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Not sure your Dutch pension will be enough?
We map your AOW (the state pension), employer pension and private assets and show you what you can do. Our associated company, a separate licensed advice firm, then advises on the pension itself. Arrived here or holding pension abroad? We map the full picture.
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20,000+
clients since 2018
EN · NL
English and Dutch
The pension gap
A pension gap is the difference between the pension you will have and the income you will need. In the Netherlands your pension comes from three layers: the state AOW, a pension through an employer, and what you build yourself. Arranging the pension is part of the plan. We take on the tax that follows.
A gap is common. You build AOW only for the years you live or work here, so arriving mid-career leaves you with less. As a freelancer you build no pension through an employer at all. And pension you built abroad does not always carry over.
We map all three layers for your situation. Then we show the tax-friendly ways to close the gap and line it up with your tax and your mortgage. So you know where you stand. If you hold pension abroad, we check the treaty so it is not taxed twice. Running your own BV brings different options, so ask us about those too. If you have the 30% ruling, check which salary your pension is based on.
How this fits your wider pension plan is on our page about pension advice.
Your pension gap?
Book your free call. We map your situation and show what fits. You decide if it's a fit. You're not committing to anything.
What's included
A dedicated advisor
A free first call of 20 minutes
Where to start
Three reasons people come to us about a pension gap.
No employer means no pension built for you. You arrange it yourself, with advice included.
Talk this throughPension abroadPension built abroad does not always carry over cleanly. We help you see the whole picture.
Talk this throughWe listen and look at your AOW, your pension and your plans. No cost, no obligation.
We explain the tax-friendly ways to close the gap and how they fit your tax and mortgage. The free call gives the outline, the paid advice gives the full map.
You get the fixed price and the proposal in writing first.
Pricing
This advice has its own fee, stated in your quote, not on this page.
A bank or insurer often points you to their own pension product. We look at your full situation first. Then you get advice on what fits. No product to push.
How the two advisors work together
TaxSavers looks after your tax. Pension advice runs alongside it, from one file.
Lukas · Rotterdam, freelance since 2019
I never built pension as a freelancer. They worked out my tax-free room and set up what fits, in line with my tax return. One conversation, not four.
Marco · Eindhoven, here since 2017
I arrived mid-career and had pension in two countries. They mapped both, showed my real gap and what I could do about it. Finally clear.
Leaving the Netherlands changes your AOW and your pension. We map what happens before you go.
Talk this throughFrom here our associated company takes over: they advise on the pension, arrange it and take it out with you.
Pension advice is provided by our associated company A&H Finance. AFM is the Dutch financial regulator and Kifid the Dutch financial-disputes body. They advise you, arrange the pension and invoice you. You receive their fee in writing before any work starts. They quote setting up a product separately. You agree to that first. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and charges nothing for the pension. TaxSavers receives no fee or commission for it 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. They are registered there and have accepted binding advice, so a Kifid ruling binds them.
Sofia & partner · Amsterdam
We were choosing between paying down the mortgage and building pension. TaxSavers mapped the tax side and we came away with a plan we understood.
“The point is not to sell you a product. It is to show you where you stand, so the advice that follows fits. Clearly, before you decide anything.”
Victor van Gilse
Tax advisor
Your advisor
You talk directly to one dedicated advisor who knows your full situation, your AOW, your pension and your plans. And one who picks up when you call.
Reviews
I was filing an income tax return with this company. Nice experience! Very clear communication on cost and straightforward process to submit necessary documents.
Top level service and excellent communication. I was in contact with Nadya and she responded always fast and in detail to my lengthy question. Would totally recommend working with TaxSavers.
We were helped enormously well with our tax return after buying a house, clear communication, perfect service!
