\u25c6<\/span>Avoir atteint l'\u00e2ge l\u00e9gal<\/li><li style=\"font-size:12px;font-weight:300;color:#2A2A2A;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:6px;top:8px;\">\u25c6<\/span>Remplir les conditions du taux plein<\/li><\/ul><div style=\"background:#e8f2ed;color:#2D6A4F;border:1px solid #2D6A4F;padding:7px 12px;font-size:9px;font-weight:600;text-transform:uppercase;text-align:center;margin-top:12px;\">\u2713 Possibilit\u00e9 de cr\u00e9er de nouveaux droits<\/div><\/div>\n    <div style=\"padding:18px 24px;background:#F2F0F5;display:flex;flex-direction:column;\"><div style=\"font-size:10px;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:#7B2D3F;border-bottom:2px solid #7B2D3F;padding-bottom:6px;margin-bottom:10px;\">CER Plafonn\u00e9<\/div><ul style=\"list-style:none;flex:1;\"><li style=\"font-size:12px;font-weight:300;color:#2A2A2A;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(232,228,244,0.6);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:6px;top:8px;\">\u25c6<\/span>Respecter un plafond selon le r\u00e9gime<br><em style=\"color:#7B2D3F;font-size:11px;\">\u00c0 d\u00e9faut : \u00e9cr\u00eatement de la pension<\/em><\/li><li style=\"font-size:12px;font-weight:300;color:#2A2A2A;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:6px;top:8px;\">\u25c6<\/span>D\u00e9lai de 6 mois chez le dernier employeur<br><em style=\"color:#7B2D3F;font-size:11px;\">\u00c0 d\u00e9faut : suspension de la pension<\/em><\/li><\/ul><div style=\"background:#fdf5f5;color:#7B2D3F;border:1px solid #7B2D3F;padding:7px 12px;font-size:9px;font-weight:600;text-transform:uppercase;text-align:center;margin-top:12px;\">\u2717 Impossibilit\u00e9 de cr\u00e9er de nouveaux droits<\/div><\/div>\n  <\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;\"><div style=\"padding:14px 24px;background:#F8F7FC;border-right:1px solid #E8E4F4;\"><div style=\"font-size:9px;font-weight:700;color:#2D6A4F;text-transform:uppercase;letter-spacing:0.12em;margin-bottom:8px;\">+ CER Int\u00e9gral \u2014 avantages<\/div><ul style=\"list-style:none;\"><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:6px;\">\u25c6<\/span>Reprise sans d\u00e9lai de carence<\/li><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:6px;\">\u25c6<\/span>Pas de plafond de revenus<\/li><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:6px;\">\u25c6<\/span>Nouveaux droits \u00e0 retraite possibles<\/li><\/ul><\/div><div style=\"padding:14px 24px;background:#F2F0F5;\"><div style=\"font-size:9px;font-weight:700;color:#7B2D3F;text-transform:uppercase;letter-spacing:0.12em;margin-bottom:8px;\">\u2212 CER Plafonn\u00e9 \u2014 contraintes<\/div><ul style=\"list-style:none;\"><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:6px;\">\u25c6<\/span>D\u00e9lai de carence de 6 mois<\/li><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:6px;\">\u25c6<\/span>Revenus plafonn\u00e9s \u2014 pension r\u00e9duite<\/li><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:6px;\">\u25c6<\/span>Cotisations \u00e0 fonds perdus<\/li><\/ul><\/div><\/div>\n<\/div>\n<div class=\"cc-s\">\n  <div style=\"background:#1a1a1a;padding:14px 36px;border-bottom:3px solid #7B2D3F;\"><span style=\"font-size:12px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:#fff;display:block;margin-bottom:3px;\">Nouvelles r\u00e8gles \u00e0 compter du <span style=\"color:#9A7B3B;\">01\/01\/2027<\/span><\/span><span style=\"font-size:9px;color:#7A7A8A;text-transform:uppercase;letter-spacing:0.1em;\">LFSS 2026 \u00b7 Loi n\u00b0 2025-1403 du 30 d\u00e9cembre 2025<\/span><\/div>\n  <div style=\"background:#7B2D3F;padding:10px 36px;\"><p style=\"font-size:12px;font-weight:300;color:rgba(255,255,255,0.9);line-height:1.65;\">\u00c0 compter du 01\/01\/2027, l'acc\u00e8s au CER int\u00e9gral ne d\u00e9pend plus des <strong style=\"color:#fff;\">CONDITIONS<\/strong> du taux plein, mais <strong style=\"color:#fff;\">UNIQUEMENT de votre \u00e2ge.<\/strong><\/p><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;padding:18px 36px;gap:14px;\">\n    <div style=\"border:1px solid #E8E4F4;overflow:hidden;display:flex;flex-direction:column;\"><div style=\"background:#2D6A4F;padding:9px 14px;font-size:9px;font-weight:700;text-transform:uppercase;color:#fff;\">CER Int\u00e9gral \u2014 nouvelles conditions<\/div><div style=\"padding:12px 14px;background:#F8F7FC;flex:1;display:flex;flex-direction:column;\"><ul style=\"list-style:none;flex:1;\"><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(232,228,244,0.6);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span>Avoir liquid\u00e9 toutes vos pensions<\/li><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(232,228,244,0.6);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><strong>Avoir 67 ans<\/strong> \u2014 seul crit\u00e8re<\/li><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><em>Plus de condition de dur\u00e9e d'assurance<\/em><\/li><\/ul><div style=\"background:#e8f2ed;color:#2D6A4F;border:1px solid #2D6A4F;padding:7px 12px;font-size:9px;font-weight:600;text-transform:uppercase;text-align:center;margin-top:10px;\">\u2713 Nouveaux droits possibles<\/div><\/div><\/div>\n    <div style=\"border:1px solid #E8E4F4;overflow:hidden;display:flex;flex-direction:column;\"><div style=\"background:#7B2D3F;padding:9px 14px;font-size:9px;font-weight:700;text-transform:uppercase;color:#fff;\">CER Plafonn\u00e9 \u2014 contraintes<\/div><div style=\"padding:12px 14px;background:#F2F0F5;flex:1;display:flex;flex-direction:column;\"><span style=\"font-size:9px;font-weight:700;color:#7B2D3F;text-transform:uppercase;margin-bottom:5px;display:block;\">Avant l'\u00e2ge l\u00e9gal<\/span><ul style=\"list-style:none;margin-bottom:10px;\"><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:3px 0 3px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:7px;\">\u25c6<\/span>R\u00e9duction de la pension de la totalit\u00e9 du revenu<\/li><\/ul><span style=\"font-size:9px;font-weight:700;color:#9A7B3B;text-transform:uppercase;margin-bottom:5px;display:block;\">Entre \u00e2ge l\u00e9gal et 67 ans<\/span><ul style=\"list-style:none;flex:1;\"><li style=\"font-size:11px;font-weight:300;color:#2A2A2A;padding:3px 0 3px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9A7B3B;font-size:5px;top:7px;\">\u25c6<\/span>\u00c9cr\u00eatement \u00e0 50% des revenus sup\u00e9rieurs \u00e0 ~7 000\u20ac\/an<\/li><\/ul><div style=\"background:#fdf5f5;color:#7B2D3F;border:1px solid #7B2D3F;padding:7px 12px;font-size:9px;font-weight:600;text-transform:uppercase;text-align:center;margin-top:10px;\">\u2717 Aucun nouveau droit<\/div><\/div><\/div>\n  <\/div>\n  <div style=\"padding:0 36px 14px;font-size:10px;color:#7A7A8A;font-style:italic;\">Loi n\u00b0 2025-1403 \u00b7 legifrance.gouv.fr \u00b7 info-retraite.fr<\/div>\n<\/div>\n<div class=\"cc-s\">\n  <div style=\"background:#7B2D3F;padding:14px 36px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.45);display:block;margin-bottom:4px;\">Simulations \u00b7 Source : NB Consulting pour Les \u00c9chos<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:18px;font-weight:400;color:#fff;\">La date de liquidation <em style=\"color:#C9A84C;\">change tout<\/em> \u2014 chiffres \u00e0 l'appui.<\/div><\/div>\n  <div style=\"background:#F8F7FC;border-bottom:1px solid #E8E4F4;padding:9px 36px;display:flex;gap:20px;align-items:center;flex-wrap:wrap;\"><span style=\"font-size:10px;font-weight:600;color:#7B2D3F;text-transform:uppercase;\">Exemple \u00b7<\/span><span style=\"font-size:11px;color:#666;\">Dernier revenu : <strong style=\"color:#1a1a1a;\">100 000\u20ac\/an<\/strong><\/span><span style=\"font-size:11px;color:#666;\">Pension : <strong style=\"color:#1a1a1a;\">48 000\u20ac\/an<\/strong><\/span><span style=\"font-size:11px;color:#666;\">Nouveau revenu : <strong style=\"color:#1a1a1a;\">70 000\u20ac\/an<\/strong><\/span><\/div>\n  <div style=\"padding:14px 36px 0;\"><table style=\"width:100%;border-collapse:collapse;font-size:11px;\"><thead><tr><th style=\"background:#F2F0F5;text-align:left;padding:8px 10px;font-size:9px;font-weight:700;text-transform:uppercase;width:30%;\"><\/th><th colspan=\"2\" style=\"background:#2D6A4F;color:#fff;padding:8px 10px;font-size:9px;font-weight:700;text-align:center;\">Sim A \u00b7 Avant \u00e2ge l\u00e9gal<\/th><th colspan=\"2\" style=\"background:#7B2D3F;color:#fff;padding:8px 10px;font-size:9px;font-weight:700;text-align:center;\">Sim B \u00b7 Entre l\u00e9gal et 67 ans (TP rempli)<\/th><\/tr><tr><th style=\"background:#F8F7FC;padding:6px 10px;\"><\/th><th style=\"background:#d4ede0;color:#1a5c38;padding:6px 10px;font-size:8px;font-weight:700;text-align:center;border:1px solid #a8d4b8;\">\u2713 Jusqu'au 31\/12\/2026<\/th><th style=\"background:#f4c5c5;color:#7B2D3F;padding:6px 10px;font-size:8px;font-weight:700;text-align:center;border:1px solid #e8a0a0;\">\u2717 \u00c0 partir du 01\/01\/2027<\/th><th style=\"background:#d4ede0;color:#1a5c38;padding:6px 10px;font-size:8px;font-weight:700;text-align:center;border:1px solid #a8d4b8;\">\u2713 Jusqu'au 31\/12\/2026<\/th><th style=\"background:#f4c5c5;color:#7B2D3F;padding:6px 10px;font-size:8px;font-weight:700;text-align:center;border:1px solid #e8a0a0;\">\u2717 \u00c0 partir du 01\/01\/2027<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:7px 10px;border-bottom:1px solid #E8E4F4;color:#2A2A2A;\">Retenue sur pension<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #E8E4F4;text-align:center;background:#f2faf5;color:#2D6A4F;font-weight:700;\">18 000\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #E8E4F4;text-align:center;background:#fdf5f5;color:#7B2D3F;font-weight:700;\">48 000\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #E8E4F4;text-align:center;background:#f2faf5;color:#2D6A4F;font-weight:700;\">0\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #E8E4F4;text-align:center;background:#fdf5f5;color:#7B2D3F;font-weight:700;\">31 500\u20ac<\/td><\/tr><tr><td style=\"padding:7px 10px;border-bottom:1px solid #E8E4F4;font-weight:600;color:#2A2A2A;\">Revenus totaux max<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #E8E4F4;text-align:center;background:#f2faf5;font-weight:600;\">100 000\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #E8E4F4;text-align:center;background:#fdf5f5;font-weight:600;\">70 000\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #E8E4F4;text-align:center;background:#f2faf5;font-weight:600;\">118 000\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #E8E4F4;text-align:center;background:#fdf5f5;font-weight:600;\">86 500\u20ac<\/td><\/tr><tr><td style=\"padding:7px 10px;font-weight:700;color:#7B2D3F;\">Manque \u00e0 gagner LFSS 2026<\/td><td style=\"padding:7px 10px;text-align:center;background:#f2faf5;color:#7A7A8A;font-style:italic;\">\u2014<\/td><td style=\"padding:7px 10px;text-align:center;background:#fdf5f5;color:#7B2D3F;font-weight:800;\">\u2212 30 000\u20ac<\/td><td style=\"padding:7px 10px;text-align:center;background:#f2faf5;color:#7A7A8A;font-style:italic;\">\u2014<\/td><td style=\"padding:7px 10px;text-align:center;background:#fdf5f5;color:#7B2D3F;font-weight:800;\">\u2212 31 500\u20ac<\/td><\/tr><\/tbody><\/table><\/div>\n  <div style=\"background:#111;padding:7px 36px;font-size:10px;color:#7A7A8A;font-style:italic;margin-top:12px;\">Source : NB Consulting pour Les \u00c9chos \u00b7 Loi n\u00b0 2025-1403 \u00b7 D\u00e9crets \u00e0 para\u00eetre<\/div>\n<\/div>\n<\/div>\n<div class=\"cc-tip\"><p>Votre date de liquidation m\u00e9rite<br>une <strong>vraie strat\u00e9gie.<\/strong><\/p><a href=\"https:\/\/www.gestion-retraite.fr\/contact\/\" target=\"_blank\" class=\"cc-tip-btn\">Contactez NB Consulting<\/a><\/div>\n<div class=\"cc-ctrl\"><div class=\"cc-dots cerPageDots\"><div class=\"cc-dot active\"><\/div><div class=\"cc-dot\"><\/div><div class=\"cc-dot\"><\/div><\/div><div class=\"cc-arrows\"><button class=\"cc-arr cerPagePrev\" onclick=\"cerPageGo2()\" disabled=\"\">\u2190<\/button><button class=\"cc-arr cerPageNext\" onclick=\"cerPageGo3()\">\u2192<\/button><\/div><\/div>\n<\/div><script>\nvar cerPageC = 0;\nfunction cerPageGo(el, n) {\n  var wrap = document.getElementById('cerPage_wrap');\n  wrap.querySelectorAll('.cc-s')[cerPageC].classList.remove('active');\n  wrap.querySelectorAll('.cc-tab')[cerPageC].classList.remove('active');\n  wrap.querySelectorAll('.cc-dot')[cerPageC].classList.remove('active');\n  cerPageC = n;\n  wrap.querySelectorAll('.cc-s')[cerPageC].classList.add('active');\n  wrap.querySelectorAll('.cc-tab')[cerPageC].classList.add('active');\n  wrap.querySelectorAll('.cc-dot')[cerPageC].classList.add('active');\n  wrap.querySelector('.cc-cnt strong').textContent = cerPageC + 1;\n  wrap.querySelector('.cerPagePrev').disabled = cerPageC === 0;\n  wrap.querySelector('.cerPageNext').disabled = cerPageC === 2;\n}\nfunction cerPageGo2() { if(cerPageC>0) cerPageGo(null, cerPageC-1); }\nfunction cerPageGo3() { if(cerPageC<2) cerPageGo(null, cerPageC+1); }\n(function() {\n  function initCerPage() {\n    var wrap = document.getElementById('cerPage_wrap');\n    if (!wrap) { setTimeout(initCerPage, 50); return; }\n    var dotsEl = wrap.querySelector('.cerPageDots');\n    if (dotsEl.children.length > 0) return;\n    for (var i = 0; i < 3; i++) {\n      var d = document.createElement('div');\n      d.className = 'cc-dot' + (i === 0 ? ' active' : '');\n      d.onclick = (function(n){ return function(){ cerPageGo(null, n); }; })(i);\n      dotsEl.appendChild(d);\n    }\n  }\n  initCerPage();\n})();\n<\/script>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a5144f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"2a5144f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a426096 elementor-widget elementor-widget-text-editor\" data-id=\"a426096\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u2014 Explorer par th\u00e9matique<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c78f8f6 elementor-widget elementor-widget-spacer\" data-id=\"c78f8f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a572e0e e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"a572e0e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18a0faa elementor-widget elementor-widget-text-editor\" data-id=\"18a0faa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t6 th\u00e9matiques.\n<em><span style=\"color: #7b5cc4;\">Toutes vos questions retraite.<\/span><\/em>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6f9a82 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a6f9a82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/services-2\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Voir tous nos services<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a756632 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"a756632\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae94a2c elementor-widget elementor-widget-html\" data-id=\"ae94a2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"carousel-band\">\n  <div class=\"carousel-band-inner\">\n    <div class=\"theme-cards\">\n      <a href=\"#\" class=\"theme-card\" onclick=\"event.preventDefault();openIgModal('securiserDroits')\">\n        <span class=\"theme-card-accent\" style=\"background:var(--c1);\"><\/span>\n        <div class=\"theme-card-num\" style=\"color:var(--c1);\">01<\/div>\n        <span class=\"theme-card-label\" style=\"color:var(--c1);\">S\u00e9curiser ses droits<\/span>\n        <div class=\"theme-card-title\">V\u00e9rifier, corriger,<br><em>prot\u00e9ger ses droits<\/em><\/div>\n        <div class=\"theme-card-count\" style=\"color:var(--c1);font-weight:500;\">\u2192 Voir l'infographie<\/div>\n      <\/a>\n      <a href=\"#\" class=\"theme-card\" onclick=\"event.preventDefault();openIgModal('ageDepart')\">\n        <span class=\"theme-card-accent\" style=\"background:#b8964e;\"><\/span>\n        <div class=\"theme-card-num\" style=\"color:#b8964e;\">02<\/div>\n        <span class=\"theme-card-label\" style=\"color:#b8964e;\">Identifier son \u00e2ge de d\u00e9part<\/span>\n        <div class=\"theme-card-title\">Taux plein, g\u00e9n\u00e9rations,<br><em>LFSS 2026<\/em><\/div>\n        <div class=\"theme-card-count\" style=\"color:#b8964e;font-weight:500;\">\u2192 Voir les infographies<\/div>\n      <\/a>\n      <a href=\"#\" class=\"theme-card\" onclick=\"event.preventDefault();openIgModal('cer')\">\n        <span class=\"theme-card-accent\" style=\"background:var(--c2);\"><\/span>\n        <div class=\"theme-card-num\" style=\"color:var(--c2);\">03<\/div>\n        <span class=\"theme-card-label\" style=\"color:var(--c2);\">Strat\u00e9gie<\/span>\n        <div class=\"theme-card-title\">Cumul <em>emploi-retraite<\/em><\/div>\n        <div class=\"theme-card-count\" style=\"color:var(--c2);font-weight:500;\">\u2192 Voir l'infographie<\/div>\n      <\/a>\n      <a href=\"#\" class=\"theme-card\" onclick=\"event.preventDefault();openIgModal('rp')\">\n        <span class=\"theme-card-accent\" style=\"background:var(--c3);\"><\/span>\n        <div class=\"theme-card-num\" style=\"color:var(--c3);\">04<\/div>\n        <span class=\"theme-card-label\" style=\"color:var(--c3);\">Strat\u00e9gie<\/span>\n        <div class=\"theme-card-title\">Retraite <em>progressive<\/em><\/div>\n        <div class=\"theme-card-count\" style=\"color:var(--c3);font-weight:500;\">\u2192 Voir l'infographie<\/div>\n      <\/a>\n      <a href=\"#\" class=\"theme-card\" onclick=\"event.preventDefault();openIgModal('preparerProjet')\">\n        <span class=\"theme-card-accent\" style=\"background:#2D6A4F;\"><\/span>\n        <div class=\"theme-card-num\" style=\"color:#2D6A4F;\">05<\/div>\n        <span class=\"theme-card-label\" style=\"color:#2D6A4F;\">Strat\u00e9gie<\/span>\n        <div class=\"theme-card-title\">Pr\u00e9parer son <em>projet<\/em><\/div>\n        <div class=\"theme-card-count\" style=\"color:#2D6A4F;font-weight:500;\">\u2192 Voir les infographies<\/div>\n      <\/a>\n      <a href=\"#\" class=\"theme-card\" onclick=\"event.preventDefault();openIgModal('expatriation')\">\n        <span class=\"theme-card-accent\" style=\"background:#2C5F6E;\"><\/span>\n        <div class=\"theme-card-num\" style=\"color:#2C5F6E;\">06<\/div>\n        <span class=\"theme-card-label\" style=\"color:#2C5F6E;\">Parcours international<\/span>\n        <div class=\"theme-card-title\">Retraite &amp; <em>expatriation<\/em><\/div>\n        <div class=\"theme-card-count\" style=\"color:#2C5F6E;font-weight:500;\">\u2192 Voir les infographies<\/div>\n      <\/a>\n    <\/div>\n  <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e62b4f0 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"4e62b4f0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7d2478ce e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"7d2478ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-34a7a2b4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"34a7a2b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46e79778 elementor-widget elementor-widget-text-editor\" data-id=\"46e79778\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u2014 Newsletter<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7770b8e7 elementor-widget elementor-widget-text-editor\" data-id=\"7770b8e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tChaque nouvelle infographie,\n<em style=\"color: #9b7b3f;\">directement dans votre bo\u00eete.