Retirement Planning
Clear, confident financial planning for your retirement
Peace of mind and direction for your retirement decisions
Am I saving enough for later?
Do I have a pension shortfall?
Can I afford to stop working earlier?
Will my dependants be well provided for?
With a pension plan, we help you make well‑considered decisions about your retirement income. Not by fixing everything in advance, but by creating clarity and jointly determining what is sensible — now and in the years ahead.
We support individuals and business owners in the Netherlands who are looking for peace of mind, structure and direction when making decisions about pensions and future income.
Two routes within retirement planning
Pension questions differ greatly in scope and complexity. That’s why we offer two clearly defined routes within our pension planning service:
- Complete pension overview — an integrated view of your future financial position
- Targeted annuity decision — resolving one specific pension question with care
Which route is most suitable depends on your personal situation, the breadth of your question, and the level of guidance you want when making decisions.
1. Retirement plan with full insight
This route, a retirement plan provides a complete overview of your financial pension position and shows what your future income may realistically look like. It goes beyond Dutch arrangements alone: any pension you have built up abroad, or entitlements that may still be spread across different schemes, are also taken into account. This creates one coherent picture of what you have—and where there may be gaps.
- all accrued pension entitlements, including the State Pension (AOW), employer pensions, and any overseas pension schemes;
- private wealth and, where applicable, business assets, such as savings, investments and annuity policies;
- your personal goals and ambitions, such as retiring early, maintaining a desired lifestyle, or leaving wealth to the next generation;
- income scenarios for later life, including the impact of favourable and adverse developments;
- decisions around saving, investing and building additional pension capital, such as making use of annual tax allowances through an annuity account;
- where appropriate, the selection and implementation of a suitable annuity account, including for existing arrangements.
The outcome is not a snapshot, but a strategic framework. It gives you a clear understanding of which choices are appropriate for your situation, which risks require attention, and where adjustments may be needed. This allows you to make pension decisions with confidence—also as regulations change, your circumstances evolve, or your plans are refined.
Three levels
We work with three levels. Not because the quality differs, but because people differ in the level of support they want after completing the plan.
We apply the same pricing structure for both entrepreneurs and private individuals. The difference is not in the source of your income, but in the complexity of your financial position and the level of support you require.
Overview
€2.400 (incl. VAT)
Suitable for
You if you want a clear understanding of their current and future pension position and are comfortable continuing independently afterwards.
What’s included
- Analysis of pension, assets and income
- Overview of scenarios for future income
- Insight into what is possible — and what is prudent
- Clear conclusions and a concise summary
Peace of mind through clarity: you know where you stand and which direction makes sense.
Continuity
€3.600 (incl. VAT)
Suitable for
You if who want guidance alongside insight, particularly when changes or key pension decisions arise.
What’s included
- Everything included in Overview
- Ongoing guidance for 12 months
- Scheduled review moments
- Support with new pension‑related or life‑stage decisions
- No need for a new plan when adjustments are required
Peace of mind through stability: your pension strategy remains aligned as circumstances change.
Impact
€6.200 (incl. VAT)
Suitable for
You with more complex pension and asset situations and if you want help intensive guidance with important decisions.
What’s included
- Everything included in Continuity
- Proactive involvement for 24 months
- Strategic thinking ahead of major pension decisions
- Additional contact tailored to your situation
- Ongoing discussion and support at moments of doubt or choice
Peace of mind through partnership: you don’t have to carry pension decisions alone.
2. Targeted annuity decision
When is this route suitable?
This route is intended for those who don’t need a full pension overview, but want to answer one specific question carefully, such as:
- How much annual or unused allowance do I have?
- Is additional pension saving through an annuity sensible right now?
- How should I set up an annuity in a tax‑efficient way?
Cost
€495 (incl. VAT)
What’s included
- Calculation of annual and carry‑forward allowances
- Explanation and assessment of tax options
- Clear advice on whether to top up or not
- Opening of a suitable annuity account
This is a focused decision‑making process, not a full pension plan.
We use the same pricing structure for individuals and business owners. Differences arise from asset complexity and desired guidance, not income type.
Annuity service package (after set‑up)
If, following the annuity advice, you choose to open an annuity account through us, the annuity service package will start immediately afterwards.
"Ik heb onlangs een gesprek gehad bij Your Financials. Begrijpelijkerwijs is mijn situatie erg ingewikkeld, maar zij konden al mijn vragen beantwoorden en de onderbouwing achter hun advies duidelijk uitleggen. Zij toonden oprechte interesse om mijn exacte situatie en behoeften te begrijpen en hebben mij stap voor stap uitgelegd hoe het belasting- en pensioensysteem werkt. Hartelijk dank voor jullie begeleiding!"
We are happy to support you in making strategic decisions with a personal retirement plan.
