Employment options towards retirement

Course 2: Module 2

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or OeAD-GmbH. Neither the European Union nor the granting authority can be held responsible for them.�Project N° 2023-1-AT01-KA220-VET-000157913

Welcome

• Who am I and why am I here?

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• Who are you and why are you here?

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• What are your expectations?

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• Why are we talking about employment options towards and after retirement?

Content and Agenda

• Legal Framework Options (120 Minutes)
• Coffee Break (15 Minutes)
• Building an employment roadmap (120 Minutes tbd by RM)
• Lunch Break (60 Minutes)
• Resources to realize your Ambitions (45 Minutes)
• Coffee Break (15 Minutes)
• Dealing with resistance to change (120 Minutes tbd by RM)
• Coffee Break (15 Minutes)
• CV design (90 Minutes)

By Patrick Tomasso on Unsplash

Legal framework and options

National Employment Options

Following slides provide an overview of the current legal frameworks (status 2025) and employment options of following countries:

• Austria
• Finland
• Latvia

Austria

Retirement age in Austria

• What do think is the current average retirement age in Austria?
• Do you think it is increasing or decreasing?
• Do you know the employment and unemployment rate?

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By Vlad Sargu on Unsplash

Retirement age in Austria

• What do think is the current average retirement age in Austria?

Female: 60.2 years ; Male: 62.2 years

• Do you think it is increasing or decreasing?

It is steadily increasing

• Do you know the employment and unemployment rate?

As of 1 January 2024, about 9.2 million people lived in Austria.

In 2023, more than 4.7 million people were active on the labor market in Austria. The employment rate was 74.1% (approx. 3.48 million people).

• How many people in Austria aged between 65 and 69 are in employment (including self-employment)?

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Retirement age in Austria

• Employment among older people in Austria is relatively low.
• Only around 10% of Austrians aged between 65 and 69 are still in work.

Retirement age in Austria

• Employment among older people in Austria is relatively low.
• Only around 10% of Austrians aged between 65 and 69 are still in work.

Retirement age in Austria

Number of people in employment in Austria by age group (2023)

15-24: 11%

25-34: 23%

35-44: 24%

45-54: 24%

55-64: 12%

>65: 2%

Retirement age in Austria

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Grafik des Rentenalters :Pensionen - STATISTIK AUSTRIA - Die Informationsmanager

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Retirement age in Austria (average 2000 – 2023)

Trends in labor force participation and employment rates among older age groups in Austria

EQ = Labor Force participation

BQ = Employment rates

Retirement age in Austria

• Since 2000, the average retirement age has risen from 58.5 to 62.2 years for men, an increase of 3.7 years, and from 56.8 to 60.2 years for women, an increase of 3.4 years.
• In the last 10 years alone (as of 2025), the increase for both men and women was more than 2 ½ years!

Types of pensions in Austria

Types of pensions in Austria

Types of pensions in Austria

https://www.arbeiterkammer.at/beratung/steuerundeinkommen/dazuverdienen/Pension_und_Zuverdienst.html -

Tax/financial situation for employees aged 55+

Current situation in Austria - Tax guidelines for employment during retirement

Supplementary income to retirement pension:

• In addition to a regular old-age pension, there is no limit to how much extra income can be earned.
• The additional income does not reduce the amount of your pension.
• As an incentive to continue working after reaching the standard retirement age, the federal government will cover the portion of your pension insurance contributions attributable to your insured pension, up to a maximum of 10.25 percent of twice the minimum income threshold.
• For 2025, this means that contributions of up to €112.98 will be covered.
• However, there may be an increase in pension: if the gainful employment exceeds the marginal earnings threshold of €551.10 per month (2025 value) and this results in compulsory pension insurance, the pensioner has received a special higher insurance amount since January 1, 2005.
• This amount is payable for the first time from the calendar year following the calendar year in which gainful employment commenced.

Tax/financial situation for employees aged 55+

Current situation in Austria - Tax guidelines for employment during retirement

Additional income for early retirement

• In the case of early retirement with a long insurance period, the pension will be lost if, during the period of pension receipt
• gainful employment exceeding the marginal earnings threshold of €551.10 per month (14 times per year) is carried out and this results in compulsory pension insurance.

Tax/financial situation for employees aged 55+

Current situation in Austria - Tax guidelines for employment during retirement

Supplementary income to the corridor pension

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If, while receiving a corridor pension...

• you take up gainful employment above the marginal earnings threshold of €551.10 per month and
• become subject to compulsory pension insurance,

...the corridor pension will be discontinued.

Taxes and additional income

• Pension + additionally earned income = total taxable income
• Tax exemption limit (2025): €14,517 per year (including pension and income)�→ Above this amount: income tax is payable
• Required if you receive multiple types of income (e.g., pension + job)
• If the threshold is exceeded, additional tax payments may be required
• Recommended: Save for possible additional tax payments

Projects and initiatives

The Austrian government is launching a package of measures to make employment in old age more financially attractive for both companies and employees.�→ Background: Employment rate among older people in Austria is low (approx. 10%).

Projects and Initiatives II

• Many companies have a long-standing practice of letting older employees go (which could lead to age discrimination).
• Also the preference for retirement to continue working in old age.

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• From 2026, a new tax rate will apply to pensioners who continue to work: a flat tax of 25% (there will be an income ceiling for reduced taxation, the exact amount of which has not yet been determined).
• Pensioners who continue to work after retirement will no longer have to pay insurance contributions.
• Employer contributions will also be reduced by half.