<\/em>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c067f89 elementor-widget elementor-widget-text-editor\" data-id=\"1c067f89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tUne nouvelle ressource tous les trimestres. Sans publicit\u00e9, sans d\u00e9marchage. D\u00e9sabonnement en un clic.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79bf24ac e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"79bf24ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba8676e elementor-widget elementor-widget-wpforms\" data-id=\"ba8676e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpforms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wpforms-container wpforms-container-full wpforms-render-modern\" id=\"wpforms-11090\"><form id=\"wpforms-form-11090\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"11090\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/maquettes\/gestion-retraite\/wp-json\/wp\/v2\/pages\/10807\" data-token=\"278acb655d0012acc9483b3b961266f6\" data-token-time=\"1781402334\"><noscript class=\"wpforms-error-noscript\">Veuillez activer JavaScript dans votre navigateur pour remplir ce formulaire.<\/noscript><div id=\"wpforms-error-noscript\" style=\"display: none;\">Veuillez activer JavaScript dans votre navigateur pour remplir ce formulaire.<\/div><div class=\"wpforms-field-container\">\t\t<div id=\"wpforms-11090-field_3-container\"\n\t\t\tclass=\"wpforms-field wpforms-field-text\"\n\t\t\tdata-field-type=\"text\"\n\t\t\tdata-field-id=\"3\"\n\t\t\t>\n\t\t\t<label class=\"wpforms-field-label\" for=\"wpforms-11090-field_3\" >Nom Pr\u00e9nom Email<\/label>\n\t\t\t<input type=\"text\" id=\"wpforms-11090-field_3\" class=\"wpforms-field-medium\" name=\"wpforms[fields][3]\" >\n\t\t<\/div>\n\t\t<div id=\"wpforms-11090-field_1-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"1\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-11090-field_1\" aria-hidden=\"false\">Nom Pr\u00e9nom <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-11090-field_1\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][1]\" placeholder=\"Nom Pr\u00e9nom\" aria-errormessage=\"wpforms-11090-field_1-error\" required><\/div><div id=\"wpforms-11090-field_2-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"2\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-11090-field_2\" aria-hidden=\"false\">Email <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"email\" id=\"wpforms-11090-field_2\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][2]\" placeholder=\"Email*\" spellcheck=\"false\" aria-errormessage=\"wpforms-11090-field_2-error\" required><\/div><script>\n\t\t\t\t( function() {\n\t\t\t\t\tconst style = document.createElement( 'style' );\n\t\t\t\t\tstyle.appendChild( document.createTextNode( '#wpforms-11090-field_3-container { position: absolute !important; overflow: hidden !important; display: inline !important; height: 1px !important; width: 1px !important; z-index: -1000 !important; padding: 0 !important; } #wpforms-11090-field_3-container input { visibility: hidden; } #wpforms-conversational-form-page #wpforms-11090-field_3-container label { counter-increment: none; }' ) );\n\t\t\t\t\tdocument.head.appendChild( style );\n\t\t\t\t\tdocument.currentScript?.remove();\n\t\t\t\t} )();\n\t\t\t<\/script><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"11090\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/wp-json\/wp\/v2\/pages\/10807\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-11090\" class=\"wpforms-submit\" data-alt-text=\"Envoi...\" data-submit-text=\"Recevoir les infographies\" aria-live=\"assertive\" value=\"wpforms-submit\">Recevoir les infographies<\/button><img decoding=\"async\" src=\"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/wp-content\/plugins\/wpforms-lite\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Chargement en cours\"><\/div><\/form><\/div>  <!-- .wpforms-container -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-610691f7 elementor-widget elementor-widget-text-editor\" data-id=\"610691f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tPas de spam. D\u00e9sabonnement en un clic.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7867f81 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"7867f81\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c9a361 elementor-widget elementor-widget-text-editor\" data-id=\"8c9a361\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">\u2014 Prochaine \u00e9tape<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42d7b1d elementor-widget elementor-widget-text-editor\" data-id=\"42d7b1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Les infographies \u00e9clairent.<\/p><p style=\"text-align: center;\">Un expert <em style=\"color: #b8965a;\">accompagne.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-266c655 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"266c655\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>De la compr\u00e9hension \u00e0 la d\u00e9cision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b91387b elementor-widget elementor-widget-spacer\" data-id=\"b91387b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-81266a2 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"81266a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-661492c elementor-widget elementor-widget-button\" data-id=\"661492c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/contact-2\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e902e25 elementor-widget elementor-widget-button\" data-id=\"e902e25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/services-2\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Voir nos offres<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56c914a elementor-widget elementor-widget-spacer\" data-id=\"56c914a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa2b428 elementor-widget elementor-widget-text-editor\" data-id=\"aa2b428\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Entretien de 30 min \u00b7 Sans engagement<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-157bc99 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"157bc99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a419b9 elementor-widget elementor-widget-html\" data-id=\"0a419b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div id=\"igModal\" style=\"display: none; position: fixed; inset: 0px; background: rgba(0, 0, 0, 0.8); z-index: 9999; overflow-y: auto;\">\n  <div style=\"max-width:960px;margin:40px auto;padding:0 20px;position:relative;\">\n    <button id=\"igModalClose\" style=\"position:fixed;top:16px;right:16px;width:44px;height:44px;background:#1a1a1a;border:2px solid #9B7B3F;color:#f0ede6;font-size:20px;cursor:pointer;z-index:10001;line-height:1;\">\u2715<\/button>\n  \n  <div id=\"igModalPreparerProjet\" style=\"display:none;\"><style>\n.ppm{background:#f0ede6;font-family:\"Inter\",sans-serif;width:100%;border:1px solid #c8c3b8;}\n.ppm-head{background:#1a1a1a;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;}\n.ppm-ht{font-family:\"Playfair Display\",Georgia,serif;font-size:15px;font-weight:400;color:#f0ede6;}\n.ppm-ht em{font-style:italic;color:#2D6A4F;}\n.ppm-tabs{display:flex;border-bottom:1px solid #c8c3b8;background:#f7f4ee;}\n.ppm-tab{flex:1;padding:11px 8px;font-size:8.5px;font-weight:600;letter-spacing:0.07em;text-transform:uppercase;color:#8a8680;cursor:pointer;border-bottom:2px solid transparent;transition:all 0.15s;text-align:center;background:none;border-top:none;border-left:none;border-right:none;font-family:\"Inter\",sans-serif;}\n.ppm-tab.active{color:#2D6A4F;border-bottom-color:#2D6A4F;}\n.ppm-slides{overflow:hidden;}\n.ppm-s{display:none;}\n.ppm-s.active{display:block;}\n.ppm-tip{background:#1a1a1a;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:3px solid #2D6A4F;}\n.ppm-tip p{font-family:\"Playfair Display\",Georgia,serif;font-size:13px;font-style:italic;color:#f0ede6;}\n.ppm-tip p strong{font-style:normal;color:#9B7B3F;}\n.ppm-tip-btn{font-size:9px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:#1a1a1a;background:#9B7B3F;padding:9px 16px;text-decoration:none;flex-shrink:0;}\n.ppm-ctrl{display:flex;align-items:center;justify-content:space-between;padding:10px 32px;border-top:1px solid #c8c3b8;background:#f7f4ee;}\n.ppm-dots{display:flex;gap:5px;}\n.ppm-dot{width:7px;height:7px;border-radius:50%;background:#c8c3b8;cursor:pointer;transition:all 0.2s;}\n.ppm-dot.active{width:20px;border-radius:4px;background:#2D6A4F;}\n.ppm-arrows{display:flex;gap:6px;}\n.ppm-arr{width:30px;height:30px;border:1px solid #c8c3b8;background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;font-size:11px;color:#3d3a35;transition:all 0.15s;}\n.ppm-arr:hover{background:#2D6A4F;color:#fff;border-color:#2D6A4F;}\n.ppm-arr:disabled{opacity:0.3;cursor:not-allowed;}\n<\/style>\n<div class=\"ppm\" id=\"ppm_wrap\">\n<div class=\"ppm-head\"><div class=\"ppm-ht\">Strat\u00e9gie \u00b7 <em>Pr\u00e9parer son projet de vie<\/em><\/div><span style=\"font-size:10px;color:#3a3835;\">Fiche <strong class=\"ppm-n\" style=\"color:#2D6A4F;\">1<\/strong> \/ 3<\/span><\/div>\n<div class=\"ppm-tabs\">\n  <button class=\"ppm-tab active\" onclick=\"ppmGo(this,0)\">Rester acteur de son projet<\/button>\n  <button class=\"ppm-tab\" onclick=\"ppmGo(this,1)\">D\u00e9finir sa strat\u00e9gie<\/button>\n  <button class=\"ppm-tab\" onclick=\"ppmGo(this,2)\">Transmettre &amp; passer le relais<\/button>\n<\/div>\n<div class=\"ppm-slides\">\n\n<div class=\"ppm-s active\">\n  <div style=\"background:#2D6A4F;padding:12px 32px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:3px;\">La retraite, \u00e7a se construit \u2014 \u00e7a ne s'improvise pas<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:17px;font-weight:400;color:#fff;\">Vous avez mis 40 ans \u00e0 construire votre carri\u00e8re.<br><em style=\"color:#a8d4b8;\">Accordez-vous du temps pour construire votre retraite.<\/em><\/div><\/div>\n  <div style=\"background:#e8f2ed;border-left:3px solid #2D6A4F;padding:9px 32px;border-bottom:1px solid #c8c3b8;\"><p style=\"font-size:12px;font-weight:300;color:#3d3a35;line-height:1.7;\">La retraite n'est pas une ligne d'arriv\u00e9e. C'est le d\u00e9but d'une nouvelle phase de vie \u2014 qui questionne l'identit\u00e9, le sens, les relations, le rapport au temps. Rester acteur, c'est choisir de ne pas la subir.<\/p><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:16px 20px;border-right:1px solid #c8c3b8;background:#fdf5f0;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;color:#7B2D3F;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid #7B2D3F;\">Les \u00e9cueils \u00e0 \u00e9viter<\/div>\n      <ul style=\"list-style:none;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:8px;\">\u25c6<\/span><strong style=\"font-weight:500;\">Attendre le dernier moment<\/strong> \u2014 les droits ne s'optimisent pas \u00e0 J-3<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:8px;\">\u25c6<\/span><strong style=\"font-weight:500;\">Subir la date<\/strong> plut\u00f4t que la choisir \u2014 ne pas conna\u00eetre ses options<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:8px;\">\u25c6<\/span><strong style=\"font-weight:500;\">N\u00e9gliger la dimension humaine<\/strong> \u2014 jusqu'\u00e0 90% des relations professionnelles s'arr\u00eatent du jour au lendemain<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:8px;\">\u25c6<\/span><strong style=\"font-weight:500;\">Confondre arr\u00eat et projet<\/strong> \u2014 arr\u00eater de travailler n'est pas un projet de vie<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:8px;\">\u25c6<\/span><strong style=\"font-weight:500;\">Oublier son conjoint\u00b7e<\/strong> \u2014 de 4h partag\u00e9es \u00e0 14h : un nouveau rythme \u00e0 anticiper<\/li>\n      <\/ul>\n    <\/div>\n    <div style=\"padding:16px 20px;background:#f7f4ee;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;color:#2D6A4F;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid #2D6A4F;\">Les cl\u00e9s pour rester aux commandes<\/div>\n      <ul style=\"list-style:none;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><strong style=\"font-weight:500;\">Anticiper 5 \u00e0 10 ans avant<\/strong> \u2014 financi\u00e8rement et humainement<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><strong style=\"font-weight:500;\">S'autoriser \u00e0 regarder ses envies profondes<\/strong> \u2014 talents, passions, projets en sommeil<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><strong style=\"font-weight:500;\">Construire un nouveau positionnement<\/strong> \u2014 une identit\u00e9 qui ne repose plus sur le titre ou le statut<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><strong style=\"font-weight:500;\">Se faire accompagner<\/strong> \u2014 par un expert des droits ET un expert du projet de vie<\/li>\n      <\/ul>\n      <div style=\"background:#e8f2ed;border:1px solid #2D6A4F;padding:9px 12px;margin-top:12px;display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;\"><span style=\"font-size:10px;font-weight:300;color:#3d3a35;\">Formation <strong style=\"font-weight:500;\">Cap vers le Futur<\/strong> \u00b7 NB Consulting \u00d7 Eclipse Coaching<\/span><a href=\"https:\/\/eclipsecoaching.fr\" target=\"_blank\" style=\"font-size:10px;font-weight:600;color:#2D6A4F;text-decoration:none;white-space:nowrap;\">eclipsecoaching.fr \u2192<\/a><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div class=\"ppm-s\">\n  <div style=\"background:#1a1a1a;padding:12px 32px;border-bottom:3px solid #2D6A4F;\"><span style=\"font-family:'Playfair Display',Georgia,serif;font-size:16px;font-style:italic;color:#fff;display:block;margin-bottom:3px;\">D\u00e9finir sa strat\u00e9gie \u2014 <em style=\"color:#a8d4b8;\">le bon moment et la bonne forme.<\/em><\/span><span style=\"font-size:9px;color:#4a4540;text-transform:uppercase;letter-spacing:0.1em;\">Droits + projet de vie : les deux ne peuvent pas se construire s\u00e9par\u00e9ment<\/span><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:16px 20px;border-right:1px solid #c8c3b8;background:#f7f4ee;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;color:#2D6A4F;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid #2D6A4F;\">1 \u00b7 Choisir le bon moment<\/div>\n      <ul style=\"list-style:none;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span>Identifier son <strong>\u00e2ge l\u00e9gal<\/strong> et son \u00e2ge de taux plein selon sa g\u00e9n\u00e9ration<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span>\u00c9valuer l'impact de partir <strong>avant ou apr\u00e8s le taux plein<\/strong> sur le montant de la pension<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span>V\u00e9rifier l'existence d'un dispositif de <strong>d\u00e9part anticip\u00e9<\/strong> (carri\u00e8re longue, fragilit\u00e9)<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span>Croiser la date de d\u00e9part avec ses <strong>projets personnels<\/strong> \u2014 et non l'inverse<\/li>\n      <\/ul>\n    <\/div>\n    <div style=\"padding:16px 20px;background:#f0ede6;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;color:#2D6A4F;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid #2D6A4F;\">2 \u00b7 Choisir la bonne forme<\/div>\n      <div style=\"display:flex;flex-direction:column;gap:7px;\">\n        <div style=\"background:#f7f4ee;border:1px solid #c8c3b8;border-left:3px solid #2D6A4F;padding:9px 12px;\"><p style=\"font-size:10px;font-weight:700;color:#2D6A4F;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:4px;\">Retraite progressive<\/p><p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;\">R\u00e9duire progressivement son activit\u00e9 tout en percevant une fraction de pension \u2014 transition douce, nouveaux droits pr\u00e9serv\u00e9s<\/p><\/div>\n        <div style=\"background:#f7f4ee;border:1px solid #c8c3b8;border-left:3px solid #7B2D3F;padding:9px 12px;\"><p style=\"font-size:10px;font-weight:700;color:#7B2D3F;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:4px;\">Cumul emploi-retraite<\/p><p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;\">Liquider ses droits et reprendre une activit\u00e9 \u2014 la date de liquidation est strat\u00e9gique (LFSS 2026)<\/p><\/div>\n        <div style=\"background:#f7f4ee;border:1px solid #c8c3b8;border-left:3px solid #9B7B3F;padding:9px 12px;\"><p style=\"font-size:10px;font-weight:700;color:#9B7B3F;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:4px;\">D\u00e9part plein &amp; nouveau projet<\/p><p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;\">Liquider \u00e0 taux plein et se consacrer enti\u00e8rement \u00e0 un projet \u2014 associatif, cr\u00e9atif, entrepreneurial<\/p><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div style=\"background:#2D6A4F;padding:11px 32px;\"><p style=\"font-size:12px;font-weight:300;color:#fff;font-style:italic;text-align:center;font-family:'Playfair Display',Georgia,serif;\">NB Consulting &amp; Eclipse Coaching \u2014 pour rester acteur de votre fin de carri\u00e8re et de vos 25 prochaines ann\u00e9es.