Read more…<\/a><\/p>\n[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”Financial plan” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”30px||30px||true|false” global_colors_info=”{}”][et_pb_row make_equal=”on” module_id=”down” _builder_version=”4.19.0″ _module_preset=”default” animation_style=”fade” animation_duration=”1500ms” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.0″ _module_preset=”default” background_enable_color=”off” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#6C6B69″ text_font_size=”16px” text_line_height=”1.8em” header_2_text_color=”#15828A” global_colors_info=”{}”]<\/p>\n
Financial plan<\/h2>\n A financial plan gives you the steps how to achieve your goal, brings peace of mind and gives you a carefree, free feeling.<\/p>\n
We start with the now, hear from you where you want to go and map your possibilities of how to achieve it. The action plan will clarify what you can do.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”30px||30px||true|false” animation_style=”slide” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFE39D” global_colors_info=”{}”][et_pb_image src=”https:\/\/yourfinancials.nl\/wp-content\/uploads\/2022\/11\/pexels-s-migaj-746386.jpg” alt=”Vermogensopbouw” title_text=”Vermogensopbouw” _builder_version=”4.27.5″ _module_preset=”default” positioning=”relative” vertical_offset=”40px” horizontal_offset=”-40px” vertical_offset_tablet=”-40px” vertical_offset_phone=”-40px” vertical_offset_last_edited=”on|tablet” box_shadow_style=”preset1″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15828A” custom_padding=”15px|30px||30px|false|true” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.19.1″ _module_preset=”default” background_layout=”dark” custom_padding=”35px|50px|35px|50px|true|true” global_colors_info=”{}”]When on your way to your goals, you can always ask us to look along with you, to think along and to help take the next steps more easily.
Growing your wealth<\/h2>\n We work 100% independent with a number of excellent asset managers. We have carefully selected these for different preferences, approaches and situations.<\/p>\n
No one size fits all solution, but tailored to you. They focus on the return that needs to be made and your choice of risk is closely monitored and retained in the event of changes.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”30px||30px||true|false” animation_style=”slide” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFE39D” global_colors_info=”{}”][et_pb_image src=”https:\/\/yourfinancials.nl\/wp-content\/uploads\/2025\/02\/Golfer-3-bij-2-scaled.jpg” alt=”Vergoedingen” title_text=”Golfer 3 bij 2″ _builder_version=”4.27.5″ _module_preset=”default” positioning=”relative” vertical_offset=”40px” horizontal_offset=”-40px” vertical_offset_tablet=”-40px” vertical_offset_phone=”-40px” vertical_offset_last_edited=”on|tablet” box_shadow_style=”preset1″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15828A” custom_padding=”15px|30px||30px|false|true” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.19.1″ _module_preset=”default” background_layout=”dark” custom_padding=”20px|20px||20px|false|true” global_colors_info=”{}”]We remain your go-to place and arrange everything that needs to be done with your investment account(s). We adjust your risk profile for you if that is wise and adjust your investments if your situation requires it.<\/p>\n
Not a bet, no finfluencer recommendation but thoughtful, proven reliable and relevant action for your money.
Retirement planning<\/h2>\n Many people in the Netherlands believe that they will receive about 70% of their current income after retirement. However, this is almost never the case. Do you know exactly what you will receive when you retire? Is it sufficient, or do you need to take measures now while you still can?<\/p>\n
A pension advice will give you clear insight!<\/strong><\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”30px||30px||true|false” animation_style=”slide” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFE39D” global_colors_info=”{}”][et_pb_image src=”https:\/\/yourfinancials.nl\/wp-content\/uploads\/2026\/02\/Pensioen_edited-kopie-scaled.jpg” alt=”pensioenadvies” title_text=”Pensioen_edited – kopie” _builder_version=”4.27.5″ _module_preset=”default” positioning=”relative” vertical_offset=”40px” horizontal_offset=”-40px” vertical_offset_tablet=”-40px” vertical_offset_phone=”-40px” vertical_offset_last_edited=”on|tablet” box_shadow_style=”preset1″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15828A” custom_padding=”15px|30px||30px|false|true” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” background_layout=”dark” global_colors_info=”{}”]The pension system in the Netherlands<\/strong><\/p>\nThe pension system in the Netherlands is based on three pillars:<\/p>\n
\nAOW (State Pension): Provided by the government, with the start date adjusted according to life expectancy.<\/li>\n Pension from Current and\/or Previous Employers.<\/li>\n Private Provisions: Such as annuity capital that you have built up yourself.<\/li>\n<\/ul>\nOften, your own home, savings, and investments are referred to as the fourth pillar.<\/p>\n
These provisions are always included in the pension advice provided by your financial planner at Your Financials.
