Insights

You came for a job, a relationship, a fresh start — and stayed. Now the Netherlands is home. But if your pension planning hasn’t kept pace with your life here, there may be a gap between the retirement income you expect and what will actually arrive. Here’s what that…

Recently, I spoke with a client about his parents. They have done well for themselves — years of hard work, sensible decisions, and a comfortable financial position. On the surface, everything seems in order. And yet, something doesn’t quite add up. His father is…

Many people assume their income after retirement will naturally be taken care of. State Pension provides a basis, and many employees accrue workplace pension benefits. Yet the number of people who build up little or no pension is growing. This includes self‑employed…

New Dutch Pension System: What It Means for Your Future Income Most employers in the Netherlands are currently transitioning to the new pension system (Wet toekomst pensioenen). While the new framework promises more transparency and flexibility, an important reality…

Every King’s Day, the vrijmarkt reveals something timeless about entrepreneurship. Children spread blankets across the streets, selling homemade bracelets, lemonade, old toys, and creative ideas. Some of them experience a crucial realisation: “I have it in me.” They…

Almost exactly a year ago we discussed managing emotions when markets are in turmoil. The source of the turmoil is different in nature but the effect for some is similar. Many have become uncertainty about the capital you have put aside in pensions and other…

I’m a long-distance runner. And if there’s one thing I’ve learned, it’s this: you don’t run a half marathon by simply putting on your shoes and setting off for 21 kilometers. Big goals require time, preparation and — above all — a lot of small steps. Whenever I start…

Gifting assets to children: a common family dilemma Many parents and grandparents we speak to at Your Financials face the same dilemma. You want to transfer wealth to your (grand)children during your lifetime to reduce inheritance tax, while avoiding a situation where…

Everything you need to know to make your pension choices with confidence The new pension system in The Netherlands is on its way, and it raises many questions. That’s completely understandable: your pension is one of the most important financial pillars in your life —…

The Dutch Authority for the Financial Markets (AFM) warns in its latest report that investment fraud is not only increasing but also becoming more sophisticated. Read the full AFM publication here. This trend underscores the need for vigilance among investors—both…