<\/p><\/div>\n<\/div>\n\n<div class=\"ppm-s\">\n  <div style=\"background:#2D6A4F;padding:12px 32px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:3px;\">Fin de carri\u00e8re &amp; apr\u00e8s<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:17px;font-weight:400;color:#fff;\">Transmettre \u2014 <em style=\"color:#a8d4b8;\">l'acte le plus strat\u00e9gique de votre fin de carri\u00e8re.<\/em><\/div><\/div>\n  <div style=\"background:#e8f2ed;border-left:3px solid #2D6A4F;padding:9px 32px;border-bottom:1px solid #c8c3b8;\"><p style=\"font-size:12px;font-weight:300;color:#3d3a35;line-height:1.7;\">Transmettre, c'est \u00e0 la fois une responsabilit\u00e9 professionnelle, un acte de sens et parfois une condition de votre propre transition sereine.<\/p><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:16px 20px;border-right:1px solid #c8c3b8;background:#f7f4ee;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;color:#2D6A4F;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid #2D6A4F;\">Transmission professionnelle<\/div>\n      <ul style=\"list-style:none;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><strong>Se positionner en mentor<\/strong> \u2014 valoriser son exp\u00e9rience, transmettre aux g\u00e9n\u00e9rations suivantes<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><strong>Organiser la succession<\/strong> \u2014 partir serein, sans rupture ni sentiment de trahison<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><strong>Contribuer \u00e0 un environnement interg\u00e9n\u00e9rationnel<\/strong> \u2014 richesse des \u00e9quipes, diversit\u00e9 des savoirs<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><strong>Envisager une activit\u00e9 conseil ou b\u00e9n\u00e9vole<\/strong> \u2014 rester utile et reconnu apr\u00e8s le d\u00e9part<\/li>\n      <\/ul>\n    <\/div>\n    <div style=\"padding:16px 20px;background:#f0ede6;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;color:#9B7B3F;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid #9B7B3F;\">Transmission personnelle &amp; patrimoniale<\/div>\n      <ul style=\"list-style:none;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:8px;\">\u25c6<\/span><strong>Anticiper la transmission du patrimoine<\/strong> \u2014 donation, assurance-vie, d\u00e9membrement<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:8px;\">\u25c6<\/span><strong>Retraite progressive ou CER<\/strong> \u2014 leviers de transmission d'entreprise dans le temps<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:8px;\">\u25c6<\/span><strong>Transmettre ses valeurs, son histoire<\/strong> \u2014 donner du sens \u00e0 ce qu'on a construit<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:8px;\">\u25c6<\/span><strong>Se lib\u00e9rer de ce qui alourdit<\/strong> \u2014 \u00e9crire un nouveau chapitre avec l\u00e9g\u00e8ret\u00e9 et intention<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n  <div style=\"background:#1a1a1a;border-left:3px solid #2D6A4F;padding:10px 32px;\"><p style=\"font-size:11px;font-weight:300;color:#9a9088;font-style:italic;line-height:1.6;\">Transmettre, ce n'est pas dispara\u00eetre \u2014 c'est choisir comment on reste pr\u00e9sent. <strong style=\"color:#f0ede6;\">La retraite est peut-\u00eatre le plus grand projet de votre vie.<\/strong><\/p><\/div>\n<\/div>\n\n<\/div>\n<div class=\"ppm-tip\"><p>La retraite se construit.<br><strong>Commen\u00e7ons ensemble.<\/strong><\/p><a href=\"https:\/\/www.gestion-retraite.fr\/contact\/\" target=\"_blank\" class=\"ppm-tip-btn\">Contactez NB Consulting \u2192<\/a><\/div>\n<div class=\"ppm-ctrl\"><div class=\"ppm-dots ppm-dotsEl\"><div class=\"ppm-dot active\"><\/div><div class=\"ppm-dot\"><\/div><div class=\"ppm-dot\"><\/div><\/div><div class=\"ppm-arrows\"><button class=\"ppm-arr ppm-prev\" onclick=\"ppmPrev()\" disabled=\"\">\u2190<\/button><button class=\"ppm-arr ppm-next\" onclick=\"ppmNext()\">\u2192<\/button><\/div><\/div>\n<\/div>\n<script>\nvar ppmC=0,ppmT=3;\n(function(){var d=document.querySelector('.ppm-dotsEl');for(var i=0;i<ppmT;i++){var dot=document.createElement('div');dot.className='ppm-dot'+(i===0?' 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#c8c3b8;}\n.exm-head{background:#1a1a1a;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;}\n.exm-ht{font-family:\"Playfair Display\",Georgia,serif;font-size:15px;font-weight:400;color:#f0ede6;}\n.exm-ht em{font-style:italic;color:#2C5F6E;}\n.exm-tabs{display:flex;border-bottom:1px solid #c8c3b8;background:#f7f4ee;}\n.exm-tab{flex:1;padding:11px 8px;font-size:8.5px;font-weight:600;letter-spacing:0.07em;text-transform:uppercase;color:#8a8680;cursor:pointer;border-bottom:2px solid transparent;transition:all 0.15s;text-align:center;background:none;border-top:none;border-left:none;border-right:none;font-family:\"Inter\",sans-serif;}\n.exm-tab.active{color:#2C5F6E;border-bottom-color:#2C5F6E;}\n.exm-slides{overflow:hidden;}\n.exm-s{display:none;}\n.exm-s.active{display:block;}\n.exm-tip{background:#1a1a1a;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:3px solid #2C5F6E;}\n.exm-tip p{font-family:\"Playfair Display\",Georgia,serif;font-size:13px;font-style:italic;color:#f0ede6;}\n.exm-tip p strong{font-style:normal;color:#9B7B3F;}\n.exm-tip-btn{font-size:9px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:#1a1a1a;background:#9B7B3F;padding:9px 16px;text-decoration:none;flex-shrink:0;}\n.exm-ctrl{display:flex;align-items:center;justify-content:space-between;padding:10px 32px;border-top:1px solid #c8c3b8;background:#f7f4ee;}\n.exm-dots{display:flex;gap:5px;}\n.exm-dot{width:7px;height:7px;border-radius:50%;background:#c8c3b8;cursor:pointer;transition:all 0.2s;}\n.exm-dot.active{width:20px;border-radius:4px;background:#2C5F6E;}\n.exm-arrows{display:flex;gap:6px;}\n.exm-arr{width:30px;height:30px;border:1px solid #c8c3b8;background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;font-size:11px;color:#3d3a35;transition:all 0.15s;}\n.exm-arr:hover{background:#2C5F6E;color:#fff;border-color:#2C5F6E;}\n.exm-arr:disabled{opacity:0.3;cursor:not-allowed;}\n<\/style>\n<div class=\"exm\" id=\"exm_wrap\">\n<div class=\"exm-head\"><div class=\"exm-ht\">Retraite &amp; <em>expatriation<\/em><\/div><span style=\"font-size:10px;color:#3a3835;\">Fiche <strong class=\"exm-n\" style=\"color:#2C5F6E;\">1<\/strong> \/ 4<\/span><\/div>\n<div class=\"exm-tabs\">\n  <button class=\"exm-tab active\" onclick=\"exmGo(this,0)\">Impact avant liquidation<\/button>\n  <button class=\"exm-tab\" onclick=\"exmGo(this,1)\">D\u00e9tachement \/ expatriation<\/button>\n  <button class=\"exm-tab\" onclick=\"exmGo(this,2)\">Pays &amp; accords<\/button>\n  <button class=\"exm-tab\" onclick=\"exmGo(this,3)\">Apr\u00e8s la liquidation<\/button>\n<\/div>\n<div class=\"exm-slides\">\n\n<div class=\"exm-s active\">\n  <div style=\"background:#2C5F6E;padding:12px 32px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:3px;\">Globe-trotteurs en partance ou de retour en France<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:17px;font-weight:400;color:#fff;\">Toute expatriation peut avoir des cons\u00e9quences <em style=\"color:#a8d4de;\">importantes sur vos droits retraite.<\/em><\/div><\/div>\n  <div style=\"background:#e8f2f5;border-left:3px solid #2C5F6E;padding:9px 32px;border-bottom:1px solid #c8c3b8;\"><p style=\"font-size:12px;font-weight:300;color:#3d3a35;line-height:1.7;\">Travailler \u00e0 l'\u00e9tranger peut <strong>r\u00e9duire le montant de votre pension fran\u00e7aise<\/strong> ou entra\u00eener des <strong>trimestres manquants<\/strong> au moment de la liquidation.<\/p><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:16px 20px;border-right:1px solid #c8c3b8;background:#f7f4ee;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;color:#2C5F6E;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid #2C5F6E;\">Avant le d\u00e9part \u00b7 je v\u00e9rifie<\/div>\n      <ul style=\"list-style:none;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Mon pays est-il couvert par un accord de s\u00e9curit\u00e9 sociale avec la France ?<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Mon contrat pr\u00e9voit-il un <strong>d\u00e9tachement<\/strong> (affili\u00e9 France) ou une <strong>expatriation<\/strong> (r\u00e9gime local) ?<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Puis-je souscrire \u00e0 la <strong>Caisse des Fran\u00e7ais de l'\u00c9tranger (CFE)<\/strong> pour maintenir mes droits ?<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Mes trimestres \u00e0 l'\u00e9tranger seront-ils reconnus en France lors de ma liquidation ?<\/li>\n      <\/ul>\n    <\/div>\n    <div style=\"padding:16px 20px;background:#f0ede6;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;color:#2C5F6E;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid #2C5F6E;\">Au retour \u00b7 je contr\u00f4le<\/div>\n      <ul style=\"list-style:none;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Les p\u00e9riodes sous <strong>contrat local \u00e0 l'\u00e9tranger n'apparaissent jamais<\/strong> sur le relev\u00e9 de carri\u00e8re fran\u00e7ais, quelle que soit la convention<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>En cas d'accord : les p\u00e9riodes peuvent \u00eatre <strong>totalis\u00e9es<\/strong> pour l'ouverture des droits \u2014 mais ne seront pas cotis\u00e9es au sens fran\u00e7ais<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Sans accord : impact direct sur le nombre de trimestres pour atteindre le taux plein<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Je demande la r\u00e9gularisation de mes p\u00e9riodes aupr\u00e8s de ma caisse d'affiliation \u2192 <a href=\"https:\/\/www.info-retraite.fr\" target=\"_blank\" style=\"color:#2C5F6E;font-weight:500;\">info-retraite.fr<\/a><\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n  <div style=\"background:#1a1a1a;padding:10px 32px;\"><p style=\"font-size:11px;font-weight:300;color:#9a9088;font-style:italic;line-height:1.6;\">Chaque ann\u00e9e sous contrat local peut repr\u00e9senter <strong style=\"color:#f0ede6;\">4 trimestres manquants<\/strong> et un impact direct sur le montant de votre pension fran\u00e7aise.<\/p><\/div>\n<\/div>\n\n<div class=\"exm-s\">\n  <div style=\"background:#1a1a1a;padding:12px 32px;border-bottom:3px solid #2C5F6E;\"><span style=\"font-family:'Playfair Display',Georgia,serif;font-size:16px;font-style:italic;color:#fff;display:block;margin-bottom:3px;\">D\u00e9tachement ou expatriation \u2014 <em style=\"color:#7abfcc;\">deux situations tr\u00e8s diff\u00e9rentes.<\/em><\/span><span style=\"font-size:9px;color:#4a4540;text-transform:uppercase;letter-spacing:0.1em;\">Impact sur les trimestres cotis\u00e9s en France<\/span><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:16px 20px;border-right:1px solid #c8c3b8;background:#f7f4ee;\">\n      <div style=\"background:#2C5F6E;color:#fff;padding:7px 12px;font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;margin-bottom:12px;\">D\u00e9tachement<\/div>\n      <div style=\"background:#e8f2f5;border-left:3px solid #2C5F6E;padding:9px 12px;margin-bottom:10px;\"><p style=\"font-size:11px;font-weight:500;color:#2C5F6E;margin-bottom:3px;\">\u2713 Je reste affili\u00e9 au r\u00e9gime fran\u00e7ais<\/p><p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;\">Toutes les p\u00e9riodes sont <strong>cotis\u00e9es<\/strong> en France \u2014 trimestres et points pr\u00e9serv\u00e9s<\/p><\/div>\n      <div style=\"background:#f0ede6;border:1px solid #c8c3b8;padding:9px 12px;margin-bottom:10px;\"><p style=\"font-size:10px;font-weight:600;color:#2C5F6E;margin-bottom:4px;text-transform:uppercase;letter-spacing:0.08em;\">Cotisations vers\u00e9es en France<\/p><p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;\">Par <strong>l'employeur et le salari\u00e9<\/strong> \u2014 dans les conditions du droit fran\u00e7ais<\/p><\/div>\n      <ul style=\"list-style:none;\"><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;border-bottom:1px solid rgba(200,195,184,0.25);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:7px;\">\u25c6<\/span>Dur\u00e9e maximale fix\u00e9e par l'accord (g\u00e9n\u00e9ralement 3 ans)<\/li><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:7px;\">\u25c6<\/span>Au-del\u00e0 : bascule automatique en expatriation<\/li><\/ul>\n    <\/div>\n    <div style=\"padding:16px 20px;background:#f0ede6;\">\n      <div style=\"background:#2C5F6E;color:#fff;padding:7px 12px;font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;margin-bottom:12px;\">Expatriation \u00b7 contrat local<\/div>\n      <div style=\"background:#e8f2f5;border-left:3px solid #2C5F6E;padding:9px 12px;margin-bottom:8px;\"><p style=\"font-size:10px;font-weight:600;color:#2C5F6E;margin-bottom:3px;text-transform:uppercase;letter-spacing:0.08em;\">\u2713 Cotisations volontaires<\/p><p style=\"font-size:10px;font-weight:300;color:#3d3a35;line-height:1.5;\">P\u00e9riodes <strong>valid\u00e9es &amp; cotis\u00e9es<\/strong> \u2192 trimestres et points pr\u00e9serv\u00e9s<\/p><\/div>\n      <div style=\"background:#f7f4ee;border:1px solid #c8c3b8;padding:9px 12px;margin-bottom:6px;\"><p style=\"font-size:10px;font-weight:600;color:#7B2D3F;margin-bottom:6px;\">\u2717 Sans cotisations volontaires<\/p>\n        <div style=\"border-left:2px solid #2C5F6E;padding-left:8px;margin-bottom:7px;\"><p style=\"font-size:10px;font-weight:600;color:#2C5F6E;margin-bottom:3px;\">Avec convention (UE\/EEE\/Suisse ou bilat\u00e9rale)<\/p><p style=\"font-size:10px;font-weight:300;color:#3d3a35;line-height:1.5;\">P\u00e9riodes totalisables pour l'ouverture des droits \u2014 mais <strong>pas forc\u00e9ment valid\u00e9es pour la carri\u00e8re longue<\/strong><\/p><\/div>\n        <div style=\"border-left:2px solid #7B2D3F;padding-left:8px;\"><p style=\"font-size:10px;font-weight:600;color:#7B2D3F;margin-bottom:5px;\">Sans convention<\/p><div style=\"background:#e8f2f5;padding:5px 8px;margin-bottom:4px;\"><p style=\"font-size:10px;font-weight:300;color:#3d3a35;\"><strong style=\"color:#2C5F6E;\">Avant le 01\/04\/1983 :<\/strong> p\u00e9riodes valid\u00e9es dans tous les pays<\/p><\/div><div style=\"background:#fdf0ea;padding:5px 8px;\"><p style=\"font-size:10px;font-weight:300;color:#3d3a35;\"><strong style=\"color:#7B2D3F;\">Apr\u00e8s le 01\/04\/1983 :<\/strong> p\u00e9riodes <strong style=\"color:#7B2D3F;\">non valid\u00e9es<\/strong> \u2014 trimestres perdus<\/p><\/div><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n  <div style=\"background:#2C5F6E;padding:10px 32px;\"><p style=\"font-size:11px;font-weight:300;color:rgba(255,255,255,0.9);line-height:1.65;\"><strong style=\"color:#fff;\">\u26a0 Expatriation dans plusieurs pays \u00b7<\/strong> Plusieurs pays UE\/EEE\/Suisse = tous valid\u00e9s. Pays europ\u00e9en + conventionn\u00e9 = <strong>une seule<\/strong> convention retenue. Plusieurs pays conventionn\u00e9s = <strong>une seule<\/strong> convention retenue.<\/p><\/div>\n<\/div>\n\n<div class=\"exm-s\">\n  <div style=\"background:#2C5F6E;padding:12px 32px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:3px;\">Source : CLEISS \u00b7 <a href=\"https:\/\/www.cleiss.fr\" target=\"_blank\" style=\"color:#a8d4de;\">cleiss.fr<\/a><\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:17px;font-weight:400;color:#fff;\">Les accords de coordination et <em style=\"color:#a8d4de;\">les conventions bilat\u00e9rales.<\/em><\/div><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:14px 20px;border-right:1px solid #c8c3b8;background:#f7f4ee;\">\n      <div style=\"background:#2C5F6E;color:#fff;padding:6px 12px;font-size:9px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;margin-bottom:10px;\">R\u00e8glements europ\u00e9ens \u00b7 UE \/ EEE \/ Suisse<\/div>\n      <p style=\"font-size:10px;font-weight:300;color:#6b6860;font-style:italic;margin-bottom:8px;\">Couverture compl\u00e8te \u2014 totalisation + exportabilit\u00e9<\/p>\n      <div style=\"display:grid;grid-template-columns:1fr 1fr;gap:2px;font-size:10px;font-weight:300;color:#3d3a35;line-height:1.75;\">\n        <span>Allemagne<\/span><span>Autriche<\/span><span>Belgique<\/span><span>Bulgarie<\/span><span>Chypre<\/span><span>Croatie<\/span><span>Danemark<\/span><span>Espagne<\/span><span>Estonie<\/span><span>Finlande<\/span><span>Gr\u00e8ce<\/span><span>Hongrie<\/span><span>Irlande<\/span><span style=\"color:#2C5F6E;font-weight:500;\">Islande \u2726<\/span><span>Italie<\/span><span>Lettonie<\/span><span style=\"color:#2C5F6E;font-weight:500;\">Liechtenstein \u2726<\/span><span>Lituanie<\/span><span>Luxembourg<\/span><span>Malte<\/span><span style=\"color:#2C5F6E;font-weight:500;\">Norv\u00e8ge \u2726<\/span><span>Pays-Bas<\/span><span>Pologne<\/span><span>Portugal<\/span><span>R\u00e9p. tch\u00e8que<\/span><span>Roumanie<\/span><span>Slovaquie<\/span><span>Slov\u00e9nie<\/span><span>Su\u00e8de<\/span><span style=\"color:#2C5F6E;font-weight:500;\">Suisse \u2726<\/span>\n      <\/div>\n      <p style=\"font-size:9px;color:#8a8680;font-style:italic;margin-top:6px;\">\u2726 EEE ou accord sp\u00e9cifique<\/p>\n    <\/div>\n    <div style=\"padding:14px 20px;background:#f0ede6;\">\n      <div style=\"background:#1a1a1a;color:#2C5F6E;padding:6px 12px;font-size:9px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;margin-bottom:10px;\">Conventions bilat\u00e9rales \u00b7 ~41 pays<\/div>\n      <p style=\"font-size:10px;font-weight:300;color:#6b6860;font-style:italic;margin-bottom:8px;\">Coordination partielle \u2014 v\u00e9rifier sur <a href=\"https:\/\/www.cleiss.fr\" target=\"_blank\" style=\"color:#2C5F6E;\">cleiss.fr<\/a><\/p>\n      <div style=\"display:grid;grid-template-columns:1fr 1fr;gap:2px;font-size:10px;font-weight:300;color:#3d3a35;line-height:1.75;\">\n        <span>Alg\u00e9rie<\/span><span>Andorre<\/span><span>Argentine<\/span><span>B\u00e9nin<\/span><span>Bosnie-Herz.