Pension and Disability

Pensions aren't something you should start thinking about just before you're going to retire.

The earlier you start, the less you have to invest monthly and the more you benefit. We can sit down with you and discuss when you would like to retire and how much money you would like to put aside.

We can advise on annuities, (group) pensions, special tax allowances, and risk coverage.

In our analyses, we take into account other assets, like your house and pension rights from previous employers.

Disability

The risk that you will not be able to work as a consequence of (partial) occupational disability is greater than you think. The financial consequences can be considerable without adequate financial coverage.

Therefore, it is imperative to think about whether your income really is sufficient if you're not able to work due to occupational disability. This income can consist of provisions by the authorities, arrangements with your employer, and by your personal insurance. Because of the economising of social insurance by the authorities, the responsibility for covering income risks for an important part now lies with you or your employer.

Entrepreneurs are especially financially vulnerable where occupational disability is concerned because they receive no government assistance.

We can bring your costs for disability insurance into the picture and advise the proper supplements needed above this. Often it is an obvious combination with your retirement provisions.