{"id":4608,"date":"2026-05-14T12:51:09","date_gmt":"2026-05-14T10:51:09","guid":{"rendered":"https:\/\/yourfinancials.nl\/?page_id=4608"},"modified":"2026-05-14T13:07:42","modified_gmt":"2026-05-14T11:07:42","slug":"retirementplan","status":"publish","type":"page","link":"https:\/\/yourfinancials.nl\/en\/retirementplan\/","title":{"rendered":"Retirementplan"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_0 et_pb_row et_block_row\">\n<div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_dark et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h1>Retirement Planning<\/h1>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_1 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_1 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><p><strong>Clear, confident financial planning for your retirement<\/strong><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_2 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_2 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2><strong>Peace of mind and direction for your retirement decisions<\/strong><\/h2>\n<\/div><\/div>\n\n<div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>Am I saving enough for later?<br \/>Do I have a pension shortfall?<br \/>Can I afford to stop working earlier?<br \/>Will my dependants be well provided for?<\/p>\n<p>With a pension plan, we help you make well\u2011considered decisions about your retirement income. Not by fixing everything in advance, but by creating clarity and jointly determining what is sensible \u2014 now and in the years ahead.<\/p>\n<p>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.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_3 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_3 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2><strong>Two routes within retirement planning<\/strong><\/h2>\n<\/div><\/div>\n\n<div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>Pension questions differ greatly in scope and complexity. That\u2019s why we offer two clearly defined routes within our pension planning service:<\/p>\n<ol>\n<li><strong>Complete pension overview<\/strong> \u2014 an integrated view of your future financial position<\/li>\n<li><strong>Targeted annuity decision<\/strong> \u2014 resolving one specific pension question with care<\/li>\n<\/ol>\n<p>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.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_2 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_4 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_4 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2 class=\"MsoNormal\"><b style=\"font-size: 28px; background: #ffffff;\">1. Retirement plan with full insight<\/b><\/h2>\n<\/div><\/div>\n\n<div class=\"et_pb_text_7 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>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\u2014and where there may be gaps.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_8 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>\u00a0<\/p>\n<div><strong>The plan brings together, among other things:<\/strong><\/div>\n<p>\u00a0<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_9 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>\u00a0<\/p>\n<div>\n<ul>\n<li>all accrued pension entitlements, including the State Pension (AOW), employer pensions, and any overseas pension schemes;<\/li>\n<li>private wealth and, where applicable, business assets, such as savings, investments and annuity policies;<\/li>\n<li>your personal goals and ambitions, such as retiring early, maintaining a desired lifestyle, or leaving wealth to the next generation;<\/li>\n<li>income scenarios for later life, including the impact of favourable and adverse developments;<\/li>\n<li>decisions around saving, investing and building additional pension capital, such as making use of annual tax allowances through an annuity account;<\/li>\n<li>where appropriate, the selection and implementation of a suitable annuity account, including for existing arrangements.<\/li>\n<\/ul>\n<p>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\u2014also as regulations change, your circumstances evolve, or your plans are refined.<\/p>\n<\/div>\n<\/div><\/div>\n\n<div class=\"et_pb_text_10 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p><strong>Three levels<\/strong><\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_11 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>&nbsp;<\/p>\n<div>\n<p>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.<\/p>\n<p>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.<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_3 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_5 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_5 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_12 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><h2><strong>Overview<\/strong><strong><\/strong><\/h2>\n<p><strong>\u20ac2.400 <\/strong>(incl. VAT)<\/p>\n<p><strong>Suitable for<\/strong><\/p>\n<p>You if you want a clear understanding of their current and future pension position and are comfortable continuing independently afterwards.<\/p>\n<p><strong>What\u2019s included<\/strong><\/p>\n<ul>\n<li>Analysis of pension, assets and income<\/li>\n<li>Overview of scenarios for future income<\/li>\n<li>Insight into what is possible \u2014 and what is prudent<\/li>\n<li>Clear conclusions and a concise summary<\/li>\n<\/ul>\n<p><em><strong>Peace of mind through clarity:<\/strong> <\/em>you know where you stand and which direction makes sense.<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_6 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_13 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><h2><strong>Continui<\/strong><strong>ty\u00a0\u00a0<\/strong><\/h2>\n<p><strong>\u20ac3.600<\/strong> (incl. VAT)<\/p>\n<p><strong>Suitable for<\/strong><\/p>\n<p>You if who want guidance alongside insight, particularly when changes or key pension decisions arise.