Projects and Initiatives III

ASEP (Österreichischer Senior Expert Pool) - https://www.asep.at/

• Independent pool of experienced entrepreneurs, executives, and experts from various industries
• They advise, contribute ideas, and actively support processes and projects.
• Senior experts as mentors for start-ups → can be hired as project or interim managers
• ASEP works together with:�Start-ups / Company founders; Incubators; Family businesses; SMEs and sole proprietorships; NGOs and NPOs

Projects and Initiatives IV

Senior Talents (Project in Dachstein, Styria)

• Cooperates with small and medium-sized enterprises that are openly willing to hire older employees in the tourism sector;
• Provides an overview of the tax system for older people
• https://www.schladming-dachstein.at/Jobs/de/Senior-Talents

Pension calculator and other services

Calculate retirement age:

• Rechner der Österreichischen Sozialversicherung (Link)
• Rechner der Pensionsversicherung Österreich (Link)
• Rechner der Arbeiterkammer (Link)

Calculate pension amount:

• Rechner der Pensionsversicherung Österreich (Link)
• Rechner der Sozialversicherungsanstalt der Selbständigen (Link)

Pension calculator – gross/net:

• Rechner von Finanz.at (Link)

Guide for life stages:

• Finanznavi (Link)

Sources

• https://www.arbeiterkammer.at/beratung/arbeitundrecht/pension/pensionsformen/Alterspension.html
• Zuverdienst während der Pension
• Senior-Talents
• Vorzeitige Alterspensionen für langjährig Versicherte
• Österreichs einzige Jobplattform für Menschen 45+ - Senior Quality
• Jobs 50 plus » wichtige Infos und Tipps | AMS
• Pensionen - STATISTIK AUSTRIA - Die Informationsmanager
• Pensions at a Glance 2023 | OECD
• Pension & Zuverdienst | Arbeiterkammer

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Finland

Retirement age in Finland (I)

• The retirement age in Finland depends on the year of birth.
• For example, people born in 1955 could retire at 63 years and 3 months.
• For those born in 1965 or later, the age is rising to 65.
• The age will continue to adjust over time based on average life expectancy, as determined by the Finnish Centre for Pensions (Eläketurvakeskus).

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The amount of pension you receive depends mainly on:

• Your total income throughout your working life;
• How long you have worked;
• At what age you start receiving your pension.

Source: YTK

Retirement age in Finland (II)

The statutory retirement age is:

• 68 years for those born in 1957 or earlier;
• 69 years for those born between 1958 and 1961;
• 70 years for those born in 1962 or later.

An employment relationship ends automatically when the employee reaches this age. The employee does not need to submit a resignation, and the employer cannot terminate the employment solely based on pension eligibility before this age.

Employees can continue working until their personal upper age limit for pension accrual, currently between 68 and 70, depending on their year of birth.

After reaching this limit, no further earnings-related pension is accrued, and pension contributions are no longer deducted, which may increase the employee’s take-home pay.

However, the employment relationship may continue beyond this point if both parties agree.

Pension calculation

• For the earnings-related pension, accrual begins at the age of 17 and continues until 68.
• Each year, a percentage of your annual gross income is added toward your future pension.
• The standard accrual rate is 1.5%, but for people aged 53-62, the rate is 1.7% during the transition period from 2017-2025.
• In 2024, the average total pension in Finland was around 2,100 EUR per month, up from 1,977 EUR in 2023.
• The median pension was 1,848 EUR per month.

Source: Eläketurvakeskus (and Kela)

Check and estimate your future pension (I)

• In Finland, your pension builds up gradually over the course of your working life.
• You can monitor how much pension you’ve earned so far by checking your pension record.
• It lists all the jobs and periods of self-employment that have contributed to your pension pot.
• It’s recommended to review your pension record at least once a year to make sure the information is accurate, as your final pension will be calculated based on this data.

Source: Työeläke

Check and estimate your future pension (II)

• If you are aged 55 or older, you can use the pension calculator at tyoelake.fi to get an estimate of your future pension.
• The calculator provides a projection of your earnings-related pension, and, if you’re eligible, includes estimates for the national and guarantee pensions paid by Kela.
• Keep in mind that this is only an estimate. Your actual pension amount may change depending on your future salary, changes in life expectancy, and general wage developments in society.

Source: Työeläke

The structure of the Finnish pension system

The Finnish pension system consists of three main components:

The national pension

The guarantee pension

The earnings-related pension

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Together, these form a comprehensive model that ensures income security in old age, regardless of how much a person has worked or earned during their life.

The system combines individual contributions with state support and is designed to cover both employees and self-employed persons.

Earnings-related pension (I)

• The earnings-related pension (työeläke) is the most important part of the Finnish pension system for those who have worked in Finland.
• Its main goal is to ensure that your income level stays reasonably stable after retirement, based on how much you earned during your working life.
• This pension is earned through all paid work and self-employment.
• For employees, pension rights start building up from the age of 17, and for self-employed people, from the age of 18.
• The more you earn and the longer you work, the bigger your pension will be.

Earnings-related pension (II)

• Employers are responsible for taking out pension insurance for their employees and paying the necessary contributions.
• These pensions are managed by authorized pension providers.
• If you are self-employed, you must arrange your own insurance through the YEL (yrittäjän eläkevakuutus) scheme.
• Farmers and agricultural entrepreneurs use a different system called MYEL (maatalousyrittäjän eläkevakuutus).

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🡪 It’s important to note that the earnings-related pension doesn’t start automatically.

🡪 You need to apply for it through your own pension provider when you are nearing retirement age.

National and guarantee pensions (I)

For people who have earned little or no earnings-related pension, Finland provides two state-funded pensions paid by Kela:

• the national pension (kansaneläke), and
• the guaranteed pension (takuueläke).

