{"id":5809,"date":"2023-03-27T18:50:09","date_gmt":"2023-03-27T18:50:09","guid":{"rendered":"https:\/\/personalfinanceplanners.be\/?page_id=5809"},"modified":"2024-10-02T10:47:54","modified_gmt":"2024-10-02T10:47:54","slug":"plan-de-pension","status":"publish","type":"page","link":"https:\/\/personalfinanceplanners.be\/index.php\/fr\/plan-de-pension\/","title":{"rendered":"Plan de pension"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5809\" class=\"elementor elementor-5809\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f65bce1 e-con-full e-flex e-con e-parent\" data-id=\"6f65bce1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-44e92edd e-con-full e-flex e-con e-child\" data-id=\"44e92edd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f17844c elementor-widget elementor-widget-heading\" data-id=\"6f17844c\" 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\/fr\/general\/\">Planificateur financier ind\u00e9pendant, agr\u00e9\u00e9 par le FSMA\n<\/a><\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b068fbf e-con-full e-flex e-con e-child\" data-id=\"1b068fbf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-565c362f e-con-full e-flex e-con e-child\" data-id=\"565c362f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7256b58b elementor-widget elementor-widget-heading\" data-id=\"7256b58b\" 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\/fr\/financial-life-coaching\/\">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\">Planification de la pension<\/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;\">Probablement le plus grand changement dans ma vie financi\u00e8re.<\/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\">En quoi consiste une planification de pension?<\/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\">Pour chaque individu (y compris les ind\u00e9pendants)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-706d90f elementor-widget elementor-widget-text-editor\" data-id=\"706d90f\" 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>La retraite est probablement l\u2019un des plus grands changements dans ma vie. En particulier dans ma vie financi\u00e8re, car d\u2019un salaire, je passe soudainement \u00e0 une \u00ab\u00a0maigre\u00a0\u00bb pension l\u00e9gale. Souvent, les revenus diminuent tellement que mon niveau de vie ne peut plus \u00eatre maintenu, \u00e0 moins que je n\u2019aie pris des dispositions (2e, 3e ou 4e pilier).<\/p><p>Il y a une s\u00e9rie de questions \u00e0 se poser quand on veut planifier sa retraite\u00a0: \u00a0<\/p><ul><li>Quand prendrai-je ma retraite\u00a0?<\/li><li>Avec quelle pension l\u00e9gale\u00a0?<\/li><li>Comment ma pension l\u00e9gale sera-t-elle compl\u00e9t\u00e9e par d\u2019autres plans de pension (2\u00e8me, 3\u00e8me et 4\u00e8me piliers)\u00a0?<\/li><li>Comment convertir ces capitaux en revenus\u00a0?<\/li><li>Comment ma pension affectera-t-elle mon train de vie ?<\/li><\/ul><p>Si je souhaite toujours rester actif, il convient \u00e9galement d\u2019examiner ce que j\u2019ai le droit de gagner en plus de ma pension.<\/p><p>Une complexit\u00e9 similaire existe si j\u2018ai travaill\u00e9 ou v\u00e9cu \u00e0 l\u2019\u00e9tranger. Je \u00a0b\u00e9n\u00e9ficie alors souvent de plusieurs pensions l\u00e9gales et types de plans de pension, chacun avec sa propre fiscalit\u00e9 complexe.<\/p><p>Ces \u00e9l\u00e9ments sont toujours pris en compte en fonction de mes objectifs, qu\u2019il s\u2019agisse de la planification de mes capitaux de pension suppl\u00e9mentaires ou de la r\u00e9partition de ces capitaux (en esp\u00e8ces, en biens immobiliers,\u2026).<\/p><p>Le dernier \u00e9l\u00e9ment de mon plan de retraite concerne la mani\u00e8re dont je vais convertir ces capitaux (assurance, \u00e9pargne, vente ou transfert d\u2019une entreprise, investissements) en ce dont j\u2019aurai r\u00e9ellement besoin : un revenu. Ensemble, nous calculons combien ces capitaux peuvent me rapporter et quel sera le revenu, compte tenu des investissements qui ont ma pr\u00e9f\u00e9rence.<\/p><p>Je suis conscient qu\u2019il s\u2019agit d\u2019un travail sur mesure\u2026 mais mon planificateur prend volontiers le temps de s\u2019en occuper.<\/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\">Pour les ind\u00e9pendants<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc7a0e2 elementor-widget elementor-widget-text-editor\" data-id=\"cc7a0e2\" 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>Toutefois, en tant qu\u2019ind\u00e9pendant, associ\u00e9 ou chef d\u2019entreprise, il y a beaucoup de consid\u00e9rations suppl\u00e9mentaires \u00e0 prendre en compte. Si j\u2019ai eu une carri\u00e8re mixte (de salari\u00e9 et d\u2019ind\u00e9pendant), il y a souvent une multitude d\u2019assurances collectives, d\u2019EIP, de PCLI, de plans d\u2019actions et d\u2019options qui s\u2019ajoutent \u00e0 des conventions personnelles (\u00e9pargne-pension, \u00e9pargne, assurance-vie). Le tout, assorti d\u2019un r\u00e9gime fiscal propre \u00e0 chaque cas.<\/p><p>De plus, mon entreprise ou ma soci\u00e9t\u00e9 repr\u00e9sente mon fonds de pension et je devrai y puiser. Viennent ensuite les questions de sa liquidation ou de son transfert \u00e0 la g\u00e9n\u00e9ration suivante ou \u00e0 un tiers. Et de la sortie des fonds de l\u2019entreprise \u2013 en esp\u00e8ces ou en actifs. Pour aujourd\u2019hui ou pour le futur.