We interviewed our colleague and pension advisor Daniëlle. In this interview, Daniëlle talks about the importance of building up a pension, changes in the pension landscape, and what we can do for you.
Do you get a lot of questions from clients about pensions?
Daniëlle: "Yes, and that's not really surprising, pensions are complex. The questions I hear most often are:"
"These are the most frequently asked questions, but of course we help everyone with any question. No question is too much for us."
How does DGA work and what solutions can DGA offer?
Daniëlle: "DGA produces a complete financial picture for every client. This can be done through the DigiD app, which makes things even easier for the client. Everything is uploaded into our system within a few clicks, so we can get started straight away."
"We then contact the client and go through everything together. If the client opts for an investment-based solution, we get in touch each year to see whether any adjustments are needed. The pension is therefore fully monitored, so the client is not left with surprises at the end date."
A complete picture
In addition, we look not only at the pension but also at scenarios involving death and incapacity for work. And if the client has a partner, the partner also receives insight into their own pension situation.
"We are independent, so we can find the best product on the market"
Daniëlle Klompenhouwer, Pension Advisor at DGA
What does a client gain by engaging DGA?
"Pension advice gives you insight into what pension you have, what your options are and what you may still need to build up. It brings peace of mind when you know where you stand financially and what to expect. If you build up your pension through an annuity account, you can also get part of your contributions back via income tax, which is a financial benefit," says Daniëlle.
Why should you start on your pension in good time?
When you start your pension early, your contributions have more time to generate returns, and proportionally you have to set aside less yourself compared to starting to save or invest later.
Important
Since 2023, the amount that may be contributed to an annuity has been raised. In addition, you can now look back 10 years for catch-up contributions (previously 7 years). For those with an income above € 73,032 in particular, this is interesting from a tax point of view.
Why do people choose DGA?
Daniëlle explains: "Over the years, much has changed in the pension and annuity rules, making it hard for most people to keep track of what is and is not possible. Often, in a conversation it turns out that more is possible than people initially thought."
"With us, the client gets a complete picture of their situation in a face-to-face meeting and afterwards in a report. The report clearly sets out the net income from the retirement date onwards and what it is made up of."
Get in touch
Curious about your pension and would you like a no-obligation conversation with Daniëlle or one of our other advisors? Get in touch.