These pensions ensure a minimum income for individuals who have had a short working life, low earnings, or gaps in employment.

To qualify, you must be a permanent resident of Finland and have lived in the country for at least three years after turning 16.

National and guarantee pensions (II)

• The national pension acts as a basic benefit and is paid to people whose earnings-related pension is small or non-existent.
• It can also be paid as a disability pension if the person cannot work due to illness or injury.
• The amount depends on other income and how long the person has lived in Finland.

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• The guarantee pension ensures that no one falls below a nationally defined minimum income level.
• If your total monthly pension income is below that threshold, Kela pays the difference.

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Together, these two pensions form a safety net for older people with low lifetime earnings.

Types of pensions (I)

There are several types of pensions available, depending on a person’s age, health, and family situation.

The most common is the old-age pension (vanhuuseläke), which begins once a person reaches the statutory retirement age.

• The exact retirement age depends on the person’s year of birth and is gradually increasing in Finland.
• People can also choose to postpone retirement beyond the minimum age, which results in a higher monthly pension.

There is also a partial old-age pension (osittainen vanhuuseläke), which allows individuals to start withdrawing either 25% or 50% of their earnings-related pension early.

• This option permanently reduces the monthly amount, but it can be a helpful way for people to reduce their working hours gradually.

Types of pensions (II)

For those who are unable to work due to illness or injury, the disability pension (työkyvyttömyyseläke) is available.

• It requires medical documentation and is available for people aged 16-64.
• People who receive a disability pension may also qualify for rehabilitation services to help them return to working life if possible.

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There’s also survivors’ pension (perhe-eläke) that supports the family members of a deceased person.

• These include a widow’s/widower’s pension and an orphan’s pension for children.
• These benefits help surviving family members manage financially after a loss.

Working while on a pension in Finland (I)

If you are on an old-age pension, partial old-age pension, or a surviving spouse’s pension, you can work as much as you like without it affecting the amount of pension you receive.

While working, you continue to earn new pension (1.5% per year on your gross income, or 1.7% for those aged 53-62 during 2017-2025) until you reach the upper age limit for pension accrual.

After that point, no more pension is earned, but your take-home pay increases, as pension contributions are no longer deducted.

If you plan to start receiving old-age pension while continuing with the same employer, your current employment contract must first be terminated.

You then need to sign a new contract with materially different duties, such as moving from full-time to part-time work.

Working while on a pension in Finland (II)

For those receiving a disability pension, partial disability pension, or a years-of-service pension, earnings limits apply.

These limits are based on a percentage of your previous income.

• For a full disability pension, the limit is 40%.
• For a partial disability pension, it is 60%.
• In some cases, the limits are fixed amounts.

In 2025, the general earnings limit is 986.30 EUR per month, or 11,835.60 EUR annually for the self-employed.

If your earnings exceed the limit, your pension may be suspended, and any overpaid amounts may need to be repaid.

Working while on a pension in Finland (III)

Pensions and wages are taxed differently in Finland.

If you work while drawing a pension, you need two separate tax cards:

• one for your pension income, and
• one for your wages.

You can request both tax cards through the Finnish Tax Administration’s MyTax service.��Once you receive your pension decision, it’s important to order a tax card for pension income as soon as possible.

If no tax card is submitted, your pension provider will automatically withhold 40% of your pension in tax.

After you provide the correct tax card, any excess tax withheld will be refunded or adjusted in your next payment.�

Working while on a pension in Finland (IV)

Pension income qualifies for specific tax deductions, which typically make the tax rate lower than for wages.

If your income changes significantly, it’s a good idea to update your tax cards to ensure the correct rate is applied throughout the year.

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If you do not have a tax card for wages, your wages and fees are subject to 60% tax.

Tax rates on pay, pensions and benefits in 2025 (I)

Your tax rate refers to the percentage of your income that is paid as tax.

In Finland, tax on earned income is determined by your total income for the year. Earned income includes wages from employment, as well as pensions and certain social benefits.

The exact tax rate depends on factors such as your annual income, municipality of residence, religious affiliation, and any applicable deductions.

The tax rates in the table (next slide) are for a person who:

• is between 17 and 52 years of age
• lives in Helsinki
• belongs to the Evangelical Lutheran Church
• only receives one type of income during the year (e.g. just wages, no other income)
• no underage children under guardianship
• has received a tax card at the start of the year

Tax rates on pay, pensions and benefits in 2025 (II)

Source: Vero

Tax percentage calculator (I)

You can use the Finnish Tax Administration’s tools to estimate whether your current tax rate is high enough or needs to be adjusted.

This can be done either directly in MyTax or through the tax rate calculator.

If your income situation changes during the year, it’s important to check whether a new tax card is needed.

When using MyTax, you can simulate creating a new tax card with updated details.

• MyTax already contains much of your tax information, making the process easier.
• If you decide to proceed, you can submit the updated card directly.
• Alternatively, you can save your edits as a draft for up to one month and return later to finalize the request.
• Only submitted tax cards take effect.

Source: Vero

Tax percentage calculator (II)

The separate tax rate calculator provides a quick estimate of whether your rate is too low or too high, without requiring login.

However, it’s only a rough estimate, as it shows only the tax rate and not other deductions like insurance contributions.

If you want to update your tax card based on this estimate, you will need to enter the information manually in MyTax.

Source: Vero

Earnings-related pension at statutory retirement age (I)

Working beyond your statutory retirement age increases your pension.

This growth comes from both the late retirement increment and the additional pension earned through continued employment.

