{"id":6312,"date":"2023-03-27T18:50:09","date_gmt":"2023-03-27T18:50:09","guid":{"rendered":"https:\/\/personalfinanceplanners.be\/?page_id=6312"},"modified":"2024-10-02T10:48:23","modified_gmt":"2024-10-02T10:48:23","slug":"pension-planning","status":"publish","type":"page","link":"https:\/\/personalfinanceplanners.be\/index.php\/en\/pension-planning\/","title":{"rendered":"Pension planning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6312\" class=\"elementor elementor-6312\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ab9d753 e-con-full e-flex e-con e-parent\" data-id=\"6ab9d753\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6772534a e-con-full e-flex e-con e-child\" data-id=\"6772534a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b935c66 elementor-widget elementor-widget-heading\" data-id=\"7b935c66\" 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\/en\/about-us\/\">Independent financial planner approved by the FSMA<\/a><\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40c2c9cb e-con-full e-flex e-con e-child\" data-id=\"40c2c9cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43226009 e-con-full e-flex e-con e-child\" data-id=\"43226009\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-539b1c1d elementor-widget elementor-widget-heading\" data-id=\"539b1c1d\" 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\/en\/financial-life-coaching-2\/\">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\">Pension planning<\/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;\">Probably the biggest change in my financial life.<\/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\">What is a retirement\/pension plan made of?<\/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\">For every individual (including the self-employed)<\/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>Retirement is probably one of the biggest changes in my life. Especially in my financial life because from a salary I suddenly go over to a &#8220;meagre&#8221; pension. Often, income decreases so much in the process that my standard of living can no longer be maintained unless I have made provisions (2nd, 3rd or 4th pillar).<\/p><p>The basic components of a pension plan as an individual, are:<\/p><ul><li>When can I retire?<\/li><li>With what state pension?<\/li><li>How is this complemented by pension plans (2nd, 3rd and 4th pillars)?<\/li><li>How do I convert these capitals into income?<\/li><li>How does this affect my standard of living?<\/li><\/ul><p>If I still want to remain active, the plan also defines at what I can still earn on the side.<\/p><p>A similar kind of complexity exists for people who have also worked\/lived abroad. There are frequently multiple state pensions and multiple types of pension plans, each with their own complex taxation.<\/p><p>Both planning of additional pension capital and the distribution of this capital (in cash, in real estate, in interests) are being considered.<\/p><p>The final element in my retirement plan is how I now convert this capital (insurance, savings, sale or transfer of a business\/company, investments) into what I really need: an income. Together, we calculate how much this capital can give me net and what the income will be with the investments I prefer.<\/p><p>I realise this is bespoke work &#8230;but my planner is happy to make time for that.<\/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\">For the self-employed<\/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>However, as a self-employed person, partner or company director, there are a lot of additional issues involved. If I also had a mixed career (employee, self-employed), there is often a multitude of group insurance policies, IPT, VAPZ, share and option plans combined with personal provisions (pension savings, savings, life insurance). All with their own tax systems.<\/p><p>Moreover, my business or company is my pension savings pot and I will have to tap it. And with that, issues of liquidation or transfer to the next generation or a third party will surface. Including getting funds out of the company \u2013 in cash or in goods. Now or in the future.<\/p><p>My planner brings structure to this tangle and together we discuss what actions need to be taken to get all this risk-free into my personal estate.<\/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>When may\/can I retire and with how much pension?<\/p><p>How much do I need to save additionally to maintain the same standard of living? Or to achieve my additional desires and goals?<\/p><p>Can I still earn something on the side if I remain active after my retirement?<\/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>How can I supplement the statutory pension?<\/p><p>How much capital do I need in function of the supplement I would want?<\/p><p>What is that capital net worth? Which fiscal system is it subjected to?<\/p><p>Who is entitled to the insurance capital if I pass away early?<\/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>How do I subtract funds from the business\/company?<\/p><p>How do I transfer that business\/company?<\/p><p>How do I liquidate that business\/company?<\/p><p>How do I prepare this before I retire?<\/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>How do I convert that capital into a monthly\/annual income?<\/p><p>How will my finances look like 10, 20, 30 years after retirement?<\/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-2b58ffa0 e-flex e-con-boxed e-con e-parent\" data-id=\"2b58ffa0\" 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-76f8c65e elementor-widget elementor-widget-text-editor\" data-id=\"76f8c65e\" 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>Succession planning is already available from as little as \u20ac1,900 (incl. VAT) for an individual and \u20ac2,500 (excl. VAT) for a self-employed person, depending on complexity and objectives.