We interviewed colleague and pension advisor Danielle. In this interview, Danielle talks about the need to accrue a pension, changes around retirement and what we can do for you. Read the entire interview with Danielle below.
Danielle: “That's right, and that's not surprising, after all, retirement is a complicated matter. I often hear the following issues:
These are the most frequently asked questions but of course we help everyone with every question, no question is too crazy for us”.
Danielle: “DGA takes a financial photo for each customer. This can be done via the DigiD app, making it even easier for the customer. Everything is uploaded to our system in just a few clicks so that we can get started right away.
We will then contact the customer and go through everything. If the customer opts for an investment solution, we will contact you every year to see if adjustments need to be made. The pension is therefore fully monitored so that the customer is not surprised by the end date.
In addition, we not only look at the pension, but also immediately take into account the situation in the event of death and disability. And if the customer has a partner, the partner also gets immediate insight into their pension situation.
We are independent, so we can get the best product out of the market for the customer from a large number of parties”.
“Pension advice provides insight into what pensions are available, what the options are and what may still need to be built up. It gives you peace of mind if you know where you stand financially and where you stand. If you accrue pension via an annuity account, you will receive part of this deposit back via income tax, so this provides financial benefits,” says Danielle.
If you start retiring on time, your investment can pay off longer and you will have to invest relatively less yourself than if you start saving/investing at a later date.
Since 2023, the space that can be invested in an annuity has been increased (and thus the amount that can be deducted from income for tax purposes). In addition, you were previously only allowed to count back 7 years for your catch-up space, which has now become 10 years. Especially for people who had an income above €73,032 in 2023, this is fiscally interesting. In addition, it has been possible for a number of years to have pensions accrued with the employer commence a maximum of 10 years earlier, so that many people can retire even earlier.
Daniëlle explains: “Over the years, a lot has changed in the pension and annuity rules, making it impossible for most people to see what is and isn't possible now. It often appears in a conversation that even more is possible than most people initially thought.
With us, the customer gets full insight into the situation in a face to face conversation and afterwards in a report. This report simply states what the net income is after retirement date and what it consists of”.
Are you curious about your pension and would you like an informal conversation with Danielle or one of our other advisors? Get in touch with us!