Our approach<\/h2>\n We then agree on our assignment, what result we are working towards and what compensation we ask for this.<\/p>\n
Then we get to work on the content. We try to get to know you well without asking unnecessary questions or asking for unnecessary supporting documents. We give an estimate of the time we need and keep you informed of progress. We develop the advice with actions and solution options.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”30px||30px||true|false” animation_style=”slide” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFE39D” global_colors_info=”{}”][et_pb_image src=”https:\/\/yourfinancials.nl\/wp-content\/uploads\/2025\/02\/JH79873-_\u00a9Job-Hendriks-scaled.jpg” alt=”Hoe doen we het – Jan” title_text=”_JH79873 _\u00a9Job Hendriks” _builder_version=”4.27.4″ _module_preset=”default” positioning=”relative” vertical_offset=”40px” horizontal_offset=”-35px” vertical_offset_tablet=”-35px” vertical_offset_phone=”-20px” vertical_offset_last_edited=”on|phone” horizontal_offset_tablet=”-35px” horizontal_offset_phone=”-22px” horizontal_offset_last_edited=”on|tablet” box_shadow_style=”preset1″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15828A” custom_padding=”15px|30px||30px|false|true” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.19.1″ _module_preset=”default” background_layout=”dark” custom_padding=”20px|25px||25px|false|true” global_colors_info=”{}”]<\/p>\n
Next steps<\/h4>\n Do you want us to implement the solution as well? That is excellent of course! We are dealing with an independent regulator that sets requirements for the way in which we have to perform some services.<\/p>\n
That is why we make additional agreements and then immediately get to work to arrange what needs to be done.
Fees<\/h2>\n Affordability is our starting point. We demonstrate this by comparing our services with those of other providers in the market. In principle, our wealth advisory fee is based on the number of hours estimated in advance, multiplied by our hourly rate. Exceptions may apply, in which case a customized agreement is made beforehand<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”3_5,2_5″ make_equal=”on” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”30px||30px||true|false” animation_style=”slide” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15828A” custom_padding=”15px|30px||30px|false|true” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.23.1″ _module_preset=”default” background_layout=”dark” custom_padding=”15px||15px||true|true” global_colors_info=”{}”]<\/p>\n
\n\nWe work with fixed prices per product, so you know exactly what to expect upfront.<\/div>\n<\/li>\n
\nFinancial advice is not cheap, but good advice pays for itself quickly.<\/span><\/div>\n<\/li>\nIf our services have a business character, the company can treat our invoice as (tax deductible) operating expenses.<\/li>\n Brokerage fees paid to us for immediately paying annuity products are tax-deductible for individuals.\u00a0<\/span>We recommend that these costs be stated in the Dutch tax return form under “<\/span>\u00a0<\/span>Betaalde bedragen voor een lijfrente\u201d (amounts paid for an annuity) and, if applicable, add the fee to the premiums paid for the annuity.<\/span><\/li>\n<\/ul>\n[\/et_pb_text][et_pb_button button_url=”https:\/\/yourfinancials.nl\/en\/meet-us\/” button_text=”Get started” button_alignment=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_button=”on” button_border_radius=”18px” custom_margin=”||8px||false|false” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFE39D” global_colors_info=”{}”][et_pb_image src=”https:\/\/yourfinancials.nl\/wp-content\/uploads\/2022\/11\/Mario_JH73134_1920web_\u00a9Job-Hendriks.jpg” alt=”Mario – financieel adviseur Your Financials” title_text=”Mario – financieel adviseur Your Financials” _builder_version=”4.19.1″ _module_preset=”default” positioning=”relative” vertical_offset=”40px” horizontal_offset=”40px” vertical_offset_tablet=”40px” vertical_offset_phone=”17px” vertical_offset_last_edited=”on|phone” horizontal_offset_tablet=”40px” horizontal_offset_phone=”17px” horizontal_offset_last_edited=”on|phone” box_shadow_style=”preset1″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_image=”https:\/\/yourfinancials.nl\/wp-content\/uploads\/2022\/11\/pexels-s-migaj-746386.jpg” parallax=”on” custom_padding=”0px||0px||true|false” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#A3DADE” width=”100%” max_width=”100%” custom_padding=”0px||0px|0px|true|false” custom_padding_tablet=”0px||0px|0px|true|false” custom_padding_phone=”0px||0px|0px|true|false” filter_opacity=”88%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_cta title=”Your journey to the life you desire begins today.” button_url=”https:\/\/yourfinancials.nl\/en\/meet-us\/” button_text=”Let’s get you started” _builder_version=”4.27.4″ _module_preset=”default” header_text_align=”center” header_text_color=”#15828A” body_text_align=”center” body_text_color=”#15828A” body_font_size=”20px” background_enable_color=”off” custom_button=”on” button_text_color=”#15828A” button_bg_color=”#FFE39D” button_border_color=”#FFFFFF” button_border_radius=”18px” width=”100%” max_width=”36%” max_width_tablet=”36%” max_width_phone=”92%” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”|76px||||” custom_padding=”150px|1px|150px|1px|true|false” animation_style=”fade” global_colors_info=”{}”]<\/p>\n