The table (next slide) shows how your monthly earnings-related pension may rise if you work for 1 year, 2 years, 3 years, 4 years and 5 years past your retirement age, based on different salary levels.��Example person:

• Born in 1960
• Reaches their statutory old-age retirement age (64 years 6 months) in 2024
• Has a full working career (39 years 6 months to the statutory retirement age)
• Continues to work for the same salary until retirement
• If own earnings or general price and earnings levels remain unchanged

Source: Työeläke

Earnings-related pension at statutory retirement age (II)

Applying for a pension

Pensions are not granted automatically in Finland.

• Instead, they must always be applied for.
• The application process depends on the type of pension.

For the earnings-related pension, the application should be sent to the pension provider where the person’s income has been insured the most during the past two calendar years.

• That provider will process the application, issue the pension decision, and pay out the pension.
• The decision includes earnings-related pensions from both the private and public sectors.

For the national pension and guarantee pension, the application goes to Kela.

• You can apply for both earnings-related and national pensions at the same time using a single application form, and the system will automatically forward it to the correct institution.

Additional benefits for pensioners

In addition to pension payments, older people in Finland may be entitled to other forms of support to ensure a good quality of life.

These include the housing allowance for pensioners (eläkkeensaajan asumistuki), which helps low-income retirees cover rent or housing-related expenses.

There is also a care allowance (eläkettä saavan hoitotuki) for pensioners who need daily assistance due to illness, disability, or reduced mobility.

If a pensioner is responsible for a child under the age of 16, they may also receive a child increase (lapsikorotus eläkkeensaajalle) to supplement their pension.

These additional benefits are designed to support pensioners’ independence, dignity, and wellbeing as they age.

Initiatives supporting people aged 55+ (I)

In Finland, several initiatives have promoted wellbeing, inclusion, and age equality for people aged 55 and over.

One such initiative was the Rohkeasti seniori project (2019-2021), coordinated by the National Association of Seniors in Finland (Kansallinen senioriliitto ry).

• It encouraged people approaching or entering retirement to live actively, form new social connections, and participate in community life.
• The project aimed to reduce loneliness, prevent social exclusion, and support wellbeing during a major life transition.
• It offered nationwide courses and low-threshold activities, both in person and online.
• For example, Rohkeasti eläkkeelle events were held at golf venues in Helsinki and Lappeenranta, combining physical activity with peer support.
• The project especially reached those who were not yet involved in volunteer work or other networks and encouraged them to explore senior activities and shared experiences.

Initiatives supporting people aged 55+ (II)

Another initiative is 55 Rise and Shine, a volunteer-driven movement launched in 2024 to promote age equality in Finnish society and workplaces.

The movement is coordinated independently and grounded in research and data, aiming to raise awareness about age discrimination, 55+ employment, and the value of older workers.

It operates across three levels:

• national policy,
• organizational practices, and
• individual awareness.

55 Rise and Shine shares data through its website and LinkedIn presence and encourages decision-makers, HR professionals, and recruiters to see older employees as contributors to long-term success.

People can participate as supporting members or active volunteers, joining two-month project cycles in themed teams to drive change through collaboration.

Where to look for jobs in Finland?

In Finland, there are no specific job platforms dedicated exclusively to recruiting individuals aged 55 and over.

However, the Finnish job market puts strong emphasis on skills, experience, and professional value, rather than age.

Job seekers of all ages, including those over 55, are encouraged to apply through widely used recruitment channels.

Here are some of the most common websites for finding open positions in Finland:

• https://duunitori.fi/tyopaikat/
• https://www.kuntarekry.fi/fi/tyopaikat/
• https://tyomarkkinatori.fi/henkiloasiakkaat/avoimet-tyopaikat
• https://barona.fi/tyopaikat

+ Company-specific career pages (such as those of universities, municipalities, and private companies)

+ Hidden job market

References

https://www.tyoelake.fi/en/pension-record/

https://www.tyoelake.fi/en/pension-calculator/

https://www.tyoelake.fi/en/different-pensions/old-age-pension-your-retirement-age-is-based-on-your-year-of-birth/

https://www.tyoelake.fi/en/how-much-pension/combine-work-and-retirement/

https://www.tyoelake.fi/en/claim-your-pension/how-will-my-pension-be-paid-and-taxed/

https://www.tyoelake.fi/en/how-much-pension/working-longer-pays-off/#title

https://www.vero.fi/en/individuals/tax-cards-and-tax-returns/tax_card/pension/

https://www.vero.fi/en/individuals/tax-cards-and-tax-returns/income/earned-income/tax-rates-on-pay-pensions-and-benefits/

https://www.vero.fi/en/individuals/tax-cards-and-tax-returns/tax_card/tax-percentage-calculator/

https://www.kela.fi/when-you-are-about-to-retire

https://www.etk.fi/en/finnish-pension-system/pensions/overview-of-pensions/

https://www.etk.fi/en/finnish-pension-system/pensions/earnings-related-pension-benefits/old-age-pension/

https://www.etk.fi/en/topical-issues/average-monthly-pension-in-finland-in-2024-e2100/#:~:text=In%202024%2C%20the%20average%20monthly,Centre%20for%20Pensions%20and%20Kela.

https://www.infofinland.fi/en/work-and-enterprise/pension

https://www.suomi.fi/citizen/social-security/retirement/guide/retiring

https://www.suomi.fi/citizen/social-security/retirement/guide/retiring/planning-your-retirement

https://www.keva.fi/en/pensions/information-about-pensions/amount-of-pension/

https://www.keva.fi/en/pensions/for-pension-recipients/taxation-of-pension/

https://www.ilmarinen.fi/en/private-customer/on-a-pension/working-while-on-a-pension/

https://stm.fi/en/earnings-related-pension

https://www.ytkpalvelut.fi/en/work-life-guide/earnings-related-pension/accrual-and-amount-of-earnings-related-pension/

https://www.ytkpalvelut.fi/en/work-life-guide/earnings-related-pension/old-age-pension/

https://helsinki.chamber.fi/eroamisika-ja-elakeika-tyosuhteessa/

https://tyosuojelu.fi/en/employment-relationship/employee-of-pension-age

https://www.senioriliitto.fi/rohkeastiseniori/

https://www.55riseandshine.fi/

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Latvia

Tax/Financial Situation for employees in age 55+

• The Law "On State Pensions" stipulates that from 2025, women and men who have reached the age of 65 and whose insurance period is not less than 20 years will be entitled to an old-age pension.
• There are unlimited additional earning possibilities.
• Pensions increase through additional insurance contributions.
• Pension recalculation, if the pensioner works, must be requested from the State Social Insurance Agency (VSAA).

