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Such a plan can be a fine financial planning tool. It combines substantial tax benefits with many investment options, low costs and a flexible international pay-out.

As independent firm we have no ties with pension plan providers. Which means that we compare plans and providers in a highly critical and objective manner. 

We provide our services for all type of individual clients. From employees who do not have an occupational pension plan to entrepreneurs who will have to provide for themselves.

Besides talking care of the complete implementation of the new plan, we can also provide the periodical management of the plan. Which is efficient and unburdens our client.

As the Dutch Private Pension Plan is i.e. an investment account, it is relevant that the options we provide include a very extensive number of investment funds from which to choose from.

The first step is to establish your Personal Risk Profile. We use our own tailor-made 5 page form. It includes 32 questions and provides a clear indication of the profile of each client.

In the advisory process we provide extensive projections about the effect of premium payments. Plus a tailor-made calculator which you can use yourself for making projections with your own preferred return on investment.

One of the main benefits of the Dutch Private Pension Plan is that the annual premium can be (to a certain extent) tax deductible for the Dutch Income Tax and the Dutch Wealth Taxation in Box 3.

Clients often have difficulty calculating the tax max premium. Therefore it is included in our services that we calculate the amount of annual tax max deductible premium in Dutch Box 1 regarding the past, this year and future. 

Expats in The Netherlands prefer to use all tax benefits but often ask: What about pay-out when I might retire in another country? That is no problem. We see this all the time without problems.

Once you have the plan, there is no obligation to pay additional premium each year. If so desired, you do have the option the extra invest in future years. Perfect flexibility.

Contrary to Dutch Occupational Pensions, which have no pay-out flexibility, you have several pay-out options. Ranging from a pay-out during 5 years / 10 years / 20 years or lifelong.

The invested premiums create a final capital at retirement age. The pay-out of that capital is only possible as of retirement age. Not sooner as that would lead to high tax.

The pay-out as of retirement age has a minimum period of 5 years. A one-time Lump Sum or a Flexi Draw Down like in the USA / UK / Australia is therefore not allowed.

We present our advice in a 14 page English Memorandum which includes quotes selection & comparison, extensive attention for investments, costs, risk coverage, pay-out and international aspects. Followed by a Zoom for questions.

In the Memorandum we include an oversight of the best providers who offer a Dutch Private Pension Plan. Which looks into aspects as capital projections, cost levels, next of kin coverage and choice for fund selection.

One of the essential differences with Occupational Pension Plans is the risk coverage of the Dutch Private Pension Plan. It is not based on a substantial guaranteed lifelong amount but investment based and thus much more modest.

If you do not have the excellent guaranteed workplace next of kin coverage and if the additional investment based next of kin coverage of the private plan is not sufficient, we can provide advice for additional coverage.

One of the most relevant issues is how to max the tax benefits while at the same time creating the required financial flexibility.

If you have international pension claims, make sure that you know how a DPPP fits in and during which time of the pay-out phase.

Some clients have an employer who prefers to directly pay themselves into the Dutch Private Pension Plan of the employee. This is possible.

As Expats often find the Dutch Private Pension Plan not so transparant, we will gladly give 12 tips in a YouTube video. The details you can see in this link.

As an example often provides the best direct insight in the effect of the DPPP, we have included a case about a client age 30. The details you can see in this link.

As an example often provides the best direct insight in the effect of the DPPP, we have included a case about a client age 45. The details you can see in this link.

We are not one of the big firms. We know our clients personally and value their trust. As their long-term trusted advisor, we are highly protective of their interests. Thus we offer extensive aftercare and respond within one day to questions.

We highly value our client’s reviews. We are grateful to have so many very kind clients. In the reviews often mentioned are ‘personal attention, attention to detail, service and impartial’.  A great inspiration to always try to improve our services.