Service
You know exactly what you can take out, and your family is secure
When you're self-employed, your personal finances and your business are inseparably linked. We help you get both working together.
Clarity and a plan
We balance your finances and build your savings - so your family is secure
What's included?
Fluctuating income, salary vs. dividend, savings and pension - personal finances are more complex for the self-employed than for an employee. We help you create clarity and a robust plan, so your family is secure no matter how the business does.
We look at the whole picture: what you should take out of the business and how, how large your buffer should be, and how you save for pension and the future - all without selling you products along the way.
What you get
- A budget that works - even when income fluctuates
- Salary vs. dividend - what makes the most sense for you
- Savings and a buffer so you can sleep soundly at night
- Pension and protection for you and your family
- Review of loans and insurance - are you paying too much?
How it works
- OverviewWe map your total finances - personal and business - and find the gaps.
- PlanYou get a concrete plan for pay-outs, savings, pension and protection.
- Follow-upWe follow up annually or when big changes occur, so the plan always fits your life.
Who is it for?
For you, who is self-employed and wants your personal finances to fit together with the business, so you know what you can take out, and your family is secure, whatever happens in the business.
What is not included
- We do not sell you investment products, insurance or pension savings. We advise, you decide, and we earn the same whatever you choose.
- We take no commission and have no agreements with banks or pension companies. Our only income is the fixed fee you know up front.
- We are not stock or investment advisors and do not recommend specific securities. We help you with structure, buffer and security, not with speculating.
- It is not a one-off calculation in a spreadsheet you never hear about again. We make a plan together and follow up when your life or business changes.
- We do not take over your tax return or bookkeeping here. That is a separate service we are happy to connect with, if you want.
Good to know
Is not this just something the bank can help me with for free?
The bank earns on the products it sells you. We take commission from no one and have no products to sell, so our only interest is that your plan fits you and your family.
My income swings, can you even make a plan for that?
Yes, that is exactly what we specialise in. We build a budget and a buffer that hold in the good and the lean months, so you can sleep soundly even when income varies.
Am I locked into anything if I start?
No. There is no lock-in, and we agree the price up front. The first conversation is free and completely non-binding, so you can feel whether we are a fit before you decide.
Personal finances usually form part of your advisory agreement. We agree the price up front. No lock-in, no commission.
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