<\/span><span>Br\u00e9sil<\/span><span>Cameroun<\/span><span>Canada<\/span><span>Cap-Vert<\/span><span>Chili<\/span><span>Congo<\/span><span>Cor\u00e9e du Sud<\/span><span>C\u00f4te d'Ivoire<\/span><span>\u00c9tats-Unis<\/span><span>Gabon<\/span><span>Inde<\/span><span>Isra\u00ebl<\/span><span>Japon<\/span><span>Kosovo<\/span><span>Mac\u00e9doine<\/span><span>Madagascar<\/span><span>Mali<\/span><span>Maroc<\/span><span>Mauritanie<\/span><span>Monaco<\/span><span>Mont\u00e9n\u00e9gro<\/span><span>Niger<\/span><span>Philippines<\/span><span>Qu\u00e9bec<\/span><span>Saint-Marin<\/span><span>S\u00e9n\u00e9gal<\/span><span>Serbie<\/span><span>Togo<\/span><span>Tunisie<\/span><span>Turquie<\/span><span>Uruguay<\/span>\n      <\/div>\n      <p style=\"font-size:9px;color:#8a8680;font-style:italic;margin-top:6px;\">+ Nouvelle-Cal\u00e9donie \u00b7 Polyn\u00e9sie fran\u00e7aise \u00b7 Saint-Pierre-et-Miquelon<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div class=\"exm-s\">\n  <div style=\"background:#2C5F6E;padding:12px 32px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:3px;\">Apr\u00e8s la liquidation des droits fran\u00e7ais<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:17px;font-weight:400;color:#fff;\">Travailler \u00e0 l'\u00e9tranger apr\u00e8s la retraite \u2014 <em style=\"color:#a8d4de;\">une libert\u00e9 que la loi fran\u00e7aise ne restreint pas.<\/em><\/div><\/div>\n  <div style=\"background:#e8f2f5;border-left:3px solid #2C5F6E;padding:10px 32px;border-bottom:1px solid #c8c3b8;\"><p style=\"font-size:12px;font-weight:300;color:#3d3a35;line-height:1.7;\">Les revenus per\u00e7us \u00e0 l'\u00e9tranger <strong>\u00e9chappent aux r\u00e8gles fran\u00e7aises du cumul emploi-retraite.<\/strong> Il est possible de percevoir sa pension fran\u00e7aise int\u00e9gralement tout en travaillant \u00e0 l'\u00e9tranger \u2014 <strong>avant m\u00eame 67 ans.<\/strong><\/p><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:16px 20px;border-right:1px solid #c8c3b8;background:#f7f4ee;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;color:#2C5F6E;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid #2C5F6E;\">Activit\u00e9 \u00e0 l'\u00e9tranger apr\u00e8s liquidation<\/div>\n      <ul style=\"list-style:none;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Pension fran\u00e7aise vers\u00e9e <strong>int\u00e9gralement<\/strong> \u2014 aucun \u00e9cr\u00eatement<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Revenus \u00e9trangers <strong>hors des r\u00e8gles du CER fran\u00e7ais<\/strong><\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Possible d\u00e8s la liquidation \u2014 <strong>avant 67 ans<\/strong><\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2C5F6E;font-size:5px;top:8px;\">\u25c6<\/span>Pas de condition de taux plein ni d'\u00e2ge minimum<\/li>\n      <\/ul>\n    <\/div>\n    <div style=\"padding:16px 20px;background:#f0ede6;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:13px;font-style:italic;color:#7B2D3F;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid #7B2D3F;\">Vs. activit\u00e9 en France apr\u00e8s liquidation<\/div>\n      <div style=\"background:#f7f4ee;border:1px solid #c8c3b8;padding:10px 12px;margin-bottom:8px;\"><p style=\"font-size:10px;font-weight:600;color:#7B2D3F;margin-bottom:5px;\">CER int\u00e9gral \u2014 uniquement \u00e0 67 ans<\/p><p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;padding-left:12px;\">\u25c6 Pension int\u00e9grale + revenus sans plafond \u00b7 Possible de cr\u00e9er de nouveaux droits<\/p><\/div>\n      <div style=\"background:#fdf0ea;border:1px solid #7B2D3F;border-left:3px solid #7B2D3F;padding:10px 12px;margin-bottom:8px;\"><p style=\"font-size:10px;font-weight:600;color:#7B2D3F;margin-bottom:5px;\">CER plafonn\u00e9 \u2014 entre \u00e2ge l\u00e9gal et 67 ans<\/p><p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;padding-left:12px;\">\u25c6 \u00c9cr\u00eatement de 50 % des revenus sup\u00e9rieurs \u00e0 ~7 000 \u20ac \/an<br>\u25c6 Aucun nouveau droit \u00e0 retraite<\/p><\/div>\n      <div style=\"background:#f7f4ee;border-left:3px solid #c8c3b8;padding:8px 12px;\"><p style=\"font-size:10px;font-weight:300;color:#3d3a35;font-style:italic;line-height:1.5;\"><strong style=\"font-weight:500;\">Simulation \u00b7<\/strong> Pour un revenu de 70 000 \u20ac\/an et une pension de 48 000 \u20ac\/an : manque \u00e0 gagner jusqu'\u00e0 <strong style=\"color:#7B2D3F;\">\u221231 500 \u20ac\/an<\/strong> en France vs 0 \u20ac \u00e0 l'\u00e9tranger.<\/p><\/div>\n    <\/div>\n  <\/div>\n  <div style=\"background:#1a1a1a;border-left:3px solid #2C5F6E;padding:10px 32px;\"><p style=\"font-size:10px;font-weight:300;color:#9a9088;font-style:italic;line-height:1.6;\"><strong style=\"color:#f0ede6;\">Attention :<\/strong> cette libert\u00e9 ne s'applique qu'aux revenus g\u00e9n\u00e9r\u00e9s <strong style=\"color:#2C5F6E;\">hors de France<\/strong>. En cas d'activit\u00e9 simultan\u00e9e en France et \u00e0 l'\u00e9tranger, les r\u00e8gles fran\u00e7aises du CER s'appliquent sur la part fran\u00e7aise. <strong style=\"color:#f0ede6;\">Une analyse personnalis\u00e9e est indispensable.<\/strong><\/p><\/div>\n<\/div>\n\n<\/div>\n<div class=\"exm-tip\"><p>Votre parcours international m\u00e9rite<br>une <strong>expertise retraite d\u00e9di\u00e9e.<\/strong><\/p><a href=\"https:\/\/www.gestion-retraite.fr\/contact\/\" target=\"_blank\" class=\"exm-tip-btn\">Contactez NB Consulting \u2192<\/a><\/div>\n<div class=\"exm-ctrl\"><div class=\"exm-dots exm-dotsEl\"><div class=\"exm-dot active\"><\/div><div class=\"exm-dot\"><\/div><div class=\"exm-dot\"><\/div><div class=\"exm-dot\"><\/div><\/div><div class=\"exm-arrows\"><button class=\"exm-arr exm-prev\" onclick=\"exmPrev()\" disabled=\"\">\u2190<\/button><button class=\"exm-arr exm-next\" onclick=\"exmNext()\">\u2192<\/button><\/div><\/div>\n<\/div>\n<script>\nvar 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id=\"igModalSecuriserDroits\" style=\"display: block;\"><style>\n.sdm{background:#f0ede6;font-family:\"Inter\",sans-serif;width:100%;border:1px solid #c8c3b8;}\n.sdm-head{background:#1a1a1a;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;}\n.sdm-ht{font-family:\"Playfair Display\",Georgia,serif;font-size:15px;font-weight:400;color:#f0ede6;}\n.sdm-ht em{font-style:italic;color:#9B7B3F;}\n.sdm-tabs{display:flex;border-bottom:1px solid #c8c3b8;background:#f7f4ee;}\n.sdm-tab{flex:1;padding:12px 10px;font-size:9px;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;color:#8a8680;cursor:pointer;border-bottom:2px solid transparent;transition:all 0.15s;text-align:center;background:none;border-top:none;border-left:none;border-right:none;font-family:\"Inter\",sans-serif;}\n.sdm-tab.active{color:#9B7B3F;border-bottom-color:#9B7B3F;}\n.sdm-slides{overflow:hidden;}\n.sdm-s{display:none;}\n.sdm-s.active{display:block;}\n.sdm-tip{background:#1a1a1a;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:3px solid #9B7B3F;}\n.sdm-tip p{font-family:\"Playfair Display\",Georgia,serif;font-size:13px;font-style:italic;color:#f0ede6;}\n.sdm-tip p strong{font-style:normal;color:#9B7B3F;}\n.sdm-tip-btn{font-size:9px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:#1a1a1a;background:#9B7B3F;padding:9px 16px;text-decoration:none;flex-shrink:0;}\n.sdm-ctrl{display:flex;align-items:center;justify-content:space-between;padding:10px 32px;border-top:1px solid #c8c3b8;background:#f7f4ee;}\n.sdm-dots{display:flex;gap:5px;}\n.sdm-dot{width:7px;height:7px;border-radius:50%;background:#c8c3b8;cursor:pointer;transition:all 0.2s;}\n.sdm-dot.active{width:20px;border-radius:4px;background:#9B7B3F;}\n.sdm-arrows{display:flex;gap:6px;}\n.sdm-arr{width:30px;height:30px;border:1px solid #c8c3b8;background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;font-size:11px;color:#3d3a35;transition:all 0.15s;}\n.sdm-arr:hover{background:#9B7B3F;color:#fff;border-color:#9B7B3F;}\n.sdm-arr:disabled{opacity:0.3;cursor:not-allowed;}\n<\/style>\n<div class=\"sdm\" id=\"sdm_wrap\">\n<div class=\"sdm-head\"><div class=\"sdm-ht\">S\u00e9curiser ses droits \u00b7 <em>J'\u00e9vite les erreurs<\/em><\/div><span style=\"font-size:10px;color:#3a3835;\">Fiche <strong class=\"sdm-n\" style=\"color:#9B7B3F;\">1<\/strong> \/ 2<\/span><\/div>\n<div class=\"sdm-tabs\">\n  <button class=\"sdm-tab active\" onclick=\"sdmGo(this,0)\">Les erreurs &amp; que faire d\u00e8s 45 ans<\/button>\n  <button class=\"sdm-tab\" onclick=\"sdmGo(this,1)\">Apr\u00e8s la liquidation \u00b7 recours &amp; r\u00e9gularisation<\/button>\n<\/div>\n<div class=\"sdm-slides\">\n\n<div class=\"sdm-s active\">\n  <div style=\"background:#9B7B3F;padding:12px 32px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:3px;\">Des erreurs trop nombreuses<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:17px;font-weight:400;color:#fff;\">Ce que vous ne v\u00e9rifiez pas, <em style=\"color:#f0d090;\">vous le perdez.<\/em><\/div><\/div>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:18px 16px;border-right:1px solid #c8c3b8;background:#f7f4ee;text-align:center;\"><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:30px;font-weight:400;color:#9B7B3F;line-height:1;margin-bottom:5px;\">700 000<\/div><div style=\"font-size:8px;font-weight:600;letter-spacing:0.1em;text-transform:uppercase;color:#6b6860;margin-bottom:7px;\">d\u00e9parts \/ an<\/div><div style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;\">Chaque ann\u00e9e en France<\/div><\/div>\n    <div style=\"padding:18px 16px;border-right:1px solid #c8c3b8;background:#f0ede6;text-align:center;\"><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:30px;font-weight:400;color:#9B7B3F;line-height:1;margin-bottom:5px;\">88 %<\/div><div style=\"font-size:8px;font-weight:600;letter-spacing:0.1em;text-transform:uppercase;color:#6b6860;margin-bottom:7px;\">des relev\u00e9s<\/div><div style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;\">comportent des anomalies <strong style=\"font-weight:500;\">d\u00e9favorables<\/strong> aux assur\u00e9s<\/div><\/div>\n    <div style=\"padding:18px 16px;background:#f7f4ee;text-align:center;\"><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:30px;font-weight:400;color:#7B2D3F;line-height:1;margin-bottom:5px;\">1 \/ 8<\/div><div style=\"font-size:8px;font-weight:600;letter-spacing:0.1em;text-transform:uppercase;color:#6b6860;margin-bottom:7px;\">pensions<\/div><div style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;\">est <strong style=\"font-weight:500;color:#7B2D3F;\">mal liquid\u00e9e<\/strong> \u2014 impact d\u00e9finitif<\/div><\/div>\n  <\/div>\n  <div style=\"background:#9B7B3F;padding:10px 32px;\"><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:18px;color:#fff;text-align:center;font-style:italic;font-weight:400;letter-spacing:0.01em;\">Que faire d\u00e8s 45 ans ?<\/div><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:16px 20px;border-right:1px solid #c8c3b8;background:#f7f4ee;\">\n      <div style=\"font-size:9px;font-weight:700;color:#2D6A4F;text-transform:uppercase;letter-spacing:0.1em;margin-bottom:10px;padding-bottom:5px;border-bottom:1px solid #c8c3b8;display:flex;align-items:center;gap:6px;\"><span style=\"width:14px;height:14px;background:#2D6A4F;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;color:#fff;font-size:8px;\">\u2713<\/span>Je v\u00e9rifie mes trimestres &amp; points<\/div>\n      <div style=\"font-size:9px;font-weight:600;color:#9B7B3F;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:5px;\">R\u00e9gime de base \u00b7 trimestres<\/div>\n      <ul style=\"list-style:none;margin-bottom:10px;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;border-bottom:1px solid rgba(200,195,184,0.25);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:7px;\">\u25c6<\/span>Service militaire<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;border-bottom:1px solid rgba(200,195,184,0.25);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:7px;\">\u25c6<\/span>Jobs d'\u00e9t\u00e9<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;border-bottom:1px solid rgba(200,195,184,0.25);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:7px;\">\u25c6<\/span>Enfants \u00e9lev\u00e9s ou \u00e9duqu\u00e9s<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;border-bottom:1px solid rgba(200,195,184,0.25);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:7px;\">\u25c6<\/span>P\u00e9riodes indemnis\u00e9es (ch\u00f4mage \/ maladie)<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:7px;\">\u25c6<\/span>Travail \u00e0 l'\u00e9tranger<\/li>\n      <\/ul>\n      <div style=\"font-size:9px;font-weight:600;color:#9B7B3F;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:5px;\">R\u00e9gimes compl\u00e9mentaires \u00b7 points<\/div>\n      <ul style=\"list-style:none;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;border-bottom:1px solid rgba(200,195,184,0.25);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:7px;\">\u25c6<\/span>P\u00e9riodes travaill\u00e9es et indemnis\u00e9es<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:7px;\">\u25c6<\/span>Fluctuations importantes d'une ann\u00e9e \u00e0 l'autre<\/li>\n      <\/ul>\n    <\/div>\n    <div style=\"padding:16px 20px;background:#f0ede6;\">\n      <div style=\"font-size:9px;font-weight:700;color:#9B7B3F;text-transform:uppercase;letter-spacing:0.1em;margin-bottom:10px;padding-bottom:5px;border-bottom:1px solid #c8c3b8;display:flex;align-items:center;gap:6px;\"><span style=\"width:14px;height:14px;background:#9B7B3F;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;color:#fff;font-size:8px;\">\u2713<\/span>Je r\u00e9gularise avant la liquidation<\/div>\n      <ul style=\"list-style:none;\">\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:5px 0 5px 12px;position:relative;border-bottom:1px solid rgba(200,195,184,0.25);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:9px;\">\u25c6<\/span>Je demande la r\u00e9gularisation des p\u00e9riodes manquantes aupr\u00e8s de mon r\u00e9gime (base et compl\u00e9mentaires)<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:5px 0 5px 12px;position:relative;border-bottom:1px solid rgba(200,195,184,0.25);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:9px;\">\u25c6<\/span>Je fournis les justificatifs : bulletins de paie, attestations employeur, documents officiels<\/li>\n        <li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:5px 0 5px 12px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:9px;\">\u25c6<\/span>La r\u00e9gularisation avant liquidation prend effet d\u00e8s la liquidation \u2014 sans limite r\u00e9troactive<\/li>\n      <\/ul>\n      <div style=\"background:#f7f4ee;border-left:2px solid #9B7B3F;padding:8px 12px;margin-top:12px;\"><p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;\"><strong style=\"font-weight:500;\">Je t\u00e9l\u00e9charge mes informations :<\/strong><br><a href=\"https:\/\/www.lassuranceretraite.fr\" target=\"_blank\" style=\"color:#9B7B3F;font-weight:500;\">lassuranceretraite.fr<\/a> \u00b7 <a href=\"https:\/\/www.info-retraite.fr\" target=\"_blank\" style=\"color:#9B7B3F;font-weight:500;\">info-retraite.fr<\/a><\/p><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div class=\"sdm-s\">\n  <div style=\"background:#1a1a1a;padding:12px 32px;border-bottom:3px solid #9B7B3F;\"><span style=\"font-family:'Playfair Display',Georgia,serif;font-size:18px;font-weight:400;font-style:italic;color:#fff;display:block;margin-bottom:4px;\">Apr\u00e8s la liquidation \u2014 <em style=\"color:#c8a96e;\">il est encore temps d'agir.<\/em><\/span><span style=\"font-size:9px;color:#6a6560;text-transform:uppercase;letter-spacing:0.12em;\">Recours &amp; r\u00e9gularisation<\/span><\/div>\n  <div style=\"padding:10px 32px;background:#f7f4ee;border-bottom:1px solid #c8c3b8;\"><p style=\"font-size:12px;font-weight:300;color:#3d3a35;line-height:1.7;\">Une fois mes droits liquid\u00e9s, le calcul de ma pension est d\u00e9finitif. Il existe toutefois des recours pour proc\u00e9der \u00e0 des r\u00e9gularisations.