{"id":372,"date":"2023-03-27T18:50:09","date_gmt":"2023-03-27T18:50:09","guid":{"rendered":"https:\/\/personalfinanceplanners.be\/?page_id=372"},"modified":"2024-10-02T10:47:19","modified_gmt":"2024-10-02T10:47:19","slug":"nl-pensioenplanning","status":"publish","type":"page","link":"https:\/\/personalfinanceplanners.be\/index.php\/nl-pensioenplanning\/","title":{"rendered":"Pensioenplanning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"372\" class=\"elementor elementor-372\">\n\t\t\t\t<div class=\"elementor-element elementor-element-728d4b8b e-con-full e-flex e-con e-parent\" data-id=\"728d4b8b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9acbd3f e-con-full e-flex e-con e-child\" data-id=\"9acbd3f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-286a5ca9 elementor-widget elementor-widget-heading\" data-id=\"286a5ca9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/algemeen\/\">Onafhankelijk financieel planner, erkend door de FSMA<\/a><\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d63fc4b e-con-full e-flex e-con e-child\" data-id=\"5d63fc4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61af1620 e-con-full e-flex e-con e-child\" data-id=\"61af1620\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cd8856c elementor-widget elementor-widget-heading\" data-id=\"2cd8856c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-financiallifecoaching\/\">Financial life coaching<\/a><\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78214e56 e-con-full e-flex e-con e-parent\" data-id=\"78214e56\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;curve&quot;,&quot;shape_divider_bottom_negative&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M500,97C126.7,96.3,0.8,19.8,0,0v100l1000,0V1C1000,19.4,873.3,97.8,500,97z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1cf378 elementor-widget elementor-widget-heading\" data-id=\"d1cf378\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-xxl\">Pensioenplanning<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0900868 elementor-widget elementor-widget-text-editor\" data-id=\"0900868\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Waarschijnlijk de grootste verandering in mijn financi\u00eble leven.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d3e83b e-flex e-con-boxed e-con e-parent\" data-id=\"7d3e83b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97776d2 elementor-widget elementor-widget-heading\" data-id=\"97776d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Waaruit bestaat een pensioen plan? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-489b260 elementor-widget elementor-widget-heading\" data-id=\"489b260\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Voor iedere particulier (ook de zelfstandige)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f0eb47 elementor-widget elementor-widget-text-editor\" data-id=\"9f0eb47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Op pensioen gaan is waarschijnlijk \u00e9\u00e9n van de grootste veranderingen in mijn leven. Zeker in mijn financieel leven omdat van een loon ik ineens overga naar een &#8220;karig&#8221; pensioen. Vaak daalt het inkomen daarbij zo sterk dat mijn levensstandaard niet langer vast te houden is, tenzij ik voorzieningen getroffen heb (2de, 3de of 4de pijler).<\/p><p>Het basisonderdeel van een pensioenplan als particulier, zijn:\u00a0<\/p><ul><li>wanneer ik op pensioen mag gaan,\u00a0<\/li><li>met welk staatspensioen,\u00a0<\/li><li>hoe wordt dit aangevuld met pensioenplannen (2e, 3e en 4e pijler),<\/li><li>hoe zet ik die kapitalen om naar een inkomen en<\/li><li>hoe be\u00efnvloedt dat mijn levenstandaard?\u00a0<\/li><\/ul><p>Als ik nog actief wil blijven, wordt er ook gekeken naar wat ik nog mag bijverdienen.<\/p><p>Eenzelfde vorm van complexiteit bestaat voor personen die ook in het buitenland gewerkt\/gewoond hebben. Daar zijn er frequent meerdere staatspensioenen en meerdere types van pensioenplannen met elk hun eigen complexe fiscaliteit.<\/p><p>Dit wordt steeds bekeken in functie van mijn doelstellingen; zowel de planning van bijkomende pensioenkapitalen als de uitkering van deze kapitalen (in geld, in vastgoed).<\/p><p>Het sluitstuk in mijn pensioenplan is hoe ik die kapitalen (verzekeringen, sparen, verkoop of overdracht van een zaak\/vennootschap, beleggingen) nu omvorm naar wat ik echt nodig heb: een inkomen. Wij rekenen samen uit hoeveel die kapitalen mij netto kunnen opbrengen en wat het inkomen wordt met de beleggingen die ik verkies.<\/p><p>Ik besef dat dit maatwerk is&#8230;maar daar maakt mijn planner graag tijd voor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0da4e7 elementor-widget elementor-widget-heading\" data-id=\"a0da4e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Voor de zelfstandige<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2789623 elementor-widget elementor-widget-text-editor\" data-id=\"2789623\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Als zelfstandige, vennoot of bedrijfsleider komt hier echter heel wat bijkomend te kijken. Heb ik dan ook nog een gemengde carri\u00e8re (werknemer, zelfstandig) gehad, is er vaak een veelvoud van groepsverzekeringen, IPT, VAPZ, aandelen- en optieplannen gecombineerd met persoonlijke voorzieningen (pensioensparen, sparen, levensverzekeringen). Allemaal met hun eigen fiscaal systeem.<\/p><p>Bovendien is mijn zaak of vennootschap mijn pensioenspaarpot en die zal ik moeten aanspreken. En dan komt er problematiek bij van liquidatie of overdracht naar de volgende generatie of een derde. En van gelden uit de vennootschap te halen &#8211; in geld of in goederen. Nu of in de toekomst.<\/p><p>In dit kluwen zorgt mijn planner voor structuur en samen bespreken we welke acties moeten gebeuren om dit allemaal risicovrij in mijn persoonlijk patrimonium te krijgen.