Pension in two countries? Self-employed with no scheme? Starting later than planned?
Start with one free call with us. Then our associated company, a separate licensed advice firm, maps your full picture and gives advice that fits. Not a product.
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TaxSavers earns nothing on your pension
Pension advice
Pension advice starts with your full picture, not a product. The advice sets your AOW, employer scheme, own savings and the tax on them side by side. AOW is the Dutch state pension. You see what you already have and what a next step would change.
Arrived mid-career? Self-employed? Pension in more than one country? Then the pieces rarely fit on their own, and that is what the advice sorts out.
What our associated company does for you
They map all three layers and advise on the routes that fit. They arrange what you choose and review it each year.
What we do
We introduce you and stay alongside. We connect it to your mortgage, your income and your tax. And we show what changes for your tax if you leave or return to the Netherlands.
Curious how the Dutch tax office taxes your pension once it pays out? You can read that on our pension tax page.
Started later in the Netherlands? Each year living or working here adds 2% of a full AOW. Our pension gap guide shows the size of your AOW gap and the routes to close it.
Where to start
Three situations we see every week.
Without an employer scheme you build pension yourself. We work out that room. Our associated company advises on which routes suit you.
Learn moreWorking across bordersEach country counts and pays differently. The pension advice puts the pieces in one overview, so you know what to expect and when.
Ask your tax advisorLeaving NLEmigrating changes your AOW build-up and your pension options. Before you go, we show how your tax changes.
Ask your tax advisorYou tell us about your work, your plans and the pension you have so far. No cost, no commitment.
Tax room is what you can still put into your pension with a tax benefit. We show how to use it.
Our associated company sends a written proposal with the scope and the price. You decide whether it goes ahead.
From here our associated company takes over: they advise on the pension, arrange it and take it out with you.
“I map your tax situation and get you connected for the pension advice. Once all three layers sit side by side, choosing between the routes gets easier.”
Menno van der Made
Tax advisor
Your tax advisor
You talk directly to one dedicated tax advisor. He handles your tax and the hand-over for the pension. An advisor at our associated company gives the pension advice itself.
Pick a moment this week that suits you.
Message an English-speaking tax advisor.
Call +31 20 2170120 and ask about your pension.
Pricing
This advice comes with a fee, stated in your quote, not on this page.
Pension advice is provided by our associated company A&H Finance. They advise you, arrange the pension and invoice you. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid. Kifid is the Dutch complaints institute for financial services. They are registered there and have accepted binding advice, so a Kifid ruling binds them.
This advice has its own fee. TaxSavers charges nothing for the pension and receives no fee or commission for it.
With us, the conversation starts with your situation. A provider starts with the product it sells. The advice first maps your three pension layers and only then points to the route that fits.
Why together works
When pension advice connects to your tax and mortgage, the plan is stronger.
Roos · The Hague, freelance architect
Ten years self-employed and pension never made my list. In one session I saw all three layers. I also saw what I could still set aside this year and what that means for my tax return.
Tomasz · Amsterdam, here for 11 years
I had pension from two jobs in Germany and one employer here. They mapped all three and showed me the tax side. Finally a plan I understood.
Marta & partner · Utrecht
We are thinking about moving back to Spain in ten years. They showed us what changes for our pension and mortgage when we leave. And what we can already do now.
Reviews
Helped me immensely with the 30% ruling application, leading to a successful ruling! Thanks in particular to Menno.
Good, practical, and helpful guidance in terms of content. Thanks, Victor!
Dear Sir Madam.im a client of TaxSavers and im very happy of there service .very good service and job..
Frequently asked
The questions we hear most in a first call. Yours not here? Ask your tax advisor
Your pension picture
Book your free call. We go through your situation and introduce you to our associated company for the pension advice. You decide what happens next.
What's included
A dedicated tax advisor
A written fee from our associated company before work starts
Help in English or Dutch
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