Discover the possibilities with Your Financials as your trusted financial guide.<\/p>\n
[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"
We are not just advisors, but also your partner in achieving the best financial solutions.Our goal is to guide you towards financial security and peace of mind.Do you have a dream but aren’t sure if it’s financially possible?A financial plan can help.Read more…Want to take charge of your financial future?Looking to save for the long-term […]<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":20,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\r\n
Wij bemiddelen ook in de realisatie van financi\u00eble oplossingen op het gebied van hypotheek, vermogen, pensioen- en levensverzekeringen. Het is niet het specialisme waarmee we begonnen maar omdat cli\u00ebnten vroegen de geadviseerde oplossingen ook \u201cte regelen\u201d is in de loop der jaren een actieve praktijk in oplossingen ontstaan.<\/p>\r\n\r\n\r\n\r\n
Voor hypotheken<\/em><\/i> hebben we mogelijkheden om met de gehele markt zaken te doen. Dus als je niet weg moet bij je huidige bank hoeft dat ook niet. Maar we hebben bewust gekozen voor directe samenwerking met partijen waar wij in geloven. Waar we met een specifieke situatie kunnen aankomen en niet meteen een standaardoplossing meekrijgen. Waar wat ze vandaag beloven, veel later blijven waarmaken. Met excellent klantbeleid en tools die daarbij horen.Op het gebied van vermogen<\/i> kennen we de gevestigde orde natuurlijk ook. Hier zien we dat onze holistische benadering vanuit de klant en diens plan de ene keer leidt tot een oplossing waar we de laagste kosten opzoeken voor een gemiddeld risico en rendement, en de andere keren een product aanbevelen en regelen met meer focus. Ook hier kiezen we voor partijen met een prima stamboom, met een flinke marktaanwezigheid en waarbij het management meebelegt in jouw oplossing. Zodat als jij een keer financieel pijn lijdt (in het verleden behaalde resultaten\u2026) zij dat ook voelen en dus hard willen werken op hun eigen situatie te verbeteren.<\/p>\r\n\r\n\r\n\r\n
De aanpak bij hypotheken en vermogen volgen we (op dit punt vinden we het een goede zaak voorspelbaar te zijn) ook bij pensioen- en levensverzekeringen<\/i>. Het gaat hier om producten met de grootst mogelijke voorspelbaarheid. Als je ze nodig hebt moeten ze er zijn. Dus doen we vooral zaken met bekende, in Nederland gevestigde en actieve, partijen met een uitmuntende staat van dienst gedurende decennia. Maar ook hier zijn we niet blind voor innovatieve producten die in bepaalde situaties echt wat extra\u2019s kunnen brengen. Bijvoorbeeld door betere voorwaarden.Wij zijn in het algemeen geen voorstander van financi\u00eble dienstverlening op basis van \u201cexecution only\u201d. Hoewel de spreekwoordelijke uitzondering de regel bevestigt heeft de gemiddelde consument gewoon niet genoeg begrip van financi\u00eble producten en hoe de kleine lettertjes in de voorwaarden je af en toe behoorlijk dwars kunnen zitten bij een life event. Goed advies betaalt zich terug en hoewel de kans op een door jou gemaakte fout klein is, is het gevolg altijd groot.<\/p>\r\n","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-2464","page","type-page","status-publish","hentry"],"yoast_head":"\n
Services - Your Financials<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/yourfinancials.nl\/en\/services\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Services - Your Financials\" \/>\n<meta property=\"og:description\" content=\"We are not just advisors, but also your partner in achieving the best financial solutions.Our goal is to guide you towards financial security and peace of mind.Do you have a dream but aren't sure if it's financially possible?A financial plan can help.Read more...Want to take charge of your financial future?Looking to save for the long-term […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/yourfinancials.nl\/en\/services\/\" \/>\n<meta property=\"og:site_name\" content=\"Your Financials\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-24T15:58:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/yourfinancials.nl\/wp-content\/uploads\/2020\/12\/cropped-Your-Financials-beeldmerk-512.png\" \/>\n\t<meta property=\"og:image:width\" content=\"512\" \/>\n\t<meta property=\"og:image:height\" content=\"512\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/yourfinancials.nl\\\/en\\\/services\\\/\",\"url\":\"https:\\\/\\\/yourfinancials.nl\\\/en\\\/services\\\/\",\"name\":\"Services - 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