<\/p><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:16px 20px;border-right:1px solid #c8c3b8;background:#f7f4ee;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:14px;font-style:italic;color:#9B7B3F;margin-bottom:10px;padding-bottom:6px;border-bottom:2px solid #9B7B3F;\">R\u00e9gime de base<\/div>\n      <div style=\"font-size:10px;font-weight:600;color:#9B7B3F;margin-bottom:4px;\">CRA \u2014 Commission de Recours Amiable<\/div>\n      <p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;padding-left:12px;border-bottom:1px solid rgba(200,195,184,0.3);padding-bottom:10px;margin-bottom:10px;\">Recours dans les <strong>2 mois<\/strong> suivant la notification retraite<\/p>\n      <div style=\"font-size:10px;font-weight:600;color:#9B7B3F;margin-bottom:4px;\">TASS \u2014 Tribunal des Affaires de S\u00e9curit\u00e9 Sociale<\/div>\n      <p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;padding-left:12px;\">En cas de rejet de mon recours amiable<\/p>\n    <\/div>\n    <div style=\"padding:16px 20px;background:#f0ede6;\">\n      <div style=\"font-family:'Playfair Display',Georgia,serif;font-size:14px;font-style:italic;color:#9B7B3F;margin-bottom:10px;padding-bottom:6px;border-bottom:2px solid #9B7B3F;\">R\u00e9gimes compl\u00e9mentaires<\/div>\n      <div style=\"font-size:10px;font-weight:600;color:#9B7B3F;margin-bottom:4px;\">Avec r\u00e9troactivit\u00e9<\/div>\n      <p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;padding-left:12px;border-bottom:1px solid rgba(200,195,184,0.3);padding-bottom:10px;margin-bottom:10px;\">Si ma p\u00e9riode est d\u00e9j\u00e0 enregistr\u00e9e sur mes relev\u00e9s de carri\u00e8re<\/p>\n      <div style=\"font-size:10px;font-weight:600;color:#9B7B3F;margin-bottom:4px;\">\u00c0 la date de ma demande<\/div>\n      <p style=\"font-size:11px;font-weight:300;color:#3d3a35;line-height:1.5;padding-left:12px;\">Si la p\u00e9riode n'est pas encore enregistr\u00e9e sur mes relev\u00e9s<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"background:#9B7B3F;padding:12px 32px;\"><p style=\"font-size:11.5px;font-weight:300;color:rgba(255,255,255,0.95);line-height:1.65;\">Depuis le <strong style=\"color:#fff;\">1er juillet 2021<\/strong>, plus de limite d'\u00e2ge pour demander la r\u00e9gularisation des p\u00e9riodes absentes de son relev\u00e9 de carri\u00e8re. <strong style=\"color:#f0d090;\">Agissez sans attendre.<\/strong><\/p><\/div>\n<\/div>\n\n<\/div>\n<div class=\"sdm-tip\"><p>Un regard expert<br>sur <strong>vos droits.<\/strong><\/p><a href=\"https:\/\/www.gestion-retraite.fr\/contact\/\" target=\"_blank\" class=\"sdm-tip-btn\">Contactez NB Consulting \u2192<\/a><\/div>\n<div class=\"sdm-ctrl\"><div class=\"sdm-dots sdm-dotsEl\"><div class=\"sdm-dot active\"><\/div><div class=\"sdm-dot\"><\/div><\/div><div class=\"sdm-arrows\"><button class=\"sdm-arr sdm-prev\" onclick=\"sdmPrev()\" disabled=\"\">\u2190<\/button><button class=\"sdm-arr sdm-next\" onclick=\"sdmNext()\">\u2192<\/button><\/div><\/div>\n<\/div>\n<script>\nvar sdmC=0;\n(function(){var d=document.querySelector('.sdm-dotsEl');for(var i=0;i<2;i++){var dot=document.createElement('div');dot.className='sdm-dot'+(i===0?' active':'');dot.onclick=(function(n){return function(){sdmGo(null,n);};})(i);d.appendChild(dot);}})();\nfunction sdmGo(el,n){var w=document.getElementById('sdm_wrap');w.querySelectorAll('.sdm-s')[sdmC].classList.remove('active');w.querySelectorAll('.sdm-tab')[sdmC].classList.remove('active');w.querySelectorAll('.sdm-dot')[sdmC].classList.remove('active');sdmC=n;w.querySelectorAll('.sdm-s')[sdmC].classList.add('active');w.querySelectorAll('.sdm-tab')[sdmC].classList.add('active');w.querySelectorAll('.sdm-dot')[sdmC].classList.add('active');w.querySelector('.sdm-n').textContent=sdmC+1;w.querySelector('.sdm-prev').disabled=sdmC===0;w.querySelector('.sdm-next').disabled=sdmC===1;}\nfunction sdmPrev(){if(sdmC>0)sdmGo(null,sdmC-1);}\nfunction sdmNext(){if(sdmC<1)sdmGo(null,sdmC+1);}\n<\/script><\/div>\n  <div id=\"igModalAgeDepart\" style=\"display: none;\">\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550 CAROUSEL A \u2014 \u00c2GE L\u00c9GAL & TAUX PLEIN \u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div id=\"age-legal-taux-plein\" style=\"max-width:1100px;margin:0 auto;padding:56px 60px 8px;\">\n  <span class=\"eyebrow\">Identifier son \u00e2ge de d\u00e9part<\/span>\n  <h2 style=\"font-family:'Playfair Display',Georgia,serif;font-size:clamp(22px,2.8vw,32px);font-weight:400;color:var(--dark);line-height:1.2;margin-bottom:10px;\">\u00c2ge l\u00e9gal &amp; <em style=\"font-style:italic;color:#b8964e;\">taux plein.<\/em><\/h2>\n  <p style=\"font-size:13px;font-weight:300;color:var(--muted);line-height:1.7;margin-bottom:28px;max-width:560px;\">Deux notions fondamentales et le cadre r\u00e9glementaire pour chaque g\u00e9n\u00e9ration selon la LFSS 2026.<\/p>\n<\/div>\n<div style=\"max-width:1100px;margin:0 auto;padding:0 60px 56px;\">\n<style>\n.carA2{background:#f0ede6;font-family:\"Inter\",sans-serif;width:100%;border:1px solid #c8c3b8;}\n.carA2-head{background:#1a1a1a;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;}\n.carA2-ht{font-family:\"Playfair Display\",Georgia,serif;font-size:15px;font-weight:400;color:#f0ede6;}\n.carA2-ht em{font-style:italic;color:#b8964e;}\n.carA2-tabs{display:flex;border-bottom:1px solid #c8c3b8;background:#f7f4ee;}\n.carA2-tab{flex:1;padding:12px 10px;font-size:9px;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;color:#8a8680;cursor:pointer;border-bottom:2px solid transparent;transition:all 0.15s;text-align:center;background:none;border-top:none;border-left:none;border-right:none;font-family:\"Inter\",sans-serif;}\n.carA2-tab.active{color:#b8964e;border-bottom-color:#b8964e;}\n.carA2-slides{overflow:hidden;}\n.carA2-s{display:none;}\n.carA2-s.active{display:block;}\n.carA2-tip{background:#1a1a1a;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:3px solid #b8964e;}\n.carA2-tip p{font-family:\"Playfair Display\",Georgia,serif;font-size:13px;font-style:italic;color:#f0ede6;}\n.carA2-tip p strong{font-style:normal;color:#9B7B3F;}\n.carA2-tip-btn{font-size:9px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:#1a1a1a;background:#9B7B3F;padding:9px 16px;text-decoration:none;flex-shrink:0;}\n.carA2-ctrl{display:flex;align-items:center;justify-content:space-between;padding:10px 32px;border-top:1px solid #c8c3b8;background:#f7f4ee;}\n.carA2-dots{display:flex;gap:5px;}\n.carA2-dot{width:7px;height:7px;border-radius:50%;background:#c8c3b8;cursor:pointer;transition:all 0.2s;}\n.carA2-dot.active{width:20px;border-radius:4px;background:#b8964e;}\n.carA2-arrows{display:flex;gap:6px;}\n.carA2-arr{width:30px;height:30px;border:1px solid #c8c3b8;background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;font-size:11px;color:#3d3a35;transition:all 0.15s;}\n.carA2-arr:hover{background:#b8964e;color:#fff;border-color:#b8964e;}\n.carA2-arr:disabled{opacity:0.3;cursor:not-allowed;}\n.tbl2{width:100%;border-collapse:collapse;font-size:11px;}\n.tbl2 th{padding:8px 10px;font-size:9px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;text-align:center;}\n.tbl2 td{padding:8px 10px;border-bottom:1px solid #c8c3b8;color:#3d3a35;font-weight:300;text-align:center;}\n.tbl2 td:first-child{text-align:left;font-weight:500;color:#1a1a1a;}\n.tbl2 tr:nth-child(even) td{background:#f7f4ee;}\n.tbl2 tr:last-child td{border-bottom:none;}\n.chg{color:#b8964e!important;font-weight:600!important;}\n<\/style>\n<div class=\"carA2\" id=\"carA2_wrap\">\n<div class=\"carA2-head\"><div class=\"carA2-ht\">Identifier son \u00e2ge de d\u00e9part \u00b7 <em>\u00c2ge l\u00e9gal &amp; taux plein<\/em><\/div><span style=\"font-size:10px;color:#3a3835;\">Fiche <strong class=\"carA2-n\" style=\"color:#b8964e;\">1<\/strong> \/ 2<\/span><\/div>\n<div class=\"carA2-tabs\">\n  <button class=\"carA2-tab active\" onclick=\"carA2Go(this,0)\">Notions fondamentales<\/button>\n  <button class=\"carA2-tab\" onclick=\"carA2Go(this,1)\">Tableau par g\u00e9n\u00e9ration \u00b7 LFSS 2026<\/button>\n<\/div>\n<div class=\"carA2-slides\">\n<div class=\"carA2-s active\">\n  <div style=\"background:#b8964e;padding:12px 32px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:3px;\">Deux notions fondamentales<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:17px;font-weight:400;color:#fff;\">\u00c2ge l\u00e9gal et taux plein \u2014 <em style=\"color:#f0e0b0;\">deux notions distinctes.<\/em><\/div><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:20px 24px;border-right:1px solid #c8c3b8;background:#f7f4ee;text-align:center;\"><div style=\"font-size:10px;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:#b8964e;border-bottom:2px solid #b8964e;padding-bottom:6px;margin-bottom:12px;\">\u00c2ge l\u00e9gal<\/div><p style=\"font-size:13px;font-weight:300;color:#3d3a35;line-height:1.7;\">\u00c2ge minimum \u00e0 partir duquel<br>on peut demander sa retraite.<\/p><\/div>\n    <div style=\"padding:20px 24px;background:#f0ede6;text-align:center;\"><div style=\"font-size:10px;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:#b8964e;border-bottom:2px solid #b8964e;padding-bottom:6px;margin-bottom:12px;\">Taux plein<\/div><p style=\"font-size:13px;font-weight:300;color:#3d3a35;line-height:1.7;\">Taux maximum appliqu\u00e9<br>aux pensions de retraite.<\/p><\/div>\n  <\/div>\n  <div style=\"padding:14px 24px;background:#f7f4ee;display:flex;flex-direction:column;gap:8px;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:9px 14px;background:#f0ede6;border:1px solid #c8c3b8;border-left:3px solid #2D6A4F;display:flex;align-items:center;justify-content:space-between;\"><span style=\"font-size:11.5px;font-weight:300;color:#3d3a35;\">\u00c2ge l\u00e9gal <strong style=\"color:#2D6A4F;\">avec<\/strong> taux plein \/ \u00e2ge d\u00e9rogatoire \/ 67 ans<\/span><span style=\"font-size:11.5px;font-weight:600;color:#2D6A4F;white-space:nowrap;margin-left:20px;\">= Retraite compl\u00e8te<\/span><\/div>\n    <div style=\"padding:9px 14px;background:#f0ede6;border:1px solid #c8c3b8;border-left:3px solid #7B2D3F;display:flex;align-items:center;justify-content:space-between;\"><span style=\"font-size:11.5px;font-weight:300;color:#3d3a35;\">\u00c2ge l\u00e9gal <strong style=\"color:#7B2D3F;\">sans<\/strong> taux plein<\/span><span style=\"font-size:11.5px;font-weight:600;color:#7B2D3F;white-space:nowrap;margin-left:20px;\">= Retraite r\u00e9duite (d\u00e9cote)<\/span><\/div>\n  <\/div>\n  <div style=\"background:#1a1a1a;padding:14px 32px;display:flex;align-items:center;justify-content:center;gap:20px;\"><span style=\"font-size:11px;font-weight:600;color:#f0ede6;text-transform:uppercase;letter-spacing:0.1em;\">Minimum retraite pour carri\u00e8re compl\u00e8te :<\/span><span style=\"font-size:20px;font-weight:700;color:#b8964e;font-family:'Playfair Display',Georgia,serif;\">85 % du SMIC<\/span><\/div>\n<\/div>\n<div class=\"carA2-s\">\n  <div style=\"background:#1a1a1a;padding:12px 32px;border-bottom:3px solid #b8964e;\"><span style=\"font-size:12px;font-weight:700;color:#fff;display:block;margin-bottom:3px;\">Le cadre pour chaque g\u00e9n\u00e9ration \u00b7 <span style=\"color:#b8964e;\">LFSS 2026<\/span><\/span><span style=\"font-size:9px;color:#4a4540;letter-spacing:0.1em;text-transform:uppercase;\">Loi n\u00b0 2025-1403 du 30 d\u00e9cembre 2025<\/span><\/div>\n  <div style=\"padding:12px 24px 0;overflow-x:auto;\">\n    <table class=\"tbl2\">\n      <thead>\n        <tr><th style=\"background:#f0ede6;color:#3d3a35;text-align:left;width:22%;\">N\u00e9\u00b7e en<\/th><th colspan=\"2\" style=\"background:#b8964e;color:#fff;\">\u00c2ge l\u00e9gal<\/th><th colspan=\"2\" style=\"background:#2D6A4F;color:#fff;\">Trimestres taux plein<\/th><th style=\"background:#1a1a1a;color:#b8964e;\">Taux plein auto<\/th><\/tr>\n        <tr><th style=\"background:#f7f4ee;\"><\/th><th style=\"background:#f5ead0;color:#7a5a20;font-size:8px;\">Jusqu'en 09\/26<\/th><th style=\"background:#f5ead0;color:#7a5a20;font-size:8px;\">\u00c0 partir de 09\/26<\/th><th style=\"background:#e8f2ed;color:#1a5c38;font-size:8px;\">Jusqu'en 09\/26<\/th><th style=\"background:#e8f2ed;color:#1a5c38;font-size:8px;\">\u00c0 partir de 09\/26<\/th><th style=\"background:#f7f4ee;\"><\/th><\/tr>\n      <\/thead>\n      <tbody>\n        <tr><td>1963<\/td><td>62 ans 9 mois<\/td><td>62 ans 9 mois<\/td><td>170<\/td><td>170<\/td><td rowspan=\"8\" style=\"background:#1a1a1a;color:#b8964e;font-family:'Playfair Display',Georgia,serif;font-size:20px;font-weight:400;vertical-align:middle;text-align:center;\">67 ans<\/td><\/tr>\n        <tr><td>1964<\/td><td>63 ans<\/td><td class=\"chg\">62 ans 9 mois<\/td><td>171<\/td><td class=\"chg\">170<\/td><\/tr>\n        <tr><td>01\/01\u201331\/03\/1965<\/td><td>63 ans 3 mois<\/td><td class=\"chg\">62 ans 9 mois<\/td><td>172<\/td><td class=\"chg\">170<\/td><\/tr>\n        <tr><td>\u00c0 partir 01\/04\/1965<\/td><td>63 ans 3 mois<\/td><td class=\"chg\">63 ans<\/td><td>172<\/td><td class=\"chg\">171<\/td><\/tr>\n        <tr><td>1966<\/td><td>63 ans 6 mois<\/td><td class=\"chg\">63 ans 3 mois<\/td><td>172<\/td><td>172<\/td><\/tr>\n        <tr><td>1967<\/td><td>63 ans 9 mois<\/td><td class=\"chg\">63 ans 6 mois<\/td><td>172<\/td><td>172<\/td><\/tr>\n        <tr><td>1968<\/td><td>64 ans<\/td><td class=\"chg\">63 ans 9 mois<\/td><td>172<\/td><td>172<\/td><\/tr>\n        <tr><td>1969 et apr\u00e8s<\/td><td>64 ans<\/td><td>64 ans<\/td><td>172<\/td><td>172<\/td><\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n  <div style=\"padding:6px 24px 12px;font-size:9.5px;color:#8a8680;font-style:italic;\">Valeurs en or = assouplissement LFSS 2026 vs r\u00e9forme 2023 \u00b7 Source : Loi n\u00b0 2025-1403<\/div>\n<\/div>\n<\/div>\n<div class=\"carA2-tip\"><p>Votre g\u00e9n\u00e9ration d\u00e9termine vos conditions.<br><strong>V\u00e9rifiez pr\u00e9cis\u00e9ment votre situation.<\/strong><\/p><a href=\"https:\/\/www.gestion-retraite.fr\/contact\/\" target=\"_blank\" class=\"carA2-tip-btn\">Contactez NB Consulting \u2192<\/a><\/div>\n<div class=\"carA2-ctrl\"><div class=\"carA2-dots carA2-dotsEl\"><div class=\"carA2-dot active\"><\/div><div class=\"carA2-dot\"><\/div><\/div><div class=\"carA2-arrows\"><button class=\"carA2-arr carA2-prev\" onclick=\"carA2Prev()\" disabled=\"\">\u2190<\/button><button class=\"carA2-arr carA2-next\" onclick=\"carA2Next()\">\u2192<\/button><\/div><\/div>\n<\/div>\n<script>\nvar carA2C=0;\n(function(){var d=document.querySelector('.carA2-dotsEl');for(var i=0;i<2;i++){var dot=document.createElement('div');dot.className='carA2-dot'+(i===0?' active':'');dot.onclick=(function(n){return function(){carA2Go(null,n);};})(i);d.appendChild(dot);}})();\nfunction carA2Go(el,n){var w=document.getElementById('carA2_wrap');w.querySelectorAll('.carA2-s')[carA2C].classList.remove('active');w.querySelectorAll('.carA2-tab')[carA2C].classList.remove('active');w.querySelectorAll('.carA2-dot')[carA2C].classList.remove('active');carA2C=n;w.querySelectorAll('.carA2-s')[carA2C].classList.add('active');w.querySelectorAll('.carA2-tab')[carA2C].classList.add('active');w.querySelectorAll('.carA2-dot')[carA2C].classList.add('active');w.querySelector('.carA2-n').textContent=carA2C+1;w.querySelector('.carA2-prev').disabled=carA2C===0;w.querySelector('.carA2-next').disabled=carA2C===1;}\nfunction carA2Prev(){if(carA2C>0)carA2Go(null,carA2C-1);}\nfunction carA2Next(){if(carA2C<1)carA2Go(null,carA2C+1);}\n<\/script>\n<\/div>\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550 CAROUSEL B \u2014 \u00c2GES D\u00c9ROGATOIRES \u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div id=\"ages-derogatoires\" style=\"max-width:1100px;margin:0 auto;padding:40px 60px 8px;\">\n  <span class=\"eyebrow\">Identifier son \u00e2ge de d\u00e9part<\/span>\n  <h2 style=\"font-family:'Playfair Display',Georgia,serif;font-size:clamp(22px,2.8vw,32px);font-weight:400;color:var(--dark);line-height:1.2;margin-bottom:10px;\">\u00c2ges <em style=\"font-style:italic;color:#b8964e;\">d\u00e9rogatoires.<\/em><\/h2>\n  <p style=\"font-size:13px;font-weight:300;color:var(--muted);line-height:1.7;margin-bottom:28px;max-width:560px;\">Carri\u00e8re longue et situations de fragilit\u00e9 \u2014 partir avant l'\u00e2ge l\u00e9gal sous certaines conditions.<\/p>\n<\/div>\n<div style=\"max-width:1100px;margin:0 auto;padding:0 60px 56px;\">\n<style>\n.carB2{background:#f0ede6;font-family:\"Inter\",sans-serif;width:100%;border:1px solid #c8c3b8;}\n.carB2-head{background:#1a1a1a;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;}\n.carB2-ht{font-family:\"Playfair Display\",Georgia,serif;font-size:15px;font-weight:400;color:#f0ede6;}\n.carB2-ht em{font-style:italic;color:#b8964e;}\n.carB2-tabs{display:flex;border-bottom:1px solid #c8c3b8;background:#f7f4ee;}\n.carB2-tab{flex:1;padding:12px 10px;font-size:9px;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;color:#8a8680;cursor:pointer;border-bottom:2px solid transparent;transition:all 0.15s;text-align:center;background:none;border-top:none;border-left:none;border-right:none;font-family:\"Inter\",sans-serif;}\n.carB2-tab.active{color:#b8964e;border-bottom-color:#b8964e;}\n.carB2-slides{overflow:hidden;}\n.carB2-s{display:none;}\n.carB2-s.active{display:block;}\n.carB2-tip{background:#1a1a1a;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:3px solid #4A5568;}\n.carB2-tip p{font-family:\"Playfair Display\",Georgia,serif;font-size:13px;font-style:italic;color:#f0ede6;}\n.carB2-tip p strong{font-style:normal;color:#9B7B3F;}\n.carB2-tip-btn{font-size:9px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:#1a1a1a;background:#9B7B3F;padding:9px 16px;text-decoration:none;flex-shrink:0;}\n.carB2-ctrl{display:flex;align-items:center;justify-content:space-between;padding:10px 32px;border-top:1px solid #c8c3b8;background:#f7f4ee;}\n.carB2-dots{display:flex;gap:5px;}\n.carB2-dot{width:7px;height:7px;border-radius:50%;background:#c8c3b8;cursor:pointer;transition:all 0.2s;}\n.carB2-dot.active{width:20px;border-radius:4px;background:#b8964e;}\n.carB2-arrows{display:flex;gap:6px;}\n.carB2-arr{width:30px;height:30px;border:1px solid #c8c3b8;background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;font-size:11px;color:#3d3a35;transition:all 0.15s;}\n.carB2-arr:hover{background:#b8964e;color:#fff;border-color:#b8964e;}\n.carB2-arr:disabled{opacity:0.3;cursor:not-allowed;}\n.tbl3{width:100%;border-collapse:collapse;font-size:11px;}\n.tbl3 th{padding:8px 10px;font-size:9px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;text-align:center;}\n.tbl3 td{padding:9px 10px;border-bottom:1px solid #c8c3b8;color:#3d3a35;font-weight:300;text-align:center;}\n.tbl3 td:first-child{text-align:left;font-weight:500;color:#1a1a1a;}\n.tbl3 tr:nth-child(even) td{background:#f7f4ee;}\n.tbl3 tr:last-child td{border-bottom:none;}\n<\/style>\n<div class=\"carB2\" id=\"carB2_wrap\">\n<div class=\"carB2-head\"><div class=\"carB2-ht\">Identifier son \u00e2ge de d\u00e9part \u00b7 <em>\u00c2ges d\u00e9rogatoires<\/em><\/div><span style=\"font-size:10px;color:#3a3835;\">Fiche <strong class=\"carB2-n\" style=\"color:#b8964e;\">1<\/strong> \/ 2<\/span><\/div>\n<div class=\"carB2-tabs\">\n  <button class=\"carB2-tab active\" onclick=\"carB2Go(this,0)\">Carri\u00e8re longue<\/button>\n  <button class=\"carB2-tab\" onclick=\"carB2Go(this,1)\">Situations de fragilit\u00e9<\/button>\n<\/div>\n<div class=\"carB2-slides\">\n<div class=\"carB2-s active\">\n  <div style=\"background:#b8964e;padding:12px 32px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:3px;\">D\u00e9part anticip\u00e9 \u00b7 Dispositif d\u00e9rogatoire<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:17px;font-weight:400;color:#fff;\">Je suis en <em style=\"color:#f0e0b0;\">carri\u00e8re longue.