Who is possible a financial plan to make?
You consult a financial planner concerning choices which the rest of your life influence.

For this reason it is obvious that you require reliability, profession niche and experience.
Financial planners who are certified by the federation financial Planners, have these properties.

The federation puts , as it happens, high requirements: connected planners must minimum two years experience has and a examination take off from which appears that them concerning sufficiently profession niche has. Moreover is the certified planner obliges permanent education to follow. Thus keeps he are knowledge in the area of taxes, droit patrimonialdroit patrimonial droit patrimonial, law of inheritance, social security, to save, convenes, life insurances, pensions and financing on level.

Moreover subscribe to all connected planners a code of conduct, who imply among others that you can require that the planner shows how he/she becomes for the services remunerated, where the objectivity of the recommendation central state. You doubt if your planner sticks to the code of conduct, then has you the possibility of lodging a complaint. THE FFP can force the planner to the code of conduct to stick.

As you tomorrow not if yesterday wants live...
than starts you today with your financial planning.

Planning your financial future becomes always more complex.
The supplies of social security have been limited the last years, whereas the offer of financial service providers vaster and more several becomes. For this reason more and more people appeal to financial planner to analyse their financial situation and to stipulate what is feasable in the future.

A good financial plan starts situation with an inventory of your current financiele. Then it contains an analysis of the development of your capacity, followed by a recommendation concerning how you can optimise your situation. plan can discuss the following aspects: stoppers with work, death, incapacity for work, marriage, divorce, taxes, social certainty, saves and convenes, life insurances and pensions, and the integration of all this matter. It gives the elements you for correct decisions to take. You see; with a financial plan in your hands it concerns not only your mortgage or insurance, but your total financial situation, for these thereby clear and synoptic to map.

Because itself about financial plannings many questions occur at consumers the money guide for you has established the 10 most asked questions financial planning. This to give picture you to a good of what you of a good financial planner can expect.

Below to be the 10 most asked find questions on financial planning.

1. Why I have a financial plan necessary?
Legislation changes constant. Whether it concerns old age pension systems, law of inheritance, study financing or tax aspects. Also your personal situation changes regularly: you marry, move, get children and changes of job. It is unfeasible for by means of all these factors to stipulate which financial regulations must meet you. But for certain your financial future to put, you, however, yourself action must undertake. How you can your pension, saving, placements, mortgages and capacity shaping best regulating? And how you limit financial dangers of for example incapacity for work or death?
A good financial plan gives questions to answer on numerous these and provides you insight in your financial situation. Now and in the future.

2. Is that for everyone important?
You must not have a considerable capacity for the fruit to be able pick of a good financial plan. Everyone wants to be or optimises its financial situation and has financial future wishes. Whether it concerns a good pension, study money the children, rather stop with work or the purchase of for example a sail boat.
Building capacity requires planning.

3. Which elements contains a financial plan?
A good starts financial plan with an inventory of your current financial situation. Then it contains an analysis of the development followed of your capacity, by a recommendation concerning how you can your situation to optimise. The plan can discuss the following aspects: to stop with work, death, incapacity for work, marriage, divorce, , save taxes, social security and convene, life insurances and pensions, and the integration of all this matter. It gives the elements you to take the correct decisions.

4. What does financial planner?
A financial planner can analyse your financial situation and on that basis a detailed financial plan establishes you. The planner has knowledge in all kinds of areas such as taxes, , save droit patrimonialdroit patrimonial droit patrimonial, law of inheritance, social security, convene, life insurances, pensions and financing. He/she looks at thereby towards your personal objectives.

5. The success is of a financial plan assuredly?
Guarantees are not give unfortunately. The success of a financial plan for example strongly coincides with risk which you choose. With the financial planner stipulates you the degree of risk which you with your money can take and wants. A high risk gives more chance on a high output you, but can also mean that you less is successful. Neemt u daarentegen weinig risico, dan kunt u geen excessenverwachten. A another aspect that the success of a financial plan can influence, is tax legislation. Financial planners are informed well of tax scheme and possible policy plans to modify the tax system. But also they are possible certain modifications in the future not always to foresee.

6. Why I must molars for a planner certified by the FFP?
You consult a financial planner concerning choices which the rest of your life influence. For this reason it is obvious that you reliability, profession niche and experience require. When you choose a financial planner those have been certified by the federation financial planners, are possible you of it go out that he/she has these properties. The federation makes, as it happens, high demands: connected planners must minimum two year has experience and a examination take off from which appears that them concerning sufficient profession niche has. Moreover the certified planner is obligatorily permanent education to follow. Thus keeps he are knowledge on the area of taxes, droit patrimonialdroit patrimonial droit patrimonial, law of inheritance, social certainty, saves, convenes, life insurances, pensions and financing on level. Moreover all connected planners subscribe to a code of conduct, that among others implies that you can require that the planner shows how he/she for the services is remunerated, where objectivity of the recommendation central state. You doubt yourself or your planner to the code of conduct keeps, then you have the possibility of lodging a complaint. THE FFP can force the planner keep itself to the code of conduct.

7. My privacy is guaranteed?
You can of it from go that your confidential data are at a certified financial planner.
The code of conduct of the FFP stipulates that he/they all confidential data secret keeps, unless he/she is obligatory legally or by means of the judge to give openness of matter.

8. How I look that my plan up-to-date remains as the legislation or my personal situation changes?
A good financial planner makes a plan that in a flexible way enough is on the future anticipate. Moreover he/she has ongoing concerning current knowledge. Once certified by the FFP a planner is obligatorily permanent education to follow to remain at the time. Think thereby to attending congresses and following cursussen.
On your request he/she can adjust your financial plan regularly.

9. What is the difference between a financial planner and other financial consultants?
Other financial consultants have been generally specialised in certain aspect of the implementation of the financial plan, such as pension, insurance or mortgages. A financial planner is more a generalist and looks at to the total parcel of your finances.
He or she involves your whole financial situation and your future wishes in the plan. That total parcel becomes also always more important. The most people close for example at the same time with a mortgage a life insurance finished and take thereby the occasion for other also their financial regulations against lift to keep.
It does not mean however that the financial planner sometimes the expertise of specialists necessary has. For example to stipulate which pension or which insurance or placement for you most suitable is, or at specific tax questions.

10 Where I find a certified financial planner?
On the internet site of the FFP appears a list with connected financial planners, classified among others name. You find this site www.ffp.Netherlands.
You can request however also a list at the secretariat of the FFP by means of phone number (030) 689.89 14.