As summer holidays fade into warm memories, July is a natural moment to shift gears — from relaxation to reflection. For many, the break offered time to step back and think about life plans, including financial goals: buying a home, building long-term wealth, ensuring...

In many households, one partner takes the lead in managing day-to-day finances—paying the bills, handling taxes, overseeing investments or pensions. That arrangement works fine, until it suddenly doesn’t. We often meet surviving partners—intelligent, capable...

In recent months, investor markets have faced uncertainty on multiple fronts. From geopolitical tensions to economic shifts, it remains unclear when this turbulence will ease. As history has shown, uncertainty fuels market price volatility. While professional...

Financial markets have recently delivered two excellent years, encouraging many to start their investment journeys. New investors, inspired by personal dreams, financial goals, or even Fear of Missing Out (FOMO), often join conversations at the office coffee machine...

In November, the annual "Pensioen3Daagse" campaign by Wijzer in Geldzaken reminds everyone working in the Netherlands to take stock of their retirement savings. This year's focus highlighted a concerning disparity: the gender pension gap. Research reveals that women...

In June 2024, the Supreme Court issued several rulings on the way in which income from capital (box 3) is currently calculated. According to the ruling, the calculation violates the European Convention on Human Rights and only the real return on your assets may be...

Recently, the Dutch Supreme Court invalidated a wealth tax bill that aimed to create a fairer system for taxing wealth. This decision has significant implications for financial planning, particularly for internationals living and working in the Netherlands. Background...

Our client had a simple plan to finance the purchase of a beautiful, luxurious holiday home on the waterfront of one of our country's famous lakes. In addition to using savings and part of their investments, repayments had created space between the mortgage...

Your mortgage is one of the longest financial commitments you make. 30 years in most cases. Many people plan to make that obligation disappear completely by amortizing or repaying the loan. This is sometimes also "helped" by the disappearance of tax deductibility....

Striking last month were three different situations making sense to adjust the mortgage. Spaarhypotheek In two cases, it involved using the value in an interest rate sensitive insurance policy linked to the mortgage in order to reduce the debt. So-called...