<\/em><\/div><\/div>\n  <div style=\"background:#f7f4ee;border-bottom:1px solid #c8c3b8;padding:9px 32px;\"><p style=\"font-size:12px;font-weight:300;color:#3d3a35;line-height:1.6;\">J'ai travaill\u00e9 <strong style=\"color:#b8964e;\">5 trimestres<\/strong> (ou <strong style=\"color:#b8964e;\">4<\/strong> si n\u00e9\u00b7e entre le 01\/10 et le 31\/12) avant la fin de l'ann\u00e9e de mes :<\/p><\/div>\n  <div style=\"padding:12px 32px 0;\">\n    <table class=\"tbl3\">\n      <thead><tr><th style=\"background:#b8964e;color:#fff;width:28%;\">\u00c2ge de d\u00e9but de carri\u00e8re<\/th><th style=\"background:#b8964e;color:#fff;width:30%;\">Je peux partir d\u00e8s<\/th><th style=\"background:#b8964e;color:#fff;\">Si je totalise<\/th><\/tr><\/thead>\n      <tbody>\n        <tr><td style=\"text-align:center;font-size:16px;font-weight:600;color:#b8964e;font-family:'Playfair Display',Georgia,serif;\">16 ans<\/td><td style=\"text-align:center;font-size:14px;font-weight:700;color:#1a1a1a;font-family:'Playfair Display',Georgia,serif;\">58 ans<\/td><td rowspan=\"3\" style=\"text-align:center;background:#f5ead0;vertical-align:middle;font-size:11px;font-weight:300;color:#3d3a35;line-height:1.65;\">Entre <strong style=\"color:#b8964e;\">169 et 172 trimestres<\/strong><br>selon l'ann\u00e9e de naissance<br><span style=\"font-size:10px;color:#8a8680;font-style:italic;\">* trimestres cotis\u00e9s uniquement<\/span><\/td><\/tr>\n        <tr><td style=\"text-align:center;font-size:16px;font-weight:600;color:#b8964e;font-family:'Playfair Display',Georgia,serif;\">18 ans<\/td><td style=\"text-align:center;font-size:14px;font-weight:700;color:#1a1a1a;font-family:'Playfair Display',Georgia,serif;\">60 ans<\/td><\/tr>\n        <tr><td style=\"text-align:center;font-size:16px;font-weight:600;color:#b8964e;font-family:'Playfair Display',Georgia,serif;\">20 ans<\/td><td style=\"text-align:center;font-size:13px;font-weight:700;color:#1a1a1a;font-family:'Playfair Display',Georgia,serif;\">Entre 60 et 62 ans<\/td><\/tr>\n        <tr><td style=\"text-align:center;font-size:16px;font-weight:600;color:#b8964e;font-family:'Playfair Display',Georgia,serif;\">21 ans<\/td><td style=\"text-align:center;font-size:14px;font-weight:700;color:#1a1a1a;font-family:'Playfair Display',Georgia,serif;\">63 ans<\/td><td style=\"text-align:center;background:#f5ead0;font-weight:600;color:#b8964e;font-size:13px;\">172 trimestres<\/td><\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n  <div style=\"background:#1a1a1a;border-left:3px solid #b8964e;padding:10px 32px;margin-top:12px;\"><p style=\"font-size:11px;font-weight:300;color:#9a9088;font-style:italic;line-height:1.6;\"><strong style=\"color:#f0ede6;font-weight:500;\">Attention :<\/strong> seuls les trimestres <strong style=\"color:#b8964e;\">cotis\u00e9s<\/strong> sont retenus \u2014 pas tous les trimestres valid\u00e9s.<\/p><\/div>\n<\/div>\n<div class=\"carB2-s\">\n  <div style=\"background:#4A5568;padding:12px 32px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:3px;\">D\u00e9part anticip\u00e9 \u00b7 Dispositifs d\u00e9rogatoires<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:17px;font-weight:400;color:#fff;\">Je suis en <em style=\"color:#c8d4e0;\">situation de fragilit\u00e9.<\/em><\/div><\/div>\n  <div style=\"padding:12px 32px 0;\">\n    <table class=\"tbl3\">\n      <thead><tr><th style=\"background:#4A5568;color:#fff;text-align:left;width:30%;\">Si je suis<\/th><th style=\"background:#4A5568;color:#fff;text-align:center;width:28%;\">Je peux partir d\u00e8s<\/th><th style=\"background:#4A5568;color:#fff;text-align:center;\">Conditions taux plein<\/th><\/tr><\/thead>\n      <tbody>\n        <tr><td style=\"font-weight:600;\">Invalide ou inapte<\/td><td style=\"text-align:center;font-size:15px;font-weight:700;color:#4A5568;font-family:'Playfair Display',Georgia,serif;\">62 ans<\/td><td style=\"font-size:11px;\">Quel que soit le nombre de trimestres valid\u00e9s<\/td><\/tr>\n        <tr><td style=\"font-weight:600;\">Victime d'un AT ou d'une MP<\/td><td style=\"text-align:center;font-size:11px;line-height:1.6;\"><strong style=\"color:#4A5568;font-size:14px;\">60 ans<\/strong> si TI &gt; 20 %<br><span style=\"color:#6b6860;\">2 ans avant l'\u00e2ge l\u00e9gal si TI entre 10 et 19 %<\/span><\/td><td style=\"font-size:11px;\">Quel que soit le nombre de trimestres valid\u00e9s<\/td><\/tr>\n        <tr><td style=\"font-weight:600;\">Travailleur\u00b7se en situation de handicap de longue dur\u00e9e<\/td><td style=\"text-align:center;font-size:15px;font-weight:700;color:#4A5568;font-family:'Playfair Display',Georgia,serif;\">55 ans<\/td><td style=\"font-size:11px;line-height:1.6;\">Dur\u00e9e d'assurance cotis\u00e9e en situation de handicap remplie<br><strong>Taux d'incapacit\u00e9 \u2265 50 %<\/strong><\/td><\/tr>\n        <tr><td style=\"font-weight:600;\">Travailleur\u00b7se expos\u00e9\u00b7e \u00e0 l'amiante<\/td><td style=\"text-align:center;font-size:11px;line-height:1.6;\"><strong style=\"color:#4A5568;font-size:14px;\">60 ans<\/strong> (avec ou sans d\u00e9cote)<br><span style=\"color:#6b6860;\">65 ans (taux plein)<\/span><\/td><td style=\"font-size:11px;\">Quel que soit le nombre de trimestres valid\u00e9s<\/td><\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n  <div style=\"background:#1a1a1a;border-left:3px solid #4A5568;padding:9px 32px;margin-top:12px;\"><p style=\"font-size:10px;font-weight:300;color:#9a9088;font-style:italic;\"><strong style=\"color:#f0ede6;\">AT :<\/strong> Accident du travail &nbsp;\u00b7&nbsp; <strong style=\"color:#f0ede6;\">MP :<\/strong> Maladie professionnelle &nbsp;\u00b7&nbsp; <strong style=\"color:#f0ede6;\">TI :<\/strong> Taux d'incapacit\u00e9<\/p><\/div>\n<\/div>\n<\/div>\n<div class=\"carB2-tip\"><p>Votre situation m\u00e9rite<br>une <strong>analyse personnalis\u00e9e.<\/strong><\/p><a href=\"https:\/\/www.gestion-retraite.fr\/contact\/\" target=\"_blank\" class=\"carB2-tip-btn\">Contactez NB Consulting \u2192<\/a><\/div>\n<div class=\"carB2-ctrl\"><div class=\"carB2-dots carB2-dotsEl\"><div class=\"carB2-dot active\"><\/div><div class=\"carB2-dot\"><\/div><\/div><div class=\"carB2-arrows\"><button class=\"carB2-arr carB2-prev\" onclick=\"carB2Prev()\" disabled=\"\">\u2190<\/button><button class=\"carB2-arr carB2-next\" onclick=\"carB2Next()\">\u2192<\/button><\/div><\/div>\n<\/div>\n<script>\nvar carB2C=0;\n(function(){var d=document.querySelector('.carB2-dotsEl');for(var i=0;i<2;i++){var dot=document.createElement('div');dot.className='carB2-dot'+(i===0?' active':'');dot.onclick=(function(n){return function(){carB2Go(null,n);};})(i);d.appendChild(dot);}})();\nfunction carB2Go(el,n){var w=document.getElementById('carB2_wrap');w.querySelectorAll('.carB2-s')[carB2C].classList.remove('active');w.querySelectorAll('.carB2-tab')[carB2C].classList.remove('active');w.querySelectorAll('.carB2-dot')[carB2C].classList.remove('active');carB2C=n;w.querySelectorAll('.carB2-s')[carB2C].classList.add('active');w.querySelectorAll('.carB2-tab')[carB2C].classList.add('active');w.querySelectorAll('.carB2-dot')[carB2C].classList.add('active');w.querySelector('.carB2-n').textContent=carB2C+1;w.querySelector('.carB2-prev').disabled=carB2C===0;w.querySelector('.carB2-next').disabled=carB2C===1;}\nfunction carB2Prev(){if(carB2C>0)carB2Go(null,carB2C-1);}\nfunction carB2Next(){if(carB2C<1)carB2Go(null,carB2C+1);}\n<\/script>\n<\/div>\n<\/div>\n  <div id=\"igModalCer\" style=\"display:none;\"><style>\n.cc{background:#f0ede6;font-family:\"Inter\",sans-serif;width:100%;border:1px solid #c8c3b8;}\n.cc-head{background:#1a1a1a;padding:18px 36px;display:flex;align-items:center;justify-content:space-between;}\n.cc-ht{font-family:\"Playfair Display\",Georgia,serif;font-size:16px;font-weight:400;color:#f0ede6;}\n.cc-ht em{font-style:italic;color:#9B7B3F;}\n.cc-cnt{font-size:10px;color:#3a3835;}\n.cc-cnt strong{color:#7B2D3F;}\n.cc-tabs{display:flex;border-bottom:1px solid #c8c3b8;background:#f7f4ee;}\n.cc-tab{flex:1;padding:13px 12px;font-size:9px;font-weight:600;letter-spacing:0.09em;text-transform:uppercase;color:#8a8680;cursor:pointer;border-bottom:2px solid transparent;transition:all 0.15s;text-align:center;background:none;border-top:none;border-left:none;border-right:none;font-family:\"Inter\",sans-serif;}\n.cc-tab.active{color:#7B2D3F;border-bottom-color:#7B2D3F;}\n.cc-slides{overflow:hidden;}\n.cc-s{display:none;}\n.cc-s.active{display:block;}\n.cc-tip{background:#1a1a1a;padding:18px 36px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:3px solid #7B2D3F;}\n.cc-tip p{font-family:\"Playfair Display\",Georgia,serif;font-size:14px;font-style:italic;color:#f0ede6;line-height:1.4;}\n.cc-tip p strong{font-style:normal;color:#9B7B3F;}\n.cc-tip-btn{font-size:9px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:#1a1a1a;background:#9B7B3F;padding:10px 18px;text-decoration:none;flex-shrink:0;}\n.cc-ctrl{display:flex;align-items:center;justify-content:space-between;padding:12px 36px;border-top:1px solid #c8c3b8;background:#f7f4ee;}\n.cc-dots{display:flex;gap:6px;}\n.cc-dot{width:7px;height:7px;border-radius:50%;background:#c8c3b8;cursor:pointer;transition:all 0.2s;}\n.cc-dot.active{width:20px;border-radius:4px;background:#7B2D3F;}\n.cc-arrows{display:flex;gap:8px;}\n.cc-arr{width:32px;height:32px;border:1px solid #c8c3b8;background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;font-size:12px;color:#3d3a35;transition:all 0.15s;}\n.cc-arr:hover{background:#7B2D3F;color:#fff;border-color:#7B2D3F;}\n.cc-arr:disabled{opacity:0.3;cursor:not-allowed;}\n<\/style><div class=\"cc\" id=\"cerModal_wrap\">\n<div class=\"cc-head\"><div class=\"cc-ht\">Strat\u00e9gie \u00b7 <em>Cumul emploi-retraite<\/em><\/div><span class=\"cc-cnt\">Fiche <strong class=\"cc-n\">1<\/strong> \/ 3<\/span><\/div>\n<div class=\"cc-tabs\">\n  <button class=\"cc-tab active\" onclick=\"cerModalGo(this,0)\">Jusqu'au 31\/12\/2026<\/button>\n  <button class=\"cc-tab\" onclick=\"cerModalGo(this,1)\">\u00c0 partir du 01\/01\/2027<\/button>\n  <button class=\"cc-tab\" onclick=\"cerModalGo(this,2)\">Simulations chiffr\u00e9es<\/button>\n<\/div>\n<div class=\"cc-slides\">\n<div class=\"cc-s active\">\n  <div style=\"background:#7B2D3F;padding:14px 36px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:4px;\">R\u00e8gles en vigueur jusqu'au 31\/12\/2026<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:18px;font-weight:400;color:#fff;\">CER int\u00e9gral vs CER plafonn\u00e9 \u2014 <em style=\"color:#f0a070;\">deux r\u00e9gimes, deux r\u00e9alit\u00e9s.<\/em><\/div><\/div>\n  <div style=\"background:#f7f4ee;border-left:3px solid #7B2D3F;padding:9px 36px;font-size:12px;font-weight:300;color:#3d3a35;line-height:1.6;\"><strong style=\"color:#7B2D3F;\">Le cumul emploi-retraite<\/strong> permet de percevoir simultan\u00e9ment pension et revenus d'activit\u00e9.<\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:18px 24px;border-right:1px solid #c8c3b8;background:#f7f4ee;display:flex;flex-direction:column;\"><div style=\"font-size:10px;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:#2D6A4F;border-bottom:2px solid #2D6A4F;padding-bottom:6px;margin-bottom:10px;\">CER Int\u00e9gral<\/div><ul style=\"list-style:none;flex:1;\"><li style=\"font-size:12px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:6px;top:8px;\">\u25c6<\/span>Avoir liquid\u00e9 <strong>toutes<\/strong> vos pensions<\/li><li style=\"font-size:12px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:6px;top:8px;\">\u25c6<\/span>Avoir atteint l'\u00e2ge l\u00e9gal<\/li><li style=\"font-size:12px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:6px;top:8px;\">\u25c6<\/span>Remplir les conditions du taux plein<\/li><\/ul><div style=\"background:#e8f2ed;color:#2D6A4F;border:1px solid #2D6A4F;padding:7px 12px;font-size:9px;font-weight:600;text-transform:uppercase;text-align:center;margin-top:12px;\">\u2713 Possibilit\u00e9 de cr\u00e9er de nouveaux droits<\/div><\/div>\n    <div style=\"padding:18px 24px;background:#f0ede6;display:flex;flex-direction:column;\"><div style=\"font-size:10px;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:#7B2D3F;border-bottom:2px solid #7B2D3F;padding-bottom:6px;margin-bottom:10px;\">CER Plafonn\u00e9<\/div><ul style=\"list-style:none;flex:1;\"><li style=\"font-size:12px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:6px;top:8px;\">\u25c6<\/span>Respecter un plafond selon le r\u00e9gime<br><em style=\"color:#7B2D3F;font-size:11px;\">\u00c0 d\u00e9faut : \u00e9cr\u00eatement de la pension<\/em><\/li><li style=\"font-size:12px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:6px;top:8px;\">\u25c6<\/span>D\u00e9lai de 6 mois chez le dernier employeur<br><em style=\"color:#7B2D3F;font-size:11px;\">\u00c0 d\u00e9faut : suspension de la pension<\/em><\/li><\/ul><div style=\"background:#fdf0ea;color:#7B2D3F;border:1px solid #7B2D3F;padding:7px 12px;font-size:9px;font-weight:600;text-transform:uppercase;text-align:center;margin-top:12px;\">\u2717 Impossibilit\u00e9 de cr\u00e9er de nouveaux droits<\/div><\/div>\n  <\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;\"><div style=\"padding:14px 24px;background:#f7f4ee;border-right:1px solid #c8c3b8;\"><div style=\"font-size:9px;font-weight:700;color:#2D6A4F;text-transform:uppercase;letter-spacing:0.12em;margin-bottom:8px;\">+ CER Int\u00e9gral \u2014 avantages<\/div><ul style=\"list-style:none;\"><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:6px;\">\u25c6<\/span>Reprise sans d\u00e9lai de carence<\/li><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:6px;\">\u25c6<\/span>Pas de plafond de revenus<\/li><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:6px;\">\u25c6<\/span>Nouveaux droits \u00e0 retraite possibles<\/li><\/ul><\/div><div style=\"padding:14px 24px;background:#f0ede6;\"><div style=\"font-size:9px;font-weight:700;color:#7B2D3F;text-transform:uppercase;letter-spacing:0.12em;margin-bottom:8px;\">\u2212 CER Plafonn\u00e9 \u2014 contraintes<\/div><ul style=\"list-style:none;\"><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:6px;\">\u25c6<\/span>D\u00e9lai de carence de 6 mois<\/li><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:6px;\">\u25c6<\/span>Revenus plafonn\u00e9s \u2014 pension r\u00e9duite<\/li><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 12px;position:relative;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:6px;\">\u25c6<\/span>Cotisations \u00e0 fonds perdus<\/li><\/ul><\/div><\/div>\n<\/div>\n<div class=\"cc-s\">\n  <div style=\"background:#1a1a1a;padding:14px 36px;border-bottom:3px solid #7B2D3F;\"><span style=\"font-size:12px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:#fff;display:block;margin-bottom:3px;\">Nouvelles r\u00e8gles \u00e0 compter du <span style=\"color:#9B7B3F;\">01\/01\/2027<\/span><\/span><span style=\"font-size:9px;color:#4a4540;text-transform:uppercase;letter-spacing:0.1em;\">LFSS 2026 \u00b7 Loi n\u00b0 2025-1403 du 30 d\u00e9cembre 2025<\/span><\/div>\n  <div style=\"background:#7B2D3F;padding:10px 36px;\"><p style=\"font-size:12px;font-weight:300;color:rgba(255,255,255,0.9);line-height:1.65;\">\u00c0 compter du 01\/01\/2027, l'acc\u00e8s au CER int\u00e9gral ne d\u00e9pend plus des <strong style=\"color:#fff;\">CONDITIONS<\/strong> du taux plein, mais <strong style=\"color:#fff;\">UNIQUEMENT de votre \u00e2ge.