In addition to our other activities as financial planner, mortgage adviser and asset adviser, we are regularly involved with employers who change pension systems. Our role is in the first instance that we provide explanations. Individual pension advice is sometimes...

Often when employees are lose their job they receive a sum of money from their employer. In the Netherlands, until 31 December 2014 it was possible to use that sum to buy a claim on periodic benefits to replace lost income; the tax burden on the lump sum payment was...

Your Financials opposes Execution Only mortgages. These are mortgages where advice costs can be saved by shifting many of the responsibilities for verification to customers and artificial intelligence. We are not against it because our business model is under attack...

It is not a pleasant subject, but also a bit of elephant in the room because we all will face it. And (luckily for whom it happens!) usually unexpected. But at such a moment the surviving relatives are confronted with the harsh recognition of your financial past....

Someone asking this question has certainly taken the effort to listen to you. I often ask older young people or younger old people whether there is enough income to do the things they want. Of course I ask that question if I have doubts about it. In case I get the...

If there is a top 5 with "abstract financial concepts", I expect that for most Dutch people the pension will be in the top 2. Actually, that is no surprise, although it is by far the biggest frustration of us financial planners. The Dutch pension system has been...

The Dutch band De Dijk released the song "When she's not here" 25 years ago. The song added something fundamental to the concept of "relationship"for me, namely loss. Loss has many forms, I learned later. I would like to discuss financial loss. Sometimes you can see...

Until 2013, the client's advisor was paid by the mortgage provider from the interest paid by the client. Since then, the client pays a fee for the advice to the consultant. The purpose of this is to increase transparency about the costs of advice and about the costs...