<\/p><p>However, an initial introductory meeting is always free of charge and without obligation. At the end of this meeting, a quotation is drawn up, explaining what will be included in the plan and at what price. The prices indicated in the quotation are fixed, unless otherwise stated. Travel expenses and working hours are not charged.<\/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-6857eca0 e-flex e-con-boxed e-con e-parent\" data-id=\"6857eca0\" 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-2af84ede e-con-full e-flex e-con e-child\" data-id=\"2af84ede\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-14615b37 e-con-full e-flex e-con e-child\" data-id=\"14615b37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41a1539b elementor-widget elementor-widget-heading\" data-id=\"41a1539b\" 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\">I would like a non-binding introduction<\/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-7c63908f e-con-full e-flex e-con e-child\" data-id=\"7c63908f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-183820f2 elementor-align-right elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"183820f2\" 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\/en\/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-4651c2b7 e-con-full e-flex e-con e-parent\" data-id=\"4651c2b7\" 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-b57e11c e-con-full e-flex e-con e-child\" data-id=\"b57e11c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2015c703 elementor-widget elementor-widget-image\" data-id=\"2015c703\" 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-5c31420c elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"5c31420c\" 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-56844115 e-con-full e-flex e-con e-child\" data-id=\"56844115\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3624e2b5 e-flex e-con-boxed e-con e-child\" data-id=\"3624e2b5\" 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-30e26d25 elementor-widget elementor-widget-heading\" data-id=\"30e26d25\" 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\">Services<\/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-7239338a e-flex e-con-boxed e-con e-child\" data-id=\"7239338a\" 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-4f3b439 elementor-widget elementor-widget-text-editor\" data-id=\"4f3b439\" 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\/en\/assetplanning\/\">Asset Planning<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/en\/pension-planning\/\">Pension Planning<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/en\/succession-planning\/\">Succession Planning<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/en\/portfolio-scan\/\">Portfolio scan<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/en\/guidance\/\">Guidance<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/en\/financial-life-coaching-2\/\">Financial life coaching<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/en\/follow-up\/\">Support &amp; follow-up<\/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-6fd2ddc e-con-full e-flex e-con e-child\" data-id=\"6fd2ddc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-13bebc7e e-flex e-con-boxed e-con e-child\" data-id=\"13bebc7e\" 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-34c9aab8 elementor-widget elementor-widget-heading\" data-id=\"34c9aab8\" 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-3a08ff27 e-flex e-con-boxed e-con e-child\" data-id=\"3a08ff27\" 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-8fe57ae elementor-widget elementor-widget-text-editor\" data-id=\"8fe57ae\" 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\/en\/services-2\/\">Services<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/en\/afinancialplan\/\">What is a financial plan?<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/en\/approach\/\">Approach<\/a><\/p><p><a href=\"https:\/\/personalfinanceplanners.be\/index.php\/en\/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\/en\/about-us\/\">About us<\/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-65322301 e-con-full e-flex e-con e-child\" data-id=\"65322301\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-544f0ff2 e-flex e-con-boxed e-con e-child\" data-id=\"544f0ff2\" 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-30a280dd elementor-widget elementor-widget-heading\" data-id=\"30a280dd\" 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-55960512 e-con-full e-flex e-con e-child\" data-id=\"55960512\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d347d85 elementor-widget elementor-widget-text-editor\" data-id=\"6d347d85\" 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>Independent financial planner<\/p><p>Certified by the 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>Independent financial planner approved by the FSMA Financial life coaching Pension planning Probably the biggest change in my financial life. What is a retirement\/pension plan made of? For every individual (including the self-employed) Retirement is probably one of the biggest changes in my life. Especially in my financial life because from a salary I suddenly [&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-6312","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/pages\/6312","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=6312"}],"version-history":[{"count":0,"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/pages\/6312\/revisions"}],"wp:attachment":[{"href":"https:\/\/personalfinanceplanners.be\/index.php\/wp-json\/wp\/v2\/media?parent=6312"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}