<\/strong><\/p><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;padding:18px 36px;gap:14px;\">\n    <div style=\"border:1px solid #c8c3b8;overflow:hidden;display:flex;flex-direction:column;\"><div style=\"background:#2D6A4F;padding:9px 14px;font-size:9px;font-weight:700;text-transform:uppercase;color:#fff;\">CER Int\u00e9gral \u2014 nouvelles conditions<\/div><div style=\"padding:12px 14px;background:#f7f4ee;flex:1;display:flex;flex-direction:column;\"><ul style=\"list-style:none;flex:1;\"><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span>Avoir liquid\u00e9 toutes vos pensions<\/li><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><strong>Avoir 67 ans<\/strong> \u2014 seul crit\u00e8re<\/li><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:4px 0 4px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:8px;\">\u25c6<\/span><em>Plus de condition de dur\u00e9e d'assurance<\/em><\/li><\/ul><div style=\"background:#e8f2ed;color:#2D6A4F;border:1px solid #2D6A4F;padding:7px 12px;font-size:9px;font-weight:600;text-transform:uppercase;text-align:center;margin-top:10px;\">\u2713 Nouveaux droits possibles<\/div><\/div><\/div>\n    <div style=\"border:1px solid #c8c3b8;overflow:hidden;display:flex;flex-direction:column;\"><div style=\"background:#7B2D3F;padding:9px 14px;font-size:9px;font-weight:700;text-transform:uppercase;color:#fff;\">CER Plafonn\u00e9 \u2014 contraintes<\/div><div style=\"padding:12px 14px;background:#f0ede6;flex:1;display:flex;flex-direction:column;\"><span style=\"font-size:9px;font-weight:700;color:#7B2D3F;text-transform:uppercase;margin-bottom:5px;display:block;\">Avant l'\u00e2ge l\u00e9gal<\/span><ul style=\"list-style:none;margin-bottom:10px;\"><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#7B2D3F;font-size:5px;top:7px;\">\u25c6<\/span>R\u00e9duction de la pension de la totalit\u00e9 du revenu<\/li><\/ul><span style=\"font-size:9px;font-weight:700;color:#9B7B3F;text-transform:uppercase;margin-bottom:5px;display:block;\">Entre \u00e2ge l\u00e9gal et 67 ans<\/span><ul style=\"list-style:none;flex:1;\"><li style=\"font-size:11px;font-weight:300;color:#3d3a35;padding:3px 0 3px 13px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#9B7B3F;font-size:5px;top:7px;\">\u25c6<\/span>\u00c9cr\u00eatement \u00e0 50% des revenus sup\u00e9rieurs \u00e0 ~7 000\u20ac\/an<\/li><\/ul><div style=\"background:#fdf0ea;color:#7B2D3F;border:1px solid #7B2D3F;padding:7px 12px;font-size:9px;font-weight:600;text-transform:uppercase;text-align:center;margin-top:10px;\">\u2717 Aucun nouveau droit<\/div><\/div><\/div>\n  <\/div>\n  <div style=\"padding:0 36px 14px;font-size:10px;color:#8a8680;font-style:italic;\">Loi n\u00b0 2025-1403 \u00b7 legifrance.gouv.fr \u00b7 info-retraite.fr<\/div>\n<\/div>\n<div class=\"cc-s\">\n  <div style=\"background:#7B2D3F;padding:14px 36px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.45);display:block;margin-bottom:4px;\">Simulations \u00b7 Source : NB Consulting pour Les \u00c9chos<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:18px;font-weight:400;color:#fff;\">La date de liquidation <em style=\"color:#f0a070;\">change tout<\/em> \u2014 chiffres \u00e0 l'appui.<\/div><\/div>\n  <div style=\"background:#f7f4ee;border-bottom:1px solid #c8c3b8;padding:9px 36px;display:flex;gap:20px;align-items:center;flex-wrap:wrap;\"><span style=\"font-size:10px;font-weight:600;color:#7B2D3F;text-transform:uppercase;\">Exemple \u00b7<\/span><span style=\"font-size:11px;color:#6b6860;\">Dernier revenu : <strong style=\"color:#1a1a1a;\">100 000\u20ac\/an<\/strong><\/span><span style=\"font-size:11px;color:#6b6860;\">Pension : <strong style=\"color:#1a1a1a;\">48 000\u20ac\/an<\/strong><\/span><span style=\"font-size:11px;color:#6b6860;\">Nouveau revenu : <strong style=\"color:#1a1a1a;\">70 000\u20ac\/an<\/strong><\/span><\/div>\n  <div style=\"padding:14px 36px 0;\"><table style=\"width:100%;border-collapse:collapse;font-size:11px;\"><thead><tr><th style=\"background:#f0ede6;text-align:left;padding:8px 10px;font-size:9px;font-weight:700;text-transform:uppercase;width:30%;\"><\/th><th colspan=\"2\" style=\"background:#2D6A4F;color:#fff;padding:8px 10px;font-size:9px;font-weight:700;text-align:center;\">Sim A \u00b7 Avant \u00e2ge l\u00e9gal<\/th><th colspan=\"2\" style=\"background:#7B2D3F;color:#fff;padding:8px 10px;font-size:9px;font-weight:700;text-align:center;\">Sim B \u00b7 Entre l\u00e9gal et 67 ans (TP rempli)<\/th><\/tr><tr><th style=\"background:#f7f4ee;padding:6px 10px;\"><\/th><th style=\"background:#c8e6d4;color:#1a5c38;padding:6px 10px;font-size:8px;font-weight:700;text-align:center;border:1px solid #a8d4b8;\">\u2713 Jusqu'au 31\/12\/2026<\/th><th style=\"background:#f4c5c5;color:#7B2D3F;padding:6px 10px;font-size:8px;font-weight:700;text-align:center;border:1px solid #e8a0a0;\">\u2717 \u00c0 partir du 01\/01\/2027<\/th><th style=\"background:#c8e6d4;color:#1a5c38;padding:6px 10px;font-size:8px;font-weight:700;text-align:center;border:1px solid #a8d4b8;\">\u2713 Jusqu'au 31\/12\/2026<\/th><th style=\"background:#f4c5c5;color:#7B2D3F;padding:6px 10px;font-size:8px;font-weight:700;text-align:center;border:1px solid #e8a0a0;\">\u2717 \u00c0 partir du 01\/01\/2027<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:7px 10px;border-bottom:1px solid #c8c3b8;color:#3d3a35;\">Retenue sur pension<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #c8c3b8;text-align:center;background:#f2faf5;color:#2D6A4F;font-weight:700;\">18 000\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #c8c3b8;text-align:center;background:#fdf5f5;color:#7B2D3F;font-weight:700;\">48 000\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #c8c3b8;text-align:center;background:#f2faf5;color:#2D6A4F;font-weight:700;\">0\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #c8c3b8;text-align:center;background:#fdf5f5;color:#7B2D3F;font-weight:700;\">31 500\u20ac<\/td><\/tr><tr><td style=\"padding:7px 10px;border-bottom:1px solid #c8c3b8;font-weight:600;color:#3d3a35;\">Revenus totaux max<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #c8c3b8;text-align:center;background:#f2faf5;font-weight:600;\">100 000\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #c8c3b8;text-align:center;background:#fdf5f5;font-weight:600;\">70 000\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #c8c3b8;text-align:center;background:#f2faf5;font-weight:600;\">118 000\u20ac<\/td><td style=\"padding:7px 10px;border-bottom:1px solid #c8c3b8;text-align:center;background:#fdf5f5;font-weight:600;\">86 500\u20ac<\/td><\/tr><tr><td style=\"padding:7px 10px;font-weight:700;color:#7B2D3F;\">Manque \u00e0 gagner LFSS 2026<\/td><td style=\"padding:7px 10px;text-align:center;background:#f2faf5;color:#8a8680;font-style:italic;\">\u2014<\/td><td style=\"padding:7px 10px;text-align:center;background:#fdf5f5;color:#7B2D3F;font-weight:800;\">\u2212 30 000\u20ac<\/td><td style=\"padding:7px 10px;text-align:center;background:#f2faf5;color:#8a8680;font-style:italic;\">\u2014<\/td><td style=\"padding:7px 10px;text-align:center;background:#fdf5f5;color:#7B2D3F;font-weight:800;\">\u2212 31 500\u20ac<\/td><\/tr><\/tbody><\/table><\/div>\n  <div style=\"background:#111;padding:7px 36px;font-size:10px;color:#3a3835;font-style:italic;margin-top:12px;\">Source : NB Consulting pour Les \u00c9chos \u00b7 Loi n\u00b0 2025-1403 \u00b7 D\u00e9crets \u00e0 para\u00eetre<\/div>\n<\/div>\n<\/div>\n<div class=\"cc-tip\"><p>Votre date de liquidation m\u00e9rite<br>une <strong>vraie strat\u00e9gie.<\/strong><\/p><a href=\"https:\/\/www.gestion-retraite.fr\/contact\/\" target=\"_blank\" class=\"cc-tip-btn\">Contactez NB Consulting \u2192<\/a><\/div>\n<div class=\"cc-ctrl\"><div class=\"cc-dots cerModalDots\"><div class=\"cc-dot active\"><\/div><div class=\"cc-dot\"><\/div><div class=\"cc-dot\"><\/div><\/div><div class=\"cc-arrows\"><button class=\"cc-arr cerModalPrev\" onclick=\"cerModalGo2()\" disabled=\"\">\u2190<\/button><button class=\"cc-arr cerModalNext\" onclick=\"cerModalGo3()\">\u2192<\/button><\/div><\/div>\n<\/div><script>\nvar cerModalC = 0;\nfunction cerModalGo(el, n) {\n  var wrap = document.getElementById('cerModal_wrap');\n  wrap.querySelectorAll('.cc-s')[cerModalC].classList.remove('active');\n  wrap.querySelectorAll('.cc-tab')[cerModalC].classList.remove('active');\n  wrap.querySelectorAll('.cc-dot')[cerModalC].classList.remove('active');\n  cerModalC = n;\n  wrap.querySelectorAll('.cc-s')[cerModalC].classList.add('active');\n  wrap.querySelectorAll('.cc-tab')[cerModalC].classList.add('active');\n  wrap.querySelectorAll('.cc-dot')[cerModalC].classList.add('active');\n  wrap.querySelector('.cc-cnt strong').textContent = cerModalC + 1;\n  wrap.querySelector('.cerModalPrev').disabled = cerModalC === 0;\n  wrap.querySelector('.cerModalNext').disabled = cerModalC === 2;\n}\nfunction cerModalGo2() { if(cerModalC>0) cerModalGo(null, cerModalC-1); }\nfunction cerModalGo3() { if(cerModalC<2) cerModalGo(null, cerModalC+1); }\n(function() {\n  function initCerModal() {\n    var wrap = document.getElementById('cerModal_wrap');\n    if (!wrap) { setTimeout(initCerModal, 50); return; }\n    var dotsEl = wrap.querySelector('.cerModalDots');\n    if (dotsEl.children.length > 0) return;\n    for (var i = 0; i < 3; i++) {\n      var d = document.createElement('div');\n      d.className = 'cc-dot' + (i === 0 ? ' active' : '');\n      d.onclick = (function(n){ return function(){ cerModalGo(null, n); }; })(i);\n      dotsEl.appendChild(d);\n    }\n  }\n  initCerModal();\n})();\n<\/script><\/div>\n    <div id=\"igModalRp\" style=\"display:none;\"><style>\n.rp{background:#f0ede6;font-family:\"Inter\",sans-serif;width:100%;}\n.rp-head{background:#1a1a1a;padding:18px 36px;display:flex;align-items:center;justify-content:space-between;}\n.rp-ht{font-family:\"Playfair Display\",Georgia,serif;font-size:16px;font-weight:400;color:#f0ede6;}\n.rp-ht em{font-style:italic;color:#9B7B3F;}\n.rp-cnt{font-size:10px;color:#3a3835;}\n.rp-cnt strong{color:#C4622D;}\n.rp-tabs{display:flex;border-bottom:1px solid #c8c3b8;background:#f7f4ee;}\n.rp-tab{flex:1;padding:13px 12px;font-size:9px;font-weight:600;letter-spacing:0.09em;text-transform:uppercase;color:#8a8680;cursor:pointer;border-bottom:2px solid transparent;transition:all 0.15s;text-align:center;background:none;border-top:none;border-left:none;border-right:none;font-family:\"Inter\",sans-serif;}\n.rp-tab.active{color:#C4622D;border-bottom-color:#C4622D;}\n.rp-slides{overflow:hidden;}\n.rp-s{display:none;}\n.rp-s.active{display:block;}\n.rp-tip{background:#1a1a1a;padding:18px 36px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:3px solid #C4622D;}\n.rp-tip p{font-family:\"Playfair Display\",Georgia,serif;font-size:14px;font-style:italic;color:#f0ede6;line-height:1.4;}\n.rp-tip p strong{font-style:normal;color:#9B7B3F;}\n.rp-tip-btn{font-size:9px;font-weight:600;letter-spacing:0.12em;text-transform:uppercase;color:#1a1a1a;background:#9B7B3F;padding:10px 18px;text-decoration:none;flex-shrink:0;}\n.rp-ctrl{display:flex;align-items:center;justify-content:space-between;padding:12px 36px;border-top:1px solid #c8c3b8;background:#f7f4ee;}\n.rp-dots{display:flex;gap:6px;}\n.rp-dot{width:7px;height:7px;border-radius:50%;background:#c8c3b8;cursor:pointer;transition:all 0.2s;}\n.rp-dot.active{width:20px;border-radius:4px;background:#C4622D;}\n.rp-arrows{display:flex;gap:8px;}\n.rp-arr{width:32px;height:32px;border:1px solid #c8c3b8;background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;font-size:12px;color:#3d3a35;transition:all 0.15s;}\n.rp-arr:hover{background:#C4622D;color:#fff;border-color:#C4622D;}\n.rp-arr:disabled{opacity:0.3;cursor:not-allowed;}\n<\/style>\n<div class=\"rp\" id=\"rpModal_wrap\">\n<div class=\"rp-head\"><div class=\"rp-ht\">Strat\u00e9gie \u00b7 <em>Retraite progressive<\/em><\/div><span class=\"rp-cnt\">Fiche <strong class=\"rp-n\">1<\/strong> \/ 3<\/span><\/div>\n<div class=\"rp-tabs\">\n  <button class=\"rp-tab active\" onclick=\"rpModalGo(this,0)\">D\u00e9finition &amp; conditions<\/button>\n  <button class=\"rp-tab\" onclick=\"rpModalGo(this,1)\">Avantages salari\u00e9\u00b7es &amp; entreprises<\/button>\n  <button class=\"rp-tab\" onclick=\"rpModalGo(this,2)\">Simulation chiffr\u00e9e<\/button>\n<\/div>\n<div class=\"rp-slides\">\n<div class=\"rp-s active\">\n  <div style=\"background:#C4622D;padding:14px 36px;\"><span style=\"font-size:9px;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);display:block;margin-bottom:4px;\">Notions de base \u00b7 Depuis le 01\/09\/2025<\/span><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:18px;font-weight:400;color:#fff;\">Lever le pied sans renoncer \u00e0 <em style=\"color:#f9d4b8;\">votre pension.<\/em><\/div><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1.6fr;border-bottom:1px solid #c8c3b8;\">\n    <div style=\"padding:20px 24px;border-right:1px solid #c8c3b8;background:#f7f4ee;display:flex;flex-direction:column;gap:12px;\"><div style=\"font-size:10px;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:#C4622D;border-bottom:2px solid #C4622D;padding-bottom:6px;\">D\u00e9finition<\/div><p style=\"font-size:12.5px;font-weight:300;color:#3d3a35;line-height:1.7;\">Percevoir <strong>une partie de sa pension<\/strong> tout en travaillant \u00e0 temps partiel.<\/p><div style=\"background:#fdf0ea;border-left:3px solid #C4622D;padding:10px 14px;\"><p style=\"font-size:11.5px;font-weight:300;color:#3d3a35;line-height:1.6;\">Plus je r\u00e9duis mon activit\u00e9 \u2192 <strong style=\"color:#C4622D;\">plus la fraction per\u00e7ue est \u00e9lev\u00e9e.<\/strong><\/p><\/div><\/div>\n    <div style=\"padding:20px 24px;background:#f0ede6;\"><div style=\"font-size:10px;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:#C4622D;border-bottom:2px solid #C4622D;padding-bottom:6px;margin-bottom:14px;\">Conditions d'\u00e9ligibilit\u00e9<\/div><div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:10px;\"><div style=\"background:#f7f4ee;border:1px solid #c8c3b8;border-top:3px solid #C4622D;padding:14px 12px;text-align:center;\"><div style=\"font-size:22px;font-weight:600;color:#C4622D;font-family:'Playfair Display',Georgia,serif;margin-bottom:6px;\">150<\/div><div style=\"font-size:9px;font-weight:600;text-transform:uppercase;color:#6b6860;margin-bottom:4px;\">trimestres<\/div><div style=\"font-size:11px;font-weight:300;color:#3d3a35;\">Dur\u00e9e minimale<\/div><\/div><div style=\"background:#f7f4ee;border:1px solid #c8c3b8;border-top:3px solid #C4622D;padding:14px 12px;text-align:center;\"><div style=\"font-size:22px;font-weight:600;color:#C4622D;font-family:'Playfair Display',Georgia,serif;margin-bottom:6px;\">60 ans<\/div><div style=\"font-size:9px;font-weight:600;text-transform:uppercase;color:#6b6860;margin-bottom:4px;\">depuis 09\/2025<\/div><div style=\"font-size:11px;font-weight:300;color:#3d3a35;\">\u00c2ge minimum<\/div><\/div><div style=\"background:#f7f4ee;border:1px solid #c8c3b8;border-top:3px solid #C4622D;padding:14px 12px;text-align:center;\"><div style=\"font-size:16px;font-weight:600;color:#C4622D;font-family:'Playfair Display',Georgia,serif;margin-bottom:6px;\">&gt;20%<br>&lt;60%<\/div><div style=\"font-size:9px;font-weight:600;text-transform:uppercase;color:#6b6860;margin-bottom:4px;\">r\u00e9duction<\/div><div style=\"font-size:11px;font-weight:300;color:#3d3a35;\">Du temps de travail<\/div><\/div><\/div><\/div>\n  <\/div>\n<\/div>\n<div class=\"rp-s\">\n  <div style=\"background:#1a1a1a;padding:14px 36px;border-bottom:3px solid #C4622D;\"><span style=\"font-size:12px;font-weight:700;color:#fff;display:block;margin-bottom:3px;\">Un dispositif gagnant-gagnant<\/span><\/div>\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;\">\n    <div style=\"padding:20px 28px;border-right:1px solid #c8c3b8;background:#f7f4ee;\"><div style=\"font-size:9px;font-weight:700;color:#C4622D;text-transform:uppercase;margin-bottom:12px;\">\u25c6 Avantages salari\u00e9\u00b7es<\/div><ul style=\"list-style:none;\"><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#C4622D;font-size:5px;top:9px;\">\u25c6<\/span>Transition douce emploi &amp; retraite<\/li><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#C4622D;font-size:5px;top:9px;\">\u25c6<\/span>Meilleure qualit\u00e9 de vie, perte contenue<\/li><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#C4622D;font-size:5px;top:9px;\">\u25c6<\/span>Maintien des avantages de l'entreprise<\/li><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#C4622D;font-size:5px;top:9px;\">\u25c6<\/span>Cr\u00e9ation de <strong>nouveaux droits<\/strong><\/li><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#C4622D;font-size:5px;top:9px;\">\u25c6<\/span>Accord employeur non requis si d\u00e9j\u00e0 TP<\/li><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#C4622D;font-size:5px;top:9px;\">\u25c6<\/span>L'employeur doit <strong>motiver son refus<\/strong><\/li><\/ul><\/div>\n    <div style=\"padding:20px 28px;background:#f0ede6;\"><div style=\"font-size:9px;font-weight:700;color:#2D6A4F;text-transform:uppercase;margin-bottom:12px;\">\u25c6 Avantages entreprises<\/div><ul style=\"list-style:none;\"><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:9px;\">\u25c6<\/span>Pr\u00e9paration des successions<\/li><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:9px;\">\u25c6<\/span>Maintien du savoir-faire<\/li><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:9px;\">\u25c6<\/span>Engagement et motivation renforc\u00e9s<\/li><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;border-bottom:1px solid rgba(200,195,184,0.3);line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:9px;\">\u25c6<\/span>Environnement interg\u00e9n\u00e9rationnel<\/li><li style=\"font-size:11.5px;font-weight:300;color:#3d3a35;padding:5px 0 5px 14px;position:relative;line-height:1.5;\"><span style=\"position:absolute;left:0;color:#2D6A4F;font-size:5px;top:9px;\">\u25c6<\/span>\u00c9conomie de masse salariale<\/li><\/ul><\/div>\n  <\/div>\n<\/div>\n<div class=\"rp-s\">\n  <div style=\"background:#C4622D;padding:14px 36px;\"><div style=\"font-family:'Playfair Display',Georgia,serif;font-size:18px;font-weight:400;color:#fff;\">Simulation Marie \u2014 <em style=\"color:#f9d4b8;\">r\u00e9duire de 40%, baisser de 17,3%.