We love nothing more than to see you thrive. You, your company as well as your people benefit from sound financial planning and modern employment conditions.
BECAUSE YOU WANT
TO DO BUSINESS
PROSPERITY THROUGH EMPLOYMENT CONDITIONS AND FINANCIAL PLANNING
Employment conditions: prosperity for your employees
Treating your employees well. To show that you do more than just pay a net monthly salary. A proper employment conditions package will attract and retain talent.
We will advise you on the possibilities, taking into account your wishes as an employer and regularly inform you about new developments or legislation. In addition, we support you in processing changes in the workforce.
Pension communication to your employees: we explain the scheme to your employees with the help of a presentation, workshop or personal meeting. In plain language. After this, they can use mijnpensioenoverzicht.nl and the pension administrator’s portal to manage their own affairs. That will make pension tangible! An added advantage is that these sessions allow you to implement your good employment practices.
Marlies Hensen
Consultant Employment conditions
Stef Griffioen
Consultant Employment conditions
Financial planning: prosperity for you
Everyone can work on wealth and financial leeway. Herenvest’s wealth and income planning enables you to anticipate future events and make use of (tax) benefits.
We map out your financial situation and then work towards your financial goals. In doing so, we take into account numerous financial risks and changes that may occur in your life or in your company.
Cees Kraakman
Financial planner and partner
PROSPERITY SPECIALISTS
As an entrepreneur, you may become incapacitated. This can also happen to one of your employees. There are several ways to mitigate the consequences.
For entrepreneurs
The government does not provide a benefit if you, as an entrepreneur, become incapacitated. You usually can’t afford to be absent for a long time because of illness. This will damage your business and endanger your private income. A disability insurance (AOV) offers you financial security if something happens to you that prevents you from working.
For business partners
It may also be wise to make financial arrangements with your business partner in the event that one of you becomes incapacitated. Because even then, disability insurance can offer financial room.
For your employees
After an employee has been ill for two years, you, as an employer, no longer have to pay a salary. He then applies for a WIA benefit from the UWV. This benefit is usually not sufficient. That is why an employment conditions package often includes a supplementary collective disability insurance.
If you or one of your employees dies, the government sometimes takes care of the income of the next of kin under the General Surviving Dependants Act (ANW). But often they don’t.
For entrepreneurs
If you die as an entrepreneur, this will have major financial consequences for your next of kin and your business. It is important to have a clear understanding of these financial consequences. A life insurance policy ensures that the financial consequences of death are cushioned for your life partner or family.
For business partners
The death of one of the co-entrepreneurs may directly endanger the survival of a business. In order to build in extra security, it is possible for business partners to take out life insurance on each other’s lives: partner cover.
For your employees
Because in many cases the ANW does not pay out, almost every collective pension scheme for employees includes a partner’s pension, an orphan’s pension and an ANW gap pension.
By means of the General Old Age Pensions Act (AOW), the government provides a basic retirement provision for all Dutch people. But additions to that are necessary.
For you as an entrepreneur
As an independent entrepreneur, you do not accrue pension. without making any further arrangements, you will only receive AOW from the age of retirement.
There are many possibilities to set up your pension provision. The aim of the various regulations is to ensure that the entrepreneur receives a retirement income. Before or after retirement age. The degree of pension security, the costs of the pension scheme, your assets and the legal and fiscal rules play an important role in the choice of a pension scheme.
For your employees
The same applies to a collective pension scheme for your employees. Do you want to give them plenty of financial security, or freedom of choice? Or do you opt for your own budgetability?
Hopefully, you will be able to build up a financial buffer with the growing success of your company. Both professionally and privately. How do you take good care of your money?
A thorough wealth planning takes into account your situation and objectives, and ensures the correct translation to your investment portfolio and financing solutions. This prevents unnecessary and undesirable risks.