<\/p><p>Mon planificateur apporte de la structure \u00e0 cet enchev\u00eatrement, et nous discutons ensemble des mesures \u00e0 prendre pour \u00e9viter que mon patrimoine personnel puisse \u00eatre mis en p\u00e9ril.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a7a46d e-flex e-con-boxed e-con e-child\" data-id=\"7a7a46d\" 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-37d1b0b e-con-full e-flex e-con e-child\" data-id=\"37d1b0b\" 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-5b72102 e-flex e-con-boxed e-con e-child\" data-id=\"5b72102\" 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-3ce630a elementor-widget elementor-widget-image\" data-id=\"3ce630a\" 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-bca8a1b e-flex e-con-boxed e-con e-child\" data-id=\"bca8a1b\" 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-86ef560 elementor-widget elementor-widget-text-editor\" data-id=\"86ef560\" 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>Quand puis-je prendre ma retraite et avec quelle pension?<\/p><p>Combien dois-je \u00e9pargner en plus pour conserver le m\u00eame train de vie? Ou pour r\u00e9aliser mes autres souhaits et objectifs?<\/p><p>Puis-je gagner encore quelque chose de plus si je reste actif?<\/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-de74dbc e-con-full e-flex e-con e-child\" data-id=\"de74dbc\" 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-e7c9a37 e-flex e-con-boxed e-con e-child\" data-id=\"e7c9a37\" 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-e5fd392 elementor-widget elementor-widget-image\" data-id=\"e5fd392\" 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-5326131 e-flex e-con-boxed e-con e-child\" data-id=\"5326131\" 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-bb4cea1 elementor-widget elementor-widget-text-editor\" data-id=\"bb4cea1\" 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>Comment compl\u00e9ter la pension l\u00e9gale?<\/p><p>Avec quels capitaux?<\/p><p>Quelle en est la valeur nette?<\/p><p>Qui a droit au capitaux assur\u00e9s si je d\u00e9c\u00e8de pr\u00e9matur\u00e9ment?<\/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-d35c687 e-con-full e-flex e-con e-child\" data-id=\"d35c687\" 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-e78e911 e-flex e-con-boxed e-con e-child\" data-id=\"e78e911\" 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-97bafd4 elementor-widget elementor-widget-image\" data-id=\"97bafd4\" 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-caa26b7 e-flex e-con-boxed e-con e-child\" data-id=\"caa26b7\" 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-bbd677c elementor-widget elementor-widget-text-editor\" data-id=\"bbd677c\" 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>Comment retirer de l\u2019argent de mon entreprise?<\/p><p>Comment transf\u00e9rer mon entreprise?<\/p><p>Comment liquider mon entreprise?<\/p><p>Comment pr\u00e9parer le tout avant de prendre ma retraite?<\/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-b883519 e-con-full e-flex e-con e-child\" data-id=\"b883519\" 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-d09481a e-flex e-con-boxed e-con e-child\" data-id=\"d09481a\" 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-e19f251 elementor-widget elementor-widget-image\" data-id=\"e19f251\" 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-f33b7d8 e-flex e-con-boxed e-con e-child\" data-id=\"f33b7d8\" 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-4e1dc0b elementor-widget elementor-widget-text-editor\" data-id=\"4e1dc0b\" 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>Comment convertir ces capitaux en un revenu mensuel\/annuel?<\/p><p>Quelle id\u00e9e puis-je me faire de l\u2019\u00e9tat de mes finances 10, 20, 30 ans apr\u00e8s la retraite?<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6dbd844a e-flex e-con-boxed e-con e-parent\" data-id=\"6dbd844a\" 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-1b17ff5 elementor-widget elementor-widget-text-editor\" data-id=\"1b17ff5\" 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>Une planification de la pension est d\u00e9j\u00e0 possible \u00e0 partir de 1 900 euros (TVA incluse) pour un particulier et de 2 500 euros (TVA exclue) pour un ind\u00e9pendant, en fonction de la complexit\u00e9 et des objectifs.<\/p><p>Toutefois, un premier entretien de pr\u00e9sentation est toujours gratuit et sans engagement. \u00c0 l&#8217;issue de cet entretien, une offre est faite, expliquant ce qui sera \u00e9labor\u00e9 dans le plan et \u00e0 quel prix. Les prix indiqu\u00e9s dans le devis sont fixes, sauf indication contraire. Les frais de d\u00e9placement et les heures de travail ne sont pas factur\u00e9s.