Then don't bother with an agent, because you will certainly be doing something illegal, dodgy and fraud. Don't talk BS that you "are keeping your conscience clean" when you are bribing immigration officers via bribes paid to an agent. What a load of BS you wrote about keeping your conscience being kept clean when you clearly know bribes will be involved.
If you're not looking to do anything illegal, you won't be renewing your retirement visa as you were below the 800k and the only way to fix this is via bribes. So your option is to leave the country and get an alternative visa.