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7734508 e-flex e-con-boxed e-con e-parent\" data-id=\"7734508\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f95e4d5 e-con-full e-flex e-con e-child\" data-id=\"f95e4d5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-229762f e-flex e-con-boxed e-con e-child\" data-id=\"229762f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0d9b11 elementor-widget elementor-widget-image\" data-id=\"c0d9b11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823494-1024x683.jpg\" class=\"attachment-large size-large wp-image-3200\" alt=\"\" srcset=\"https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823494-1024x683.jpg 1024w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823494-300x200.jpg 300w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823494-768x512.jpg 768w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823494-1536x1024.jpg 1536w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823494-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3be69f e-flex e-con-boxed e-con e-child\" data-id=\"b3be69f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e2d646 elementor-widget elementor-widget-text-editor\" data-id=\"1e2d646\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Wanneer mag\/kan ik op pensioen en met welk pensioen?<\/p><p>Hoeveel moet ik bijkomend sparen om dezelfde levensstandaard te houden? Of om mijn bijkomende wensen en doelstellingen te bereiken?<\/p><p>Mag ik iets bijverdienen als ik nog actief blijf?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fba13c e-con-full e-flex e-con e-child\" data-id=\"1fba13c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d961b39 e-flex e-con-boxed e-con e-child\" data-id=\"d961b39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fedf9f elementor-widget elementor-widget-image\" data-id=\"2fedf9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"706\" src=\"https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823540-1024x706.jpg\" class=\"attachment-large size-large wp-image-3203\" alt=\"\" srcset=\"https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823540-1024x706.jpg 1024w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823540-300x207.jpg 300w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823540-768x530.jpg 768w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823540-1536x1059.jpg 1536w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823540-2048x1413.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b7e9ff e-flex e-con-boxed e-con e-child\" data-id=\"1b7e9ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-243e88e elementor-widget elementor-widget-text-editor\" data-id=\"243e88e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Hoe kan ik het wettelijk pensioen aanvullen?\u00a0<\/p><p>Met welke kapitalen?\u00a0<\/p><p>Wat zijn die netto waard?<\/p><p>Wie heeft recht op de verzekerde kapitalen als ik vroegtijdig overlijd?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f839149 e-con-full e-flex e-con e-child\" data-id=\"f839149\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d3d04f2 e-flex e-con-boxed e-con e-child\" data-id=\"d3d04f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0981344 elementor-widget elementor-widget-image\" data-id=\"0981344\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823487-1024x683.jpg\" class=\"attachment-large size-large wp-image-3204\" alt=\"\" srcset=\"https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823487-1024x683.jpg 1024w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823487-300x200.jpg 300w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823487-768x512.jpg 768w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823487-1536x1024.jpg 1536w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3823487-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-695c416 e-flex e-con-boxed e-con e-child\" data-id=\"695c416\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6498d8 elementor-widget elementor-widget-text-editor\" data-id=\"d6498d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Hoe haal ik geld uit de zaak\/vennootschap?\u00a0<\/p><p>Hoe draag ik die zaak\/vennootschap over?<\/p><p>Hoe liquideer ik die zaak\/vennootschap?<\/p><p>Hoe bereid ik dit voor, voor ik met pensioen ga?<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff66855 e-con-full e-flex e-con e-child\" data-id=\"ff66855\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-04dabd7 e-flex e-con-boxed e-con e-child\" data-id=\"04dabd7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d6736e elementor-widget elementor-widget-image\" data-id=\"8d6736e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"722\" src=\"https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3824771-1024x722.jpg\" class=\"attachment-large size-large wp-image-3202\" alt=\"\" srcset=\"https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3824771-1024x722.jpg 1024w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3824771-300x211.jpg 300w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3824771-768x541.jpg 768w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3824771-1536x1082.jpg 1536w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/05\/pexels-andrea-piacquadio-3824771-2048x1443.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08f5190 e-flex e-con-boxed e-con e-child\" data-id=\"08f5190\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5639f52 elementor-widget elementor-widget-text-editor\" data-id=\"5639f52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Hoe zet ik die kapitalen om in een maandelijks\/jaarlijks inkomen?<\/p><p>Welk beeld van mijn financi\u00ebn kan ik mij vormen 10, 20, 30 jaar na mijn pensionering?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-391ebb66 e-flex e-con-boxed e-con e-parent\" data-id=\"391ebb66\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69220837 elementor-widget elementor-widget-text-editor\" data-id=\"69220837\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pensioen planning is reeds mogelijk vanaf 1.900 \u20ac (incl. BTW) voor een particulier en vanaf 2.500 \u20ac (excl. BTW) voor een zelfstandige, afhankelijk van de complexiteit en doelstellingen.<\/p><p>Een eerste kennismakingsgesprek is echter altijd gratis en geheel vrijblijvend. Na dit gesprek wordt een offerte gemaakt waarin uitgelegd wordt wat uitgewerkt wordt in het plan en tegen welke prijzen. De prijzen in de offerte zijn forfaitair tenzij anders aangeduid. Er worden geen verplaatsingsonkosten en -uren aangerekend.