Tax/Financial Situation for employees in age 55+

The Latvian pension system consists of three levels:

1. First level (State social insurance):

Mandatory part, consisting of employer and employee contributions. The amount of pension depends on the years of service and contributions made.

2. Second level (Mandatory pension contributions):

Part of the social contributions is invested in financial markets.

3. Third level (Voluntary pension insurance):

An opportunity for everyone to create additional savings using banks and pension funds.

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Tax/Financial Situation for employees in age 55+

Early retirement is possible, if:

• Person is or above 62 years and 6 months and the insurance period is at least 30 years.
• Early retirement results in a lower retirement income.
• Pensions are subject to an employee rate of 9.25% and a personal income tax (PIT) 25.5%.
• For non-working pension recipients, the tax-free minimum of 1,000 Euros is applied automatically.
• For a working pension recipient, the tax-free minimum of a pensioner depends on the place of submission of the salary tax book. If the salary tax book is submitted:
• in (VSAA), then 1,000 euros are applied to the pension,
• to the employer, then 500 euros are applied to the pension and 500 euros to the salary.

SMEs or other platforms that already provide work opportunities for individuals

aged 55 and above

There are no special platforms for individuals 55+, but job opportunities are possible to find on the following websites:

• https://www.cvmarket.lv
• https://cv.lv/lv
• https://www.visidarbi.lv/darba-sludinajumi/kur:riga
• https://cvvp.nva.gov.lv/#/pub/
• https://www.irdarbs.lv/categories/index/page:192/app:dr/lang:lat

Furthermore, the State Employment Agency organizes various events, such as Job fairs, etc.

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State Employment Agency offers training for employed individuals, also for 50+:

• Mācības nodarbinātām personām (mūžizglītība) | Nodarbinātības valsts aģentūra

State Education Development Agency offers training for every individual 18+ employed or unemployed in frame of Recovery Fund Project "Individual Learning”:

• https://www.viaa.gov.lv/lv/atveselosanas-fonda-projekts-individualo-macibu-kontu-pieejasattistiba

Many NGO offers different seminars in the framework of national and European projects.

Each year there is organized Communication forum, where Education institutions are offering their educational programs and courses and enterprices are offering education and job opportunities:

• https://www.viaa.gov.lv/lv/sarunu-forums-nakotnes-prasmes-sodienas-izaicinajumi

Training opportunities for individuals aged 55 and above

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Sources��

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https://banknote.lv/blogs/dazadi/pensijas-vecums-latvija-viss-kas-jazina-par-pensionesanos

https://www.viaa.gov.lv/lv/atveselosanas-fonda-projekts-individualo-macibu-kontu-pieejas-attistiba?utm_source=https%3A%2F%2Fwww.google.com%2F

https://www.nva.gov.lv/lv/macibas-nodarbinatam-personam-muzizglitiba

https://www.nva.gov.lv/lv/jaunums/nva-vakancu-gadatirgus-riga-iespeja-darba-mekletajiem-un-darba-devejiem-satikties-vienuviet

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Building an employment roadmap

Career Pathing - building an employment roadmap

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What is an employment roadmap?

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• structured plan

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• helps clarify professional goals

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• explore opportunities

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• take concrete steps towards achieving them

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Career Pathing - building an employment roadmap

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Goals of an employment roadmap:

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• gain clarity about future employment options

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• support decision-making round continued work

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• increase motivation through realistic and achievable planning

Career Pathing - building an employment roadmap

Short-Term Goals and Long-Term-Goals

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Short-Term Goals: Objectives to be reached within 3 to 12 months

Examples: attend a training course, talk to current employer, test a volunteering role

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Long-Term-Goals: plans that span several years

Examples: part-time work after retirement, starting a small business, sharing knowledge through mentoring

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Personal Employment Roadmap

The Employment Roadmap visualizes the timeline including key milestones.

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The Personal Action Plan defines concrete steps, identifies support and clarifies ressources.

Career Pathing - building an employment roadmap

Group-work:

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• 4 groups
• each group works on 1 Persona
• 20 minutes time for the group work

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Your task:

• define goals for your Persona
• develop a fictive road map
• take a look at the financial implications of the chosen roadmap
• what is the impact on the live of the Persona?

Anna, 62

Professional experience��Anna has spent the majority of her career in the retail sector, where she held various roles that demanded both leadership and interpersonal finesse. �Her responsibilities included:

• Team Leadership& Staff Management
• Project & Process Coordination
• Customer Relations & Conflict Resolution�

Hobbies & Interests:

• Manual crafts like pottery, knitting and other handicrafts
• Reading & literature: active member of a women's reading group
• Connection with children

Heidi, 59

Heidi holds an academic degree in Economics and Business Management.