<\/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-6a292b7d e-flex e-con-boxed e-con e-parent\" data-id=\"6a292b7d\" 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-700b88bf e-con-full e-flex e-con e-child\" data-id=\"700b88bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-77cd5797 e-con-full e-flex e-con e-child\" data-id=\"77cd5797\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3158aee8 elementor-widget elementor-widget-heading\" data-id=\"3158aee8\" 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\">Je souhaite une prise de contact sans engagement<\/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-249bc61c e-con-full e-flex e-con e-child\" data-id=\"249bc61c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-752a101 elementor-align-right elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"752a101\" 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\/fr\/contacts\/\">\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-7384e93a e-con-full e-flex e-con e-parent\" data-id=\"7384e93a\" 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-5837e3a3 e-con-full e-flex e-con e-child\" data-id=\"5837e3a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b4d575d elementor-widget elementor-widget-image\" data-id=\"7b4d575d\" 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-265d9605 elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"265d9605\" 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-149219b e-con-full e-flex e-con e-child\" data-id=\"149219b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4ee3b0c4 e-flex e-con-boxed e-con e-child\" data-id=\"4ee3b0c4\" 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-e36cc67 elementor-widget elementor-widget-heading\" data-id=\"e36cc67\" 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\">Activit\u00e9s<\/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-840892 e-flex e-con-boxed e-con e-child\" data-id=\"840892\" 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-4eb06bf9 elementor-widget elementor-widget-text-editor\" data-id=\"4eb06bf9\" 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\/fr\/plan-patrimonial\/\">Plan patrimonial<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/fr\/plan-de-pension\/\">Plan de pension<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/fr\/planification-de-la-succession\/\">Plan de succession<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/fr\/scan-patrimonial\/\">Analyse du portefeuille<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/fr\/accompagnement\/\">Accompagnement<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/fr\/financial-life-coaching\/\">Financial life coaching<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/fr\/suivi\/\">Suivi\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-56e64a00 e-con-full e-flex e-con e-child\" data-id=\"56e64a00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-356a6746 e-flex e-con-boxed e-con e-child\" data-id=\"356a6746\" 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-2ec688d5 elementor-widget elementor-widget-heading\" data-id=\"2ec688d5\" 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-6827bfa3 e-flex e-con-boxed e-con e-child\" data-id=\"6827bfa3\" 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-44ab7c89 elementor-widget elementor-widget-text-editor\" data-id=\"44ab7c89\" 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\/fr\/services\/\">Services<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/fr\/un-plan-financier\/\">Un plan financier?<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/fr\/approche\/\">Approche<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/fr\/contacts\/\">Contacts<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\/fr\/general\/\">G\u00e9n\u00e9ral<\/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-292783e e-con-full e-flex e-con e-child\" data-id=\"292783e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-519851c7 e-flex e-con-boxed e-con e-child\" data-id=\"519851c7\" 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-167606b elementor-widget elementor-widget-heading\" data-id=\"167606b\" 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-4633e250 e-con-full e-flex e-con e-child\" data-id=\"4633e250\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bc766be elementor-widget elementor-widget-text-editor\" data-id=\"7bc766be\" 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><p>Planificateur financier ind\u00e9pendant<\/p><p>Reconnu par le FSMA<\/p><p>Lindendries 29, 1730 Asse<\/p><p>BE0759.991.436<\/p><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><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>Planificateur financier ind\u00e9pendant, agr\u00e9\u00e9 par le FSMA Financial life coaching Planification de la pension Probablement le plus grand changement dans ma vie financi\u00e8re. En quoi consiste une planification de pension? Pour chaque individu (y compris les ind\u00e9pendants) La retraite est probablement l\u2019un des plus grands changements dans ma vie. En particulier dans ma vie financi\u00e8re, [&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":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","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":"set","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-5809","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/pages\/5809","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=5809"}],"version-history":[{"count":0,"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/pages\/5809\/revisions"}],"wp:attachment":[{"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/media?parent=5809"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}