<\/p>\n<p><strong>What\u2019s included<\/strong><\/p>\n<ul>\n<li>Everything included in <em>Overview<\/em><\/li>\n<li>Ongoing guidance for 12 months<\/li>\n<li>Scheduled review moments<\/li>\n<li>Support with new pension\u2011related or life\u2011stage decisions<\/li>\n<li>No need for a new plan when adjustments are required<\/li>\n<\/ul>\n<p><strong><em>Peace of mind through stability<\/em>:<\/strong> your pension strategy remains aligned as circumstances change.<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_7 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_8_24 et_flex_column_8_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_14 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><h2>Impact<\/h2>\n<p><strong>\u20ac6.200 <\/strong>(incl. VAT)<\/p>\n<p><strong>Suitable for<\/strong><\/p>\n<p>You with more complex pension and asset situations and if you want\u00a0 help intensive guidance with important decisions.<\/p>\n<p><strong>What\u2019s included<\/strong><\/p>\n<ul>\n<li>Everything included in <em>Continuity<\/em><\/li>\n<li>Proactive involvement for 24 months<\/li>\n<li>Strategic thinking ahead of major pension decisions<\/li>\n<li>Additional contact tailored to your situation<\/li>\n<li>Ongoing discussion and support at moments of doubt or choice<\/li>\n<\/ul>\n<p><em><strong>Peace of mind through partnership:<\/strong><\/em> you don\u2019t have to carry pension decisions alone.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_4 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_6 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_8 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_15 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2><strong>2. Targeted annuity decision<\/strong><\/h2>\n<\/div><\/div>\n\n<div class=\"et_pb_text_16 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p><strong>When is this route suitable?<\/strong><\/p>\n<p>This route is intended for those who don\u2019t need a full pension overview, but want to answer one specific question carefully, such as:<\/p>\n<ul>\n<li>How much annual or unused allowance do I have?<\/li>\n<li>Is additional pension saving through an annuity sensible right now?<\/li>\n<li>How should I set up an annuity in a tax\u2011efficient way?<\/li>\n<\/ul>\n<p><strong>Cost<\/strong><\/p>\n<p><strong>\u20ac495 (incl. VAT)<\/strong><\/p>\n<p><strong>What\u2019s included<\/strong><\/p>\n<ul>\n<li>Calculation of annual and carry\u2011forward allowances<\/li>\n<li>Explanation and assessment of tax options<\/li>\n<li>Clear advice on whether to top up or not<\/li>\n<li>Opening of a suitable annuity account<\/li>\n<\/ul>\n<p>This is a focused decision\u2011making process, not a full pension plan.<\/p>\n<p>We use the same pricing structure for individuals and business owners. Differences arise from asset complexity and desired guidance, not income type.<\/p>\n<p><strong>Annuity service package (after set\u2011up)<\/strong><\/p>\n<p>If, following the annuity advice, you choose to open an annuity account through us, the annuity service package will start immediately afterwards.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_5 et_pb_section et_section_regular et_flex_section\">\n<div class=\"et_pb_row_7 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_9 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_text_17 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p style=\"text-align: center;\">\"<strong><em>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!<\/em><\/strong>\"<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_6 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_8 et_pb_row et_block_row\">\n<div class=\"et_pb_column_10 et_pb_column et_pb_column_4_4 et-last-child et_grid_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_image_0 et_pb_image et_pb_image_sticky_phone et_animated et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/yourfinancials.nl\/wp-content\/uploads\/2025\/06\/Agnes-groen-202606_edited.jpg\" title=\"Agnes groen 202606_edited\" width=\"454\" height=\"455\" srcset=\"https:\/\/yourfinancials.nl\/wp-content\/uploads\/2025\/06\/Agnes-groen-202606_edited.jpg 454w, https:\/\/yourfinancials.nl\/wp-content\/uploads\/2025\/06\/Agnes-groen-202606_edited-400x401.jpg 400w, https:\/\/yourfinancials.nl\/wp-content\/uploads\/2025\/06\/Agnes-groen-202606_edited-150x150.jpg 150w\" sizes=\"(max-width: 454px) 100vw, 454px\" class=\"wp-image-3727\" \/><\/span><\/div>\n\n<div class=\"et_pb_text_18 et_pb_text et_pb_bg_layout_dark et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\" data-et-mv-hidden-phone=\"true\"><p>&nbsp;<\/p>\n<h2>We are happy to support you in making strategic decisions with a personal retirement plan.<\/h2>\n<p>\u00a0<\/p>\n<\/div>\n<div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_0_wrapper\"><a class=\"et_pb_button_0 et_pb_button et_pb_bg_layout_light et_animated et_pb_module et_block_module\" href=\"\">Get in Touch<\/a><\/div>\n<\/div>\n\n<div class=\"et_pb_image_1 et_pb_image et_pb_image_sticky_phone et_animated et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/yourfinancials.nl\/wp-content\/uploads\/2025\/06\/Mario-groen-202606_edited.jpg\" title=\"Mario groen 202606_edited\" width=\"455\" height=\"455\" srcset=\"https:\/\/yourfinancials.nl\/wp-content\/uploads\/2025\/06\/Mario-groen-202606_edited.jpg 455w, https:\/\/yourfinancials.nl\/wp-content\/uploads\/2025\/06\/Mario-groen-202606_edited-400x400.jpg 400w, https:\/\/yourfinancials.nl\/wp-content\/uploads\/2025\/06\/Mario-groen-202606_edited-150x150.jpg 150w\" sizes=\"(max-width: 455px) 100vw, 455px\" class=\"wp-image-3726\" \/><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_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-4608","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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