Pension plan

Thoughtful decisions about your pension and retirement income

Peace of mind and direction in decisions about your pension

Are you saving enough for retirement? Is there a gap in your pension? Could you stop working earlier? And would your loved ones be properly provided for if something happened to you? A pension plan gives you a clear overview and a sense of direction, so you can make informed choices. Not to close off your options, but so you know exactly where you stand.

Two routes within pension plan

Depending on your question, you can choose a full pension plan or a focused annuity decision.

  • Pension plan with full insight: your future financial position in one joined-up picture.
  • Focused annuity decision: one specific pension question, answered carefully.

1. Pension plan with full insight

For anyone who wants to look at their pension alongside their work, wealth and plans for the future. We bring together:

  • the pension you've built up: the Dutch state pension (AOW) and your workplace pension;
  • your personal and business assets, such as savings, investments and private pensions (lijfrentes);
  • your goals, such as retiring early, the lifestyle you want or leaving an inheritance;
  • income scenarios, including windfalls and setbacks;
  • your choices around saving, investing and topping up your pension – for example by using your annual tax-deductible allowance (jaarruimte) through a private pension account (lijfrenterekening).

 The outcome is a strategic framework.

 

You'll see which choices make sense, where the risks lie and where you may need to change course. It stays useful even when the rules or your circumstances change.

Would you like to top up your pension? We'll help you choose and open a suitable private pension account, and take any existing lijfrentes into account.

How it works

 

Your plan is an anchor, not a straitjacket. Our approach is personal, practical and independent, and we don't receive commission from anyone.

  1. Introductory meeting. We talk through your question and your circumstances, and agree which fee applies to you.
  2. Proposal and agreement. We send you a proposal. Once you're happy with it, you sign the agreement online.
  3. Your information. You share your details and documents online, step by step. We only ask for what's relevant to you.
  4. First meeting. We discuss where you are now, and your hopes, wishes and plans for the future.
  5. Analysis and plan. We bring everything together and prepare your pension plan.
  6. Advice meeting. We take you through your plan and agree your next steps.
  7. Putting it into practice, if you wish. We help you open a suitable private pension account.

Netherlands only

€2,400 (incl. VAT)

For anyone whose pension, income and assets are all in the Netherlands.

  • A review of your pension, assets and income
  • Clarity on any pension gap and your annual allowance
  • Income scenarios for retirement
  • Clear recommendations with a written summary
  • Help with a private pension account, if you wish

Peace of mind through clarity: you know what you'll have to live on and which choices suit you.

International

€3,000 (incl. VAT)

For anyone who also has a pension, income or assets outside the Netherlands.

  • Everything in the "Netherlands only" plan
  • Overseas pensions and benefits mapped out
  • How your Dutch and overseas pensions
    fit together
  • Scenarios for moving abroad or returning home
  • Liaison with specialists from our network

Peace of mind across borders: you know what you'll have to live on and which choices suit you.

2. Focused annuity decision – €700 (incl. VAT)

For anyone who needs one clear answer rather than a full overview. For example: how much annual allowance (jaarruimte) or carry-forward allowance (reserveringsruimte) do I have? Is topping up my pension through a lijfrente sensible right now? And how do I set it up correctly for tax purposes?

  • A calculation of your annual and carry-forward allowance
  • An explanation of your tax options and what they mean for you
  • Clear advice on whether or not to pay in
  • Opening a suitable private pension account

This is a focused decision, not a full pension plan. If you open your private pension account through us, our Lijfrente service package starts afterwards.

“I recently had a meeting with Your Financials. Understandably, my situation is quite complex, but they were able to answer all of my questions and clearly explain the reasoning behind their advice. They took a genuine interest in understanding my specific circumstances and needs, and guided me step by step through how the tax and pension system works. Many thanks for your support and guidance!”

 We'd be glad to help you make strategic decisions with a pension plan.

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