WHAT DO WE DO FOR YOU AND YOUR FAMILY?
Know-how. Empathic. Concerned.
You can come to us for an independent, personal and relevant financial plan, tailored advice for your mortgage, pension, planning your assets and inheritance, what to do with a severance payment and how to deal financially with radical events such as disability, divorce and death.
Financial planning brings you peace of mind and a feeling of certainty. A financial planning of Your Financials starts with an analytical description of your current situation. It clarifies all aspects of your finances. Most important are your personal wishes and objectives. Think of wishing to buy a different home, make large expenses or work less. Things having a big influence on your finances and where an analysis of your personal situation gives "insight through overview".
Where do I stand when I retire?
Can I stop working earlier?
What income does my partner have after my death?
What income do I get if I become unfit for work?
The following is the advice on how to adjust your finances in such a way that your wishes can be realized as much as possible. We will also advise you to start or stop using certain financial products to reach your goals.
INDEPENDENT MORTGAGE ADVICE
Independent mortgage advice for your first home or just the last one? The demand for information and advice on the purchase of your first home will differ with the demand for information and advice when purchasing your third or last home. With independent mortgage advice from the financial planners at Your Financials, you are assured of appropriate advice tailored to your personal situation.
Who can you contact if you are looking for truly independent mortgage advice? Many banks and insurers will only offer you their own products and therefore by definition can not provide truly independent mortgage advice. The same applies to large insurers and internet mortgage lenders.
A low monthly payment or mortgage interest is of course important. But have you ever considered the following questions?
Is there a possibility to redeem early?
Do you pay a prepayment penalty if the property is sold?
Do you now receive a discount on the interest and are you penalized for interest rate extensions because you are not a new customer?
Can you raise the mortgage later without any costs?
How reliable is your lender?
Is a mortgage from a foreign money provider attractive for you?
What happens when you become incapacitated or lose your job?
Can your partner and / or children still live in the house if you die unexpectedly?
And there are many other points that determine the value of the advice you receive.
What is your income after 66? What is the disposable income of my partner after my death? Is my pension income protected against inflation? What consequences does stamping by my pension fund have for my personal situation? In a pension advice a financial planner of Your Financials will be able to answer the above questions for you.
Many people in the Netherlands think that after their retirement date they will receive approximately 70% of the current income. However, this is almost never the case. Do you know exactly what you will receive when you retire? Is this sufficient or do you have to take measures while it is still possible? A retirement advice gives you a clear insight!
The pension system in the Netherlands is based on a system of three pillars:
AOW, you receive from the government from 66 years and 4 months
Pension from your last employer or previous employers
Private facilities such as annuity capital that you have built up yourself
Often your own home, savings and investments are called 4th pillar. These provisions are therefore always included in the pension advice by the financial planners of Your Financials.
Capital building is an important part of your financial planning. For some, expanding assets is the most important goal, while for others the retention of assets is important. You therefore need expert advice on how you can plan your capital accumulation responsibly to achieve your wishes and objectives.
After we have mapped out your financial situation, we advise you on how best to plan your capital accumulation by limiting your risks and optimizing returns. A responsible capital accumulation always depends on the right balance between return and risk.
Then we help you make the right choice for the content. Your Financials will never manage your assets. We make a plan for your capital accumulation and, if you wish, we recommend an asset manager. We receive no commission for establishing this contact. If desired, we can advise on investment funds to be purchased (see investing). Of course you can also contact your own bank or asset manager. We are happy to be of service to compare the different proposals of banks and asset managers.
Live rich rather than to die rich is the expression. But some people die unexpectedly and sometimes too early and could not use what they were putting aside. Others' income is so high they simply cannot consume all. Another wants to pass on to the children. What do you want? Like many, you probably want your next of kin to pay as little tax as possible. But how can you best arrange this?
You should not only consider legal and tax consequences in the event of death when planning an estate, but you can also consider an analysis of your marital conditions or advice on how to make them.
Asking the questions properly is actually providing the solution. In an estate planning you can ensure that your assets are transferred to your next of kin in a structured manner, as you wish, (often the next generation). We make an inventory of your wishes and combine these with the possible solutions.
Our advisors have solid expertise to provide you with advice. We work together with expert estate planners and notaries so financial and tax knowledge is optimally combined with legal expertise.
When you receive a Golden Handshake (severance payment) from your employer after dismissal, the following question is often: what is best to do with it?
In many cases, when you are faced with dismissal, your income will fall drastically. If you do not find another job immediately, you will often be entitled to unemployment benefits. However, this source of income is lower than the income you were used to.
A financial overview helps: many people do not know how much they need to get to the same income level as when they were employed. How does this work for you? By making a financial plan you know how much you need now and how much you can use from your severance payment for later.
Which solution is best for you? The answer to this question is personal and highly dependent on your wishes.
Legislation has been amended since 2013, resulting in instruments used up to that point are no longer permitted. But those who have ever opted for a "stamrecht BV", golden handshake bank account and the like must someday take a next step. The advisors of Your Financials are happy to assist you with personal and independent advice.
When you become occupationally disabled as an employee, there are major consequences. Not only do you have to deal with a substantial loss of income, you also get extra healthcare costs. A lot depends on your personal situation. It is important to identify the risks so that you can see what happens when you unexpectedly become fully or partially disabled for work. Only after the risk assessment do you know whether you can continue to live in your house, for example.
Many employers have not arranged this (often because they do not know it themselves) for their employees. If your employer has arranged something collectively, it often turns out not to be sufficient.
But how high should such insurance be, and do you really need it? Where can you get the best offer, so that you are not stuck with an unnecessary "usury policy"? Your Financials supports you in charting your financial position in the event of disability and advises on the right solutions.
Comprehensible explanation of the consequences of disability
Independent analysis of your current and future financial position
Expert advice on the most suitable solution for your personal situation
If applicable, support in selecting characteristics for the most suitable insurance
We are happy to tell you more about occupational disability among employees.
Are you getting a divorce or are you considering one? Then let yourself be assisted by an expert financial planner. There are few events affecting your finances as much as a divorce. All legal and fiscal aspects come together at the same time and impact each other. At the time of divorce you have something else on your mind than this complexity.
There are various procedures you can follow to ensure that divorce runs smoothly. This depends on how well you can communicate with your former partner.
If you can communicate well with your ex-partner, you can divorce together through a lawyer or mediator. A lawyer or mediator looks at the legal settlement, covenants and possibly the parenting plan. Our financial planners look at the complete financial settlement. They are therefore regularly engaged by mediators and lawyers as experts in sub-areas or as a spider in the web for a total overview.
The financial planners of Your Financials are among other things engaged in the following questions:
Divorce and a second home
Divorce and a mortgage
Divorce and debt
Divorce and life insurance
Divorce and pension
What is the value of the company?
Which distribution must be used?
Who owns what?
FINANCIAL CONSEQUENCES OF DEATH
When you die this is an emotional event with major consequences for your relatives. Of course you do not want your relatives to be burdened with financial consequences as a result of your death.
Perhaps things like pension and funeral insurance have been arranged. But how is your partner really off when your (financial) contribution is lost?
It offers a lot of peace to know that you leave your loved ones cared for. The financial planners of Your Financials can chart the financial consequences in the event of death like no other. We will of course include the tax aspects and all provisions that you have taken out. If it appears that this does not meet your needs, we advise you on the steps you can take to continue living with peace of mind.
When to map?
When you own a home
When you are an entrepreneur
When you have children
When your partner does not work or works part-time
When you have a lot of assets
The financial planners of Your Financials can map the financial consequences in the event of death.