Do you ever wonder how it's done: building up assets? For a big trip, retiring early or an extra retirement pot? And who do you ask, someone you know, the bank or an online wealth manager?
With all those questions, and for the solutions, you can come to us. Accessible and expert, for information, advice and implementation. We are there for you; the person starting out in wealth accumulation, the entrepreneur who wants to safeguard capital and pensions, and the family with an eye to the future. And for anyone who wants to set money aside because it is convenient, necessary or sensible.
We explain how it works, what it costs and what it delivers. We make sure it's cost-effective, give independent advice and, as a financial planner, we make sure it really suits you. And we've been doing it for a while, with a high score on advieskeuze.nl.
Find out how we grow your wealth and make your dreams come true.
How do we do that?
Saving or investing can be done in an awful lot of different ways, and if you search, the most amazing options can be found. But what is not told there is what consequences all choices have. Are there limitations to tax-smart solutions or are there risks that no one tells you about? And above all, does it suit you?
To help you see the forest for the trees, we always distinguish between saving and investing and whether you do so with a tax benefit. That tax advantage is important, because you get a better return, but you also get less freedom in the way of withdrawal.
Taxation
Taxation is very important when saving and investing. Because the tax can take a big chunk out of your return in Box 3. But there are also advantages, such as deductibility of an annuity premium.
We understand how different options play out and whether they are important to you. That's why with us, you get advice first and then a solution.
Savings
Savings
Saving offers financial security, accessibility and a sense of control over personal finances.
However, saving has advantages as well as disadvantages, with return and taxation as central aspects. On the one hand, saving offers the opportunity to generate interest or returns on your savings balance, allowing your wealth to grow. On the other hand, the return is usually affected by current interest rates and inflation, which affects the final profit. In addition, tax factors play an important role in savings strategies, where taxes can both benefit and limit returns.
It is essential to understand and consider these aspects when developing an effective savings and financial strategy.
Joan Beek, director, partner, consultant
Investing
Investing
Investing is a dynamic world where financial growth and opportunity come together with risk.
It offers the opportunity to earn returns by investing in stocks, bonds, real estate and other assets that reduce risk.
The potential for higher returns than saving is an attractive aspect, which is why investing is often considered a powerful way to build wealth. However, investing also carries risks, such as price fluctuations and loss of capital. In addition, tax factors play a crucial role in final gains, with tax benefits but also potential tax liabilities.
Understanding returns, risk and taxation is essential to making informed investment decisions.
Martin Dubèl, partner, consultant
Fiscally beneficial
Fiscally beneficial
Tax-friendly saving and investing are financial strategies that use special tax breaks to promote wealth growth. The main advantage is that these approaches can result in tax savings, such as deductions or tax-free returns for deferred taxes. All this should result in higher net income and accelerated wealth accumulation.
However, this will entail limitations, such as less access to the capital saved or invested over a period of time. In addition, tax regulations vary from country to country and are subject to change over time, making it important to stay abreast of applicable tax laws and regulations.
A considered approach is required to maximize the benefits of tax-friendly savings and investments and limit the drawbacks .
Milou van der Loo, office manager
We have been around for a while and, above all, we want to be the best partner for financial matters you could wish for. With clear advice and execution in cooperation with the best brands in the market. Always looking for better solutions and the best service. That's why we were voted winner of the Advice Award in 2023.