Professional experience�

• Executive Leadership
• Global Engagement: Her work has taken her across borders, with regular business trips to various countries.
• Participant at international conferences and industry events

Skills & Interested�

• Maintains a strong interest in current economic developments and social issues
• Thrives in multicultural environments and enjoys exploring the nuances of global perspectives.
• People-centered networking

Professional experience��Walter began his career as a construction worker.Over the years, his commitment and skill earned him a promotion to construction manager

• Project Oversight: Leading construction projects from planning to completion
• Team Coordination
• Process & Logistics Management

Hobbies & Interests

• Gardening
• Spends much of his free time hiking, walking, and simply being outdoors
• Sports & Fitness
• Enjoys small craft projects and DIY tasks

Walter, 68

Career Pathing - building an employment roadmap

Single work:

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Your task:

• Create your personal roadmap
• What are your long-term goals?
• What are your short-term goals?
• Think about the following questions:
• Reflect on your own personal life situation (e.g., caregiving responsibilities, family situation, personal commitments) - What do I need for my life? What is important for me?
• Reflect on your personal development plan (PDP)
• Where do you need information or support from others?
• Develop your personal action plan

Ressources

Where to start?

• National & regional chambers of commerce (www.wko.at)
• Government portals (e.g. business registration, tax office)
• Industry-specific associations
• Start-up platforms (e.g. Kickstarter)

Activate your network

• Mapping your current network
• Networking events / meetups / co-working spaces
• LinkedIn, XING, local Facebook groups
• How to ask for help or introductions

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Start now:

Write down 3 person that might be a useful contact for achieving your goal

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Exercise: What are the possibilities?

1. Take a look at the CVs of the three fictional characters.
2. Think together about what types of activities or jobs might be interesting or suitable for each person.
3. Discuss in the group which skills, experiences and interests play a role.
4. Write down your ideas in bullet points on a sheet of paper.

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There are no “right” or “wrong” answers - it’s about your reflections and ideas.�Think about experiences, hobbies, social contacts and personal preferences. �Try to be creative and consider different possibilities.�When you have written down your ideas, aks AI for suggestions.

Anna, 62

Professional experience��Anna has spent the majority of her career in the retail sector, where she held various roles that demanded both leadership and interpersonal finesse. �Her responsibilities included:

• Team Leadership& Staff Management
• Project & Process Coordination
• Customer Relations & Conflict Resolution�

Hobbies & Interests:

• Manual crafts like pottery, knitting and other handicrafts
• Reading & literature: active member of a women's reading group
• Connection with children

Heidi, 59

Heidi holds an academic degree in Economics and Business Management.

Professional experience�

• Executive Leadership
• Global Engagement: Her work has taken her across borders, with regular business trips to various countries.
• Participant at international conferences and industry events

Skills & Interested�

• Maintains a strong interest in current economic developments and social issues
• Thrives in multicultural environments and enjoys exploring the nuances of global perspectives.
• People-centered networking

Professional experience��Walter began his career as a construction worker.Over the years, his commitment and skill earned him a promotion to construction manager

• Project Oversight: Leading construction projects from planning to completion
• Team Coordination
• Process & Logistics Management

Hobbies & Interests

• Gardening
• Spends much of his free time hiking, walking, and simply being outdoors
• Sports & Fitness
• Enjoys small craft projects and DIY tasks

Walter, 68

Dealing with resistance to change

Dealing with resistance to change - theoretical input

Immunity to change method

� Understanding why change is hard – and how to make it easier

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Dealing with resistance to change - theoretical input

Why is change so difficult?

• We often have good goals. We say: “I want to …”
• But we don’t follow through.
• It’s not laziness.
• Hidden blocks hold us back.
• This is our “Immunity To Change”
• The ITC Method helps us find and overcome these blocks.

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Dealing with resistance to change - theoretical input

What is the ITC Method?�

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• A tool to see why change is difficult
• Shows our hidden barriers: Unconscious blocks, fears, and assumptions
• Helps us reach our goals
• Explains why people remain stuck despite good intentions
• the method uses 4 steps

Dealing with resistance to change - theoretical input

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The 4 steps

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1. Set a goal
2. Notice behaviors that block it
3. Find hidden commitments
4. Discover big assumptions

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Dealing with resistance to change - the ITC Method

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Set a goal

Choose something important you want to improve.

Example: “I want to feel more confident with new technology.”

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Look at your behaviors

What do you do that makes this goal hard?

Example: “I avoid using new apps and always ask others for help.”

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Find hidden commitments

• What secret promises are you keeping that block your goal?
• Example: “I want to avoid feeling stupid in front of others.”

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Discover big assumptions

• What beliefs are behind those commitments?
• Example: “If I make mistakes, people will lose respect for me.”

How does the method work?

When we see these steps clearly, we can test new ways of thinking and slowly change.

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Dealing with resistance to change - theoretical input

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Commitment to improvement

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Question: What do I sincerely want to change or achieve?

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Example: “I want to feel more confident with new technology.”

Dealing with resistance to change - theoretical input

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Behaviors that go against the commitment

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Question: What am I doing or avoiding that holds me back?

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Example: “I avoid using new apps and always ask others for help.”

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Dealing with resistance to change - theoretical input

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Hidden competing commitments

�Question: What fears or needs might I be protecting?

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Example: “I want to avoid feeling stupid in front of others.”

�

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Dealing with resistance to change - theoretical input

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Big assumptions

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Question: What deep beliefs or assumptions are influencing me?

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Example: “If I make mistakes, people will lose respect for me.”