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f00551c e-flex e-con-boxed e-con e-parent\" data-id=\"3f00551c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2c353eab e-con-full e-flex e-con e-child\" data-id=\"2c353eab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-246be96c e-con-full e-flex e-con e-child\" data-id=\"246be96c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-236e36be elementor-widget elementor-widget-heading\" data-id=\"236e36be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ik wil een vrijblijvende kennismaking<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70096b66 e-con-full e-flex e-con e-child\" data-id=\"70096b66\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3834ab4c elementor-align-right elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"3834ab4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-down\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3356618d e-con-full e-flex e-con e-parent\" data-id=\"3356618d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7b7cd088 e-con-full e-flex e-con e-child\" data-id=\"7b7cd088\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7608bd76 elementor-widget elementor-widget-image\" data-id=\"7608bd76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.personalfinanceplanners.be\/index.php\/home\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"368\" height=\"237\" src=\"https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/01\/Logo.png\" class=\"attachment-large size-large wp-image-75\" alt=\"\" srcset=\"https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/01\/Logo.png 368w, https:\/\/personalfinanceplanners.be\/wp-content\/uploads\/2023\/01\/Logo-300x193.png 300w\" sizes=\"(max-width: 368px) 100vw, 368px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c78eec1 elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"c78eec1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-431a6ae\" href=\"https:\/\/www.linkedin.com\/company\/personal-finance-planners\/about\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1330c6cc e-con-full e-flex e-con e-child\" data-id=\"1330c6cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-15bc4f0a e-flex e-con-boxed e-con e-child\" data-id=\"15bc4f0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-309e0f3e elementor-widget elementor-widget-heading\" data-id=\"309e0f3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Activiteiten<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c76c77 e-flex e-con-boxed e-con e-child\" data-id=\"c76c77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ae5f613 elementor-widget elementor-widget-text-editor\" data-id=\"6ae5f613\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-vermogensanalyse\/\">Vermogensplanning<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-pensioenplanning\/\">Pensioenplanning<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-successieplanning\/\">Successieplanning<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-portefeuillescan\/\">Portefeuillescan<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-begeleiding\">Begeleiding<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-financiallifecoaching\/\">Financial life coaching<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-opvolging\/\">Opvolging\u00a0<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57736c2f e-con-full e-flex e-con e-child\" data-id=\"57736c2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f63d17a e-flex e-con-boxed e-con e-child\" data-id=\"f63d17a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3141ed89 elementor-widget elementor-widget-heading\" data-id=\"3141ed89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Personal Finance Planners<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5106c4ec e-flex e-con-boxed e-con e-child\" data-id=\"5106c4ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7353aa58 elementor-widget elementor-widget-text-editor\" data-id=\"7353aa58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-diensten\/\">Diensten<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-watiseenfinancieelplan\/\">Een financieel plan?<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-aanpak\/\">Aanpak<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/NL-contact\/\">Contact<span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-style: inherit; font-weight: inherit; text-align: var(--text-align);\">\u00a0<\/span><\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/algemeen\/\">Algemeen<\/a><\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bb6d6a1 e-con-full e-flex e-con e-child\" data-id=\"7bb6d6a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b1f54a e-flex e-con-boxed e-con e-child\" data-id=\"b1f54a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20bdaa1d elementor-widget elementor-widget-heading\" data-id=\"20bdaa1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Contact<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67ec4f41 e-con-full e-flex e-con e-child\" data-id=\"67ec4f41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48d51b19 elementor-widget elementor-widget-text-editor\" data-id=\"48d51b19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Personal Finance Planners<\/strong><\/p>\n<p>Onafhankelijk financieel planner<\/p><p>Erkend door de FSMA&nbsp;<\/p>\n<p>Lindendries 29, 1730 Asse<\/p>\n<p>BE0759.991.436<\/p>\n<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-style: inherit; font-weight: inherit; text-align: var(--text-align);\">(+32) 0456 116924<\/span><\/p>\n<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-style: inherit; font-weight: inherit; text-align: var(--text-align);\">info@personalfinanceplanners.be<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Onafhankelijk financieel planner, erkend door de FSMA Financial life coaching Pensioenplanning Waarschijnlijk de grootste verandering in mijn financi\u00eble leven. Waaruit bestaat een pensioen plan? Voor iedere particulier (ook de zelfstandige) Op pensioen gaan is waarschijnlijk \u00e9\u00e9n van de grootste veranderingen in mijn leven. Zeker in mijn financieel leven omdat van een loon ik ineens overga [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-372","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/pages\/372","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/comments?post=372"}],"version-history":[{"count":0,"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/pages\/372\/revisions"}],"wp:attachment":[{"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/media?parent=372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}