<\/em><\/div><\/div>\n  <div style=\"padding:14px 36px 0;\"><table style=\"width:100%;border-collapse:collapse;font-size:11.5px;\"><thead><tr><th style=\"background:#f0ede6;padding:9px 12px;text-align:left;font-size:9px;font-weight:700;text-transform:uppercase;width:30%;border:1px solid #c8c3b8;\"><\/th><th style=\"background:#1a1a1a;color:#f0ede6;padding:9px 12px;text-align:center;font-size:9px;font-weight:700;border:1px solid #1a1a1a;\">35h = 100%<\/th><th style=\"background:#C4622D;color:#fff;padding:9px 12px;text-align:center;font-size:9px;font-weight:700;border:1px solid #C4622D;\">21h = 60%<\/th><th style=\"background:#7B2D3F;color:#fff;padding:9px 12px;text-align:center;font-size:9px;font-weight:700;border:1px solid #7B2D3F;\">14h = 40%<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:9px 12px;border:1px solid #c8c3b8;font-weight:500;background:#f7f4ee;\">Salaire net avant imp\u00f4t<\/td><td style=\"padding:9px 12px;border:1px solid #c8c3b8;text-align:center;font-weight:600;\">2 622\u20ac \/ mois<\/td><td style=\"padding:9px 12px;border:1px solid #c8c3b8;text-align:center;background:#fdf0ea;\">1 568\u20ac \/ mois<\/td><td style=\"padding:9px 12px;border:1px solid #c8c3b8;text-align:center;background:#fdf0ea;\">1 041\u20ac \/ mois<\/td><\/tr><tr><td style=\"padding:9px 12px;border:1px solid #c8c3b8;font-weight:500;background:#f7f4ee;\">Retraite progressive nette<\/td><td style=\"padding:9px 12px;border:1px solid #c8c3b8;text-align:center;font-style:italic;color:#8a8680;\">\u2014<\/td><td style=\"padding:9px 12px;border:1px solid #c8c3b8;text-align:center;background:#fdf0ea;color:#C4622D;font-weight:600;\">751\u20ac \/ mois<\/td><td style=\"padding:9px 12px;border:1px solid #c8c3b8;text-align:center;background:#fdf0ea;color:#C4622D;font-weight:600;\">1 127\u20ac \/ mois<\/td><\/tr><tr><td style=\"padding:9px 12px;border:1px solid #c8c3b8;font-weight:700;background:#f7f4ee;\">Revenus totaux nets avant IR<\/td><td style=\"padding:9px 12px;border:1px solid #c8c3b8;text-align:center;background:#1a1a1a;color:#f0ede6;font-weight:700;font-size:13px;\">2 622\u20ac \/ mois<\/td><td style=\"padding:9px 12px;border:1px solid #c8c3b8;text-align:center;background:#C4622D;color:#fff;font-weight:700;font-size:13px;\">2 319\u20ac \/ mois<\/td><td style=\"padding:9px 12px;border:1px solid #c8c3b8;text-align:center;background:#7B2D3F;color:#fff;font-weight:700;font-size:13px;\">2 168\u20ac \/ mois<\/td><\/tr><\/tbody><\/table><\/div>\n  <div style=\"background:#111;padding:7px 36px;font-size:10px;color:#3a3835;font-style:italic;margin-top:12px;\">Source : NB Consulting \u00b7 gestion-retraite.fr<\/div>\n<\/div>\n<\/div>\n<div class=\"rp-tip\"><p>Votre fin de carri\u00e8re m\u00e9rite<br>une <strong>strat\u00e9gie sur mesure.<\/strong><\/p><a href=\"https:\/\/www.gestion-retraite.fr\/contact\/\" target=\"_blank\" class=\"rp-tip-btn\">Contactez NB Consulting \u2192<\/a><\/div>\n<div class=\"rp-ctrl\"><div class=\"rp-dots rpModalDots\"><div class=\"rp-dot active\"><\/div><div class=\"rp-dot\"><\/div><div class=\"rp-dot\"><\/div><\/div><div class=\"rp-arrows\"><button class=\"rp-arr rpModalPrev\" onclick=\"rpModalGo2()\" disabled=\"\">\u2190<\/button><button class=\"rp-arr rpModalNext\" onclick=\"rpModalGo3()\">\u2192<\/button><\/div><\/div>\n<\/div><script>\nvar rpModalC = 0;\nfunction rpModalGo(el, n) {\n  var wrap = document.getElementById('rpModal_wrap');\n  wrap.querySelectorAll('.rp-s')[rpModalC].classList.remove('active');\n  wrap.querySelectorAll('.rp-tab')[rpModalC].classList.remove('active');\n  wrap.querySelectorAll('.rp-dot')[rpModalC].classList.remove('active');\n  rpModalC = n;\n  wrap.querySelectorAll('.rp-s')[rpModalC].classList.add('active');\n  wrap.querySelectorAll('.rp-tab')[rpModalC].classList.add('active');\n  wrap.querySelectorAll('.rp-dot')[rpModalC].classList.add('active');\n  wrap.querySelector('.rp-cnt strong').textContent = rpModalC + 1;\n  wrap.querySelector('.rpModalPrev').disabled = rpModalC === 0;\n  wrap.querySelector('.rpModalNext').disabled = rpModalC === 2;\n}\nfunction rpModalGo2() { if(rpModalC>0) rpModalGo(null, rpModalC-1); }\nfunction rpModalGo3() { if(rpModalC<2) rpModalGo(null, rpModalC+1); }\n(function() {\n  function initRpModal() {\n    var wrap = document.getElementById('rpModal_wrap');\n    if (!wrap) { setTimeout(initRpModal, 50); return; }\n    var dotsEl = wrap.querySelector('.rpModalDots');\n    if (dotsEl.children.length > 0) return;\n    for (var i = 0; i < 3; i++) {\n      var d = document.createElement('div');\n      d.className = 'rp-dot' + (i === 0 ? ' active' : '');\n      d.onclick = (function(n){ return function(){ rpModalGo(null, n); }; })(i);\n      dotsEl.appendChild(d);\n    }\n  }\n  initRpModal();\n})();\n<\/script><\/div>\n  <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-350dc3d elementor-widget elementor-widget-html\" data-id=\"350dc3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script>\n\/\/ Filtres actifs (handled by filterNav)\ndocument.querySelectorAll('.filter-btn').forEach(function(btn) {\n  btn.addEventListener('click', function() {\n    document.querySelectorAll('.filter-btn').forEach(function(b) { b.classList.remove('active'); });\n    btn.classList.add('active');\n  });\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-962c58c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"962c58c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17ebe79 elementor-widget elementor-widget-html\" data-id=\"17ebe79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- \u2550\u2550 MODAL OVERLAY \u2550\u2550 -->\n<div id=\"igModal\" style=\"display:none;position:fixed;top:0;left:0;right:0;bottom:0;\n  background:rgba(0,0,0,0.82);z-index:99999;overflow-y:auto;\">\n  <div style=\"max-width:960px;margin:40px auto;padding:0 20px;position:relative;\">\n    <button id=\"igModalClose\" style=\"position:fixed;top:16px;right:16px;width:44px;height:44px;\n      background:#1a1a1a;border:2px solid #9B7B3F;color:#f0ede6;font-size:20px;\n      cursor:pointer;z-index:100001;line-height:1;\">\u2715<\/button>\n\n    <div id=\"igModalSecuriserDroits\"  style=\"display:none;\"><!-- colle ici le bloc sdm complet --><\/div>\n    <div id=\"igModalAgeDepart\"        style=\"display:none;\"><!-- colle ici les blocs carA2 + carB2 --><\/div>\n    <div id=\"igModalCer\"              style=\"display:none;\"><!-- colle ici le bloc cerModal --><\/div>\n    <div id=\"igModalRp\"               style=\"display:none;\"><!-- colle ici le bloc rpModal --><\/div>\n    <div id=\"igModalPreparerProjet\"   style=\"display:none;\"><!-- colle ici le bloc ppm --><\/div>\n    <div id=\"igModalExpatriation\"     style=\"display:none;\"><!-- colle ici le bloc exm --><\/div>\n  <\/div>\n<\/div>\n\n<script>\n\/* \u2500\u2500 Fermeture \u2500\u2500 *\/\ndocument.getElementById('igModalClose').onclick = function() {\n  document.getElementById('igModal').style.display = 'none';\n  document.body.style.overflow = '';\n};\ndocument.getElementById('igModal').onclick = function(e) {\n  if (e.target === this) {\n    this.style.display = 'none';\n    document.body.style.overflow = '';\n  }\n};\n\n\/* \u2500\u2500 Ouverture \u2500\u2500 *\/\nfunction openIgModal(type) {\n  var ids = ['SecuriserDroits','AgeDepart','Cer','Rp','PreparerProjet','Expatriation'];\n  ids.forEach(function(id) {\n    document.getElementById('igModal' + id).style.display = 'none';\n  });\n  var map = {\n    'securiserDroits' : 'SecuriserDroits',\n    'ageDepart'       : 'AgeDepart',\n    'cer'             : 'Cer',\n    'rp'              : 'Rp',\n    'preparerProjet'  : 'PreparerProjet',\n    'expatriation'    : 'Expatriation'\n  };\n  if (map[type]) {\n    document.getElementById('igModal' + map[type]).style.display = 'block';\n  }\n  document.getElementById('igModal').style.display = 'block';\n  document.body.style.overflow = 'hidden';\n  \/* reset scroll du modal *\/\n  document.getElementById('igModal').scrollTop = 0;\n}\n\n\/* \u2500\u2500 D\u00e9clencheurs via data-modal (voir \u00e9tape 2) \u2500\u2500 *\/\ndocument.addEventListener('DOMContentLoaded', function() {\n  attachModalTriggers();\n});\n\/* fallback si Elementor charge apr\u00e8s DOMContentLoaded *\/\nsetTimeout(attachModalTriggers, 800);\n\nfunction attachModalTriggers() {\n  document.querySelectorAll('[data-modal]').forEach(function(el) {\n    el.addEventListener('click', function(e) {\n      e.preventDefault();\n      openIgModal(el.getAttribute('data-modal'));\n    });\n  });\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e39075d elementor-widget elementor-widget-html\" data-id=\"e39075d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script>\n(function() {\n  \/* Associe chaque lien\/bouton par son texte visible ou son ID Elementor *\/\n  var triggers = [\n    { selector: '.elementor-element-XXXX1 a', modal: 'securiserDroits' },\n    { selector: '.elementor-element-XXXX2 a', modal: 'ageDepart' },\n    { selector: '.elementor-element-XXXX3 a', modal: 'cer' },\n    { selector: '.elementor-element-XXXX4 a', modal: 'rp' },\n    { selector: '.elementor-element-XXXX5 a', modal: 'preparerProjet' },\n    { selector: '.elementor-element-XXXX6 a', modal: 'expatriation' },\n  ];\n\n  function init() {\n    triggers.forEach(function(t) {\n      document.querySelectorAll(t.selector).forEach(function(el) {\n        el.addEventListener('click', function(e) {\n          e.preventDefault();\n          if (typeof openIgModal === 'function') openIgModal(t.modal);\n        });\n      });\n    });\n  }\n\n  \/* Les classes .elementor-element-XXXX se trouvent dans l'inspecteur\n     sur chaque widget \u2192 remplace XXXX par l'ID Elementor r\u00e9el *\/\n  document.addEventListener('DOMContentLoaded', init);\n  setTimeout(init, 800);\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>NB ConsultingConseil retraite depuis 2004 \u2014 Ressources visuelles Comprendre l&rsquo;essentiel de la retraite. Des infographies claires, pr\u00e9cises et t\u00e9l\u00e9chargeables \u2014 pour ma\u00eetriser vos droits, identifier votre strat\u00e9gie et anticiper les d\u00e9cisions qui comptent. prendre rendez-vous Actus Interventions m\u00e9dias Infographies Podcasts Actus Interventions m\u00e9dias Infographies Podcasts \u2014 DERNI\u00c8RE INFOGRAPHIE Cumuler emploi et retraite &#8211; ce qui change en 2027. Voir tous nos services La LFSS 2026 refond enti\u00e8rement les r\u00e8gles. La date de liquidation change tout. Strat\u00e9gie \u00b7 Cumul emploi-retraiteFiche 1 \/ 3 Jusqu&rsquo;au 31\/12\/2026 \u00c0 partir du 01\/01\/2027 Simulations chiffr\u00e9es R\u00e8gles en vigueur jusqu&rsquo;au 31\/12\/2026CER int\u00e9gral vs CER plafonn\u00e9 \u2014 deux r\u00e9gimes, deux r\u00e9alit\u00e9s. Le cumul emploi-retraite permet de percevoir simultan\u00e9ment pension et revenus d&rsquo;activit\u00e9. CER Int\u00e9gral \u25c6Avoir liquid\u00e9 toutes vos pensions \u25c6Avoir atteint l&rsquo;\u00e2ge l\u00e9gal \u25c6Remplir les conditions du taux plein \u2713 Possibilit\u00e9 de cr\u00e9er de nouveaux droits CER Plafonn\u00e9 \u25c6Respecter un plafond selon le r\u00e9gime\u00c0 d\u00e9faut : \u00e9cr\u00eatement de la pension \u25c6D\u00e9lai de 6 mois chez le dernier employeur\u00c0 d\u00e9faut : suspension de la pension \u2717 Impossibilit\u00e9 de cr\u00e9er de nouveaux droits + CER Int\u00e9gral \u2014 avantages \u25c6Reprise sans d\u00e9lai de carence \u25c6Pas de plafond de revenus \u25c6Nouveaux droits \u00e0 retraite possibles \u2212 CER Plafonn\u00e9 \u2014 contraintes \u25c6D\u00e9lai de carence de 6 mois \u25c6Revenus plafonn\u00e9s \u2014 pension r\u00e9duite \u25c6Cotisations \u00e0 fonds perdus Nouvelles r\u00e8gles \u00e0 compter du 01\/01\/2027LFSS 2026 \u00b7 Loi n\u00b0 2025-1403 du 30 d\u00e9cembre 2025 \u00c0 compter du 01\/01\/2027, l&rsquo;acc\u00e8s au CER int\u00e9gral ne d\u00e9pend plus des CONDITIONS du taux plein, mais UNIQUEMENT de votre \u00e2ge. CER Int\u00e9gral \u2014 nouvelles conditions \u25c6Avoir liquid\u00e9 toutes vos pensions \u25c6Avoir 67 ans \u2014 seul crit\u00e8re \u25c6Plus de condition de dur\u00e9e d&rsquo;assurance \u2713 Nouveaux droits possibles CER Plafonn\u00e9 \u2014 contraintesAvant l&rsquo;\u00e2ge l\u00e9gal \u25c6R\u00e9duction de la pension de la totalit\u00e9 du revenu Entre \u00e2ge l\u00e9gal et 67 ans \u25c6\u00c9cr\u00eatement \u00e0 50% des revenus sup\u00e9rieurs \u00e0 ~7 000\u20ac\/an \u2717 Aucun nouveau droit Loi n\u00b0 2025-1403 \u00b7 legifrance.gouv.fr \u00b7 info-retraite.fr Simulations \u00b7 Source : NB Consulting pour Les \u00c9chosLa date de liquidation change tout \u2014 chiffres \u00e0 l&rsquo;appui. Exemple \u00b7Dernier revenu : 100 000\u20ac\/anPension : 48 000\u20ac\/anNouveau revenu : 70 000\u20ac\/an Sim A \u00b7 Avant \u00e2ge l\u00e9gal Sim B \u00b7 Entre l\u00e9gal et 67 ans (TP rempli) \u2713 Jusqu&rsquo;au 31\/12\/2026 \u2717 \u00c0 partir du 01\/01\/2027 \u2713 Jusqu&rsquo;au 31\/12\/2026 \u2717 \u00c0 partir du 01\/01\/2027 Retenue sur pension 18 000\u20ac 48 000\u20ac 0\u20ac 31 500\u20ac Revenus totaux max 100 000\u20ac 70 000\u20ac 118 000\u20ac 86 500\u20ac Manque \u00e0 gagner LFSS 2026 \u2014 \u2212 30 000\u20ac \u2014 \u2212 31 500\u20ac Source : NB Consulting pour Les \u00c9chos \u00b7 Loi n\u00b0 2025-1403 \u00b7 D\u00e9crets \u00e0 para\u00eetre Votre date de liquidation m\u00e9riteune vraie strat\u00e9gie. Contactez NB Consulting \u2190\u2192 \u2014 Explorer par th\u00e9matique 6 th\u00e9matiques. Toutes vos questions retraite. Voir tous nos services 01 S\u00e9curiser ses droits V\u00e9rifier, corriger,prot\u00e9ger ses droits \u2192 Voir l&rsquo;infographie 02 Identifier son \u00e2ge de d\u00e9part Taux plein, g\u00e9n\u00e9rations,LFSS 2026 \u2192 Voir les infographies 03 Strat\u00e9gie Cumul emploi-retraite \u2192 Voir l&rsquo;infographie 04 Strat\u00e9gie Retraite progressive \u2192 Voir l&rsquo;infographie 05 Strat\u00e9gie Pr\u00e9parer son projet \u2192 Voir les infographies 06 Parcours international Retraite &amp; expatriation \u2192 Voir les infographies \u2014 Newsletter Chaque nouvelle infographie, directement dans votre bo\u00eete.Une nouvelle ressource tous les trimestres. Sans publicit\u00e9, sans d\u00e9marchage. D\u00e9sabonnement en un clic. Veuillez activer JavaScript dans votre navigateur pour remplir ce formulaire.Veuillez activer JavaScript dans votre navigateur pour remplir ce formulaire.Nom Pr\u00e9nom *Email * Recevoir les infographies Pas de spam. D\u00e9sabonnement en un clic. \u2014 Prochaine \u00e9tape Les infographies \u00e9clairent. Un expert accompagne. De la compr\u00e9hension \u00e0 la d\u00e9cision. Prendre rendez-vous Voir nos offres Entretien de 30 min \u00b7 Sans engagement \u2715 Strat\u00e9gie \u00b7 Pr\u00e9parer son projet de vieFiche 1 \/ 3 Rester acteur de son projet D\u00e9finir sa strat\u00e9gie Transmettre &amp; passer le relais La retraite, \u00e7a se construit \u2014 \u00e7a ne s&rsquo;improvise pasVous avez mis 40 ans \u00e0 construire votre carri\u00e8re.Accordez-vous du temps pour construire votre retraite. La retraite n&rsquo;est pas une ligne d&rsquo;arriv\u00e9e. C&rsquo;est le d\u00e9but d&rsquo;une nouvelle phase de vie \u2014 qui questionne l&rsquo;identit\u00e9, le sens, les relations, le rapport au temps. Rester acteur, c&rsquo;est choisir de ne pas la subir. Les \u00e9cueils \u00e0 \u00e9viter \u25c6Attendre le dernier moment \u2014 les droits ne s&rsquo;optimisent pas \u00e0 J-3 \u25c6Subir la date plut\u00f4t que la choisir \u2014 ne pas conna\u00eetre ses options \u25c6N\u00e9gliger la dimension humaine \u2014 jusqu&rsquo;\u00e0 90% des relations professionnelles s&rsquo;arr\u00eatent du jour au lendemain \u25c6Confondre arr\u00eat et projet \u2014 arr\u00eater de travailler n&rsquo;est pas un projet de vie \u25c6Oublier son conjoint\u00b7e \u2014 de 4h partag\u00e9es \u00e0 14h : un nouveau rythme \u00e0 anticiper Les cl\u00e9s pour rester aux commandes \u25c6Anticiper 5 \u00e0 10 ans avant \u2014 financi\u00e8rement et humainement \u25c6S&rsquo;autoriser \u00e0 regarder ses envies profondes \u2014 talents, passions, projets en sommeil \u25c6Construire un nouveau positionnement \u2014 une identit\u00e9 qui ne repose plus sur le titre ou le statut \u25c6Se faire accompagner \u2014 par un expert des droits ET un expert du projet de vie Formation Cap vers le Futur \u00b7 NB Consulting \u00d7 Eclipse Coachingeclipsecoaching.fr \u2192 D\u00e9finir sa strat\u00e9gie \u2014 le bon moment et la bonne forme.Droits + projet de vie : les deux ne peuvent pas se construire s\u00e9par\u00e9ment 1 \u00b7 Choisir le bon moment \u25c6Identifier son \u00e2ge l\u00e9gal et son \u00e2ge de taux plein selon sa g\u00e9n\u00e9ration \u25c6\u00c9valuer l&rsquo;impact de partir avant ou apr\u00e8s le taux plein sur le montant de la pension \u25c6V\u00e9rifier l&rsquo;existence d&rsquo;un dispositif de d\u00e9part anticip\u00e9 (carri\u00e8re longue, fragilit\u00e9) \u25c6Croiser la date de d\u00e9part avec ses projets personnels \u2014 et non l&rsquo;inverse 2 \u00b7 Choisir la bonne forme Retraite progressive R\u00e9duire progressivement son activit\u00e9 tout en percevant une fraction de pension \u2014 transition douce, nouveaux droits pr\u00e9serv\u00e9s Cumul emploi-retraite Liquider ses droits et reprendre une activit\u00e9 \u2014 la date de liquidation est strat\u00e9gique (LFSS 2026) D\u00e9part plein &amp; nouveau projet Liquider \u00e0 taux plein et se consacrer enti\u00e8rement \u00e0 un projet \u2014 associatif, cr\u00e9atif, entrepreneurial NB Consulting &amp; Eclipse Coaching \u2014 pour rester acteur de votre fin de carri\u00e8re et de vos 25 prochaines ann\u00e9es. Fin de carri\u00e8re &amp; apr\u00e8sTransmettre \u2014 l&rsquo;acte le plus strat\u00e9gique de<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-10807","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/wp-json\/wp\/v2\/pages\/10807","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/wp-json\/wp\/v2\/comments?post=10807"}],"version-history":[{"count":36,"href":"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/wp-json\/wp\/v2\/pages\/10807\/revisions"}],"predecessor-version":[{"id":12691,"href":"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/wp-json\/wp\/v2\/pages\/10807\/revisions\/12691"}],"wp:attachment":[{"href":"https:\/\/myagencyinside.com\/maquettes\/gestion-retraite\/wp-json\/wp\/v2\/media?parent=10807"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}