Dealing with resistance to change - theoretical input

Why it works

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• resistance = self-protection
• encourages reflection, not pressure
• enables real, small steps

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Dealing with resistance to change - experiment

Blockade cards (Metaphor Game)

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• Each participant chooses one card (Wall, Boulder, Maze, Shield, Bridge, Ladder).
• Reflect: Which card best represents your current blockage in your career path?
• Write down a keyword or short sentence about your blockade.
• Share your thoughts in a small group (2–3 people).

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Time: 15 minutes (5 minutes reflection, 10 minutes sharing).

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(trainer information: afterwards reflexion in the big group)

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Dealing with resistance to change - experiment

Blockade Cards (Metaphor Game)

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🧱 The Wall – Which barrier is holding you back?

🏔️ The Boulder – What feels so heavy that it seems immovable?

🌀 The Maze – Where do you get lost or unsure of your direction?

🛡️ The Shield – What might you (unconsciously) want to protect yourself from?

🌉 The Bridge – What could help you transition into something new?

🧗 The Ladder – What small step could move you forward a little bit?

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Which barrier is holding you back?

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or OeAD-GmbH. Neither the European Union nor the granting authority can be held responsible for them.“ Project N° 2023-1-AT01-KA220-VET-000157913

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What feels so heavy that seems immovable?

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or OeAD-GmbH. Neither the European Union nor the granting authority can be held responsible for them.“ Project N° 2023-1-AT01-KA220-VET-000157913

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Where do you get lost or unsure of your direction?

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or OeAD-GmbH. Neither the European Union nor the granting authority can be held responsible for them.“ Project N° 2023-1-AT01-KA220-VET-000157913

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What might you (unconsciously) want to protect yourself from?

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or OeAD-GmbH. Neither the European Union nor the granting authority can be held responsible for them.“ Project N° 2023-1-AT01-KA220-VET-000157913

​

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What could help you transition into something new?

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or OeAD-GmbH. Neither the European Union nor the granting authority can be held responsible for them.“ Project N° 2023-1-AT01-KA220-VET-000157913

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What small step could move you forward a little bit?

Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or OeAD-GmbH. Neither the European Union nor the granting authority can be held responsible for them.“ Project N° 2023-1-AT01-KA220-VET-000157913

Dealing with resistance to change - exercise

Roleplay – Guardian Angel & Critic

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• Form pairs.
• Person A and B choose an example for a change goal.
• Person A takes the role of the 'Guardian Angel': encourage, support, highlight positive aspects.
• Person B switches to the role of the 'Critic': raise doubts, point out risks.
• Sit on two chairs (Commitment / Critic).
• Play the dialogue for 5 minutes. After 5 minutes, switch roles.

Total time: 15 minutes (5 min per person & role, 5 min reflexion)

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Reflection: How did it feel to play both sides?

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Putting the ITC Method in to practice -

Reflection with the ITC Handout & PDP

Reflection with the ITC Handout & Personal Development Plan

Individual work (approx. 15 minutes)�

• Take your PDP (Personal Development Plan).�
• Go step by step through the ITC Handout:�
• Commitment to improvement: Which goal from your PDP feels most important right now?�
• Behaviors that work against it: What are you doing or not doing that blocks your progress?�
• Hidden competing commitments: What inner commitments or defense mechanisms might be in the way?�
• Big assumptions: What deep beliefs are influencing you?�

Write down your reflections on the handout.

Putting the ITC Method in to practice -

Reflection with the ITC Handout & PDP

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Pair work (approx. 15 minutes)�

• Share your reflections in pairs.�
• Each person shares their most important insight.�
• The partner listens actively, asks open questions, and avoids giving quick advice.

Putting the ITC Method in to practice -

Reflection with the ITC Handout & PDP

Wrap-Up (in plenary, 5 minutes)�

• Consider: What is one small step you want to try in the coming month?�
• Share a short impulse in the group if you like.

CV design

CV Update

Highlight What Matters Now

Focus on recent, relevant work or volunteeringRemove outdated experience (20+ years ago)

Include recent digital or training courses

Show your strengths

Emphasize reliability, life experience, and soft skillsUse roles like “Advisor,” “Consultant,” or “Support”

Be Clear About Your Goals

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Mention interest in part-time, flexible, or meaningful work

Add a short profile at the top

Keep It Clean and Easy

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Use simple, modern layout

Max 2 pages, readable font (11–12 pt)

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CV design tools

Europass

ChatGPT

Canva

• Easy drag-and-drop design
• Free CV templates
• Add icons, photos, and color easily
• Great for creative or visual CVs

• Official EU format
• Multilingual options
• Step-by-step CV builder
• Ideal for international or formal applications

• Helps write or improve CV text
• Gives suggestions for achievements and skills
• Can adapt tone and structure for job goals
• Use with tools like Canva to finalize layout

Europass-Lebenslauf

https://europass.europa.eu/de/create-europass-cv

Your KAIN Project

Five Essential Definition Blocks

A well-defined project is half the success. Use these five building blocks to structure your thinking and ensure your project is focused, actionable, and results-oriented. Each block serves a specific purpose in transforming a vague idea into a concrete plan.

01

Situation

Describe the concrete problem or need you're addressing. Stick to facts and the current state—what's happening now that requires attention?

02

Goal(s)

Define your SMART goal: what is the desired target state? Be specific about what success looks like and when you'll achieve it.

03

Value

Articulate the benefit for your team and company. Will this improve efficiency, enhance quality, enable knowledge transfer, or deliver another tangible outcome?

04

Approach

Outline 3–5 key actions or small experiments you'll undertake. Embrace the Kaizen philosophy: small steps, continuous improvement.

05

Measurement & Evidence

Identify 2–3 indicators that will demonstrate progress. Gather simple before/after data to show what changed.

Project Examples and Realistic Expectations

Real Example: Mentoring Project

"Explore options for mentoring in my organisation, develop a plan, start with one mentee, and complete the preparation phase within the next 6 weeks."

This goal is specific (mentoring), measurable (one mentee, preparation phase), achievable (6 weeks), relevant (organisational development), and time-bound (6 weeks).

Keep Expectations Realistic

Better to deliver a focused, well-executed project than to overreach and underdeliver. Sharply defined scope beats ambitious vagueness every time.

Remember: You're planting seeds, not harvesting the entire crop. The practice phase is about learning by doing, not perfection.

Practice Phase Timeline

Structuring Your 4–6 Week Practice Phase

Success during the practice phase comes from combining the right support, maintaining a steady rhythm of action and reflection, and capturing just enough documentation to learn and communicate effectively. You won't be working in isolation—coaching, peer support, and structured check-ins keep you on track.

1

Weeks 0–1

Finalise your project plan and secure stakeholder commitment. Ensure everyone understands what you're doing and why.

2

Weeks 1–5

Execute your actions and run tests. Hold weekly short check-ins (15–30 minutes) to review progress and adjust course.

3

Weeks 5–6

Lock in your results, reflect on what worked and what didn't, and begin drafting your presentation.

Lightweight Documentation: Just Enough, Not Too Much

We're not asking for lengthy reports. Keep documentation simple, practical, and useful for learning and communication.

One-Page Project Brief

Capture the five definition blocks (Situation, Goal, Value, Approach, Measurement) on a single page for clarity and focus.

Progress Log

If applicable, record date, action taken, observation or result, and next step. This creates a simple narrative of your journey.

Before/After Snapshot

Document your indicators at the start and end. Even rough data tells a powerful story of change.

Support Available Throughout

Trainer Coaching on Demand

Whether you need a quick pointer or deeper coaching on a complex challenge, your trainer is available to support you. Schedule sessions as needed—don't wait until problems escalate.

External Experts

For specialised topics beyond the core programme, we can bring in external experts to provide targeted guidance and insight.

Communication Channels

Group Chat: Use the WhatsApp or Teams group for quick questions, sharing experiences, and peer-to-peer learning. You're not alone in this.

Fixed 1:1 Session: At minimum, you'll have one scheduled 1:1 with your trainer to review progress, troubleshoot, and refine your approach.

Phase 3 Preparation Tip: Build your presentation as you go. Capture problem → goal → approach → results → lessons learned in real time, rather than scrambling at the end. Future you will thank present you.

Success Factors and Avoiding Pitfalls

Setting Yourself Up for Success

The difference between projects that flourish and those that flounder often comes down to a few critical factors. By understanding what drives success—and what commonly derails projects—you can navigate the practice phase with confidence and agility.

Secure Sponsorship

Inform managers early, clarify decision rights, and ensure you have visible backing. Silent support isn't enough—make it explicit.

Involve Your Team

Create a multiplier effect through shared learning. When the team is engaged, knowledge spreads and commitment deepens.

Seek Feedback Proactively

Use BOOST or Sandwich techniques as appropriate. Regular feedback loops prevent drift and surface issues early.

Iterate in Small Steps

Follow the cycle: hypothesis → test → learn → adapt. Small experiments reduce risk and accelerate learning.

Pitfalls to Avoid

• Scope Too Large: Biting off more than you can deliver in 4–6 weeks leads to frustration and incomplete results

• Missing Metrics: Without clear indicators, you can't demonstrate impact or learn what worked

• Silent Resistance: Ignoring stakeholder concerns allows opposition to grow unchecked

Countermeasures

• Sharpen Focus: Ruthlessly narrow scope until the project feels manageable and achievable

• Define 2–3 Metrics: Establish baseline measurements at the start so you can track change

• Early Stakeholder Conversations: Address concerns head-on before they become blockers

Ready-to-Go Checklist

Before you dive into the practice phase, ensure you've ticked these boxes:

Topic & SMART Goal Defined

Your project focus is crystal clear and your goal meets all SMART criteria

Stakeholders Identified & Informed

You know who matters and they know what you're doing

Actions/Experiments Planned

You've outlined 3–5 small actions or one larger experiment to test

Metrics Set with Baseline

You've defined 2–3 indicators and captured starting data (if possible)

Dates Fixed & Templates Received

Your 1:1 coaching and group check-ins are scheduled; you have templates for brief, log, and presentation

Phase 3 Session: Presentation & Reflection

Date: xx.xx.xxxx

Format

• 10-minute project presentations with Q&A

• Peer exchange and dialogue

• Collective lessons learned session

What to Bring

• One-page brief report summarising your project

• Progress log highlights showing key moments

• Before/after evidence demonstrating impact

• Optional: presentation slides with photos, diagrams, or visuals

This is your opportunity to celebrate progress, share insights, and learn from the experiences of your peers. Come prepared to inspire and be inspired.

Sum up and outlook

Take-home-messages

1. Scan the QR-Code on this slide with your smartphone 📷
2. Question: "What are your top 2 take-home-messages from this course?”✍️
3. Enter 1–3 words that come to your mind spontaneously
4. The answers will appear live as a word cloud 🌥️

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https://www.mentimeter.com/app/presentation/alq7jwxihs4p3vkqt8k7e61pw859jjz9/edit?question=gpfurcswesxr

Take-home-messages

1. Scan the QR-Code on this slide with your smartphone 📷
2. Question:"On a scale from 1 to 5, how willing are you to make changes in your professional /personal life?”

(1 = Not at all willing, 5 = Very willing)

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https://www.mentimeter.com/app/presentation/alq7jwxihs4p3vkqt8k7e61pw859jjz9/edit?question=gpfurcswesxr

Thank you for your attention!