Wealth structuring begins with financial planning. This requires an accurate representation of the client's income and asset position. We examine what the client wants to achieve. What their goals are. What life events have occurred or (may) occur. Is a company being started, restructured, or sold? Is someone getting married, cohabiting, or divorced? Is there a "he" or "she" who is eagerly expected in the family? Have any children been born or adopted? What does their retirement provision look like? Is real estate being acquired? Is a move planned? Perhaps abroad? Or from abroad to the Netherlands? To a nursing home or care home? Or is everyone still in good health? Alive and kicking ? What are their risks? Both personal and business.

What are the liquidity and solvency levels like? Are ratios under pressure, and do cash flow, assets, and liabilities need to be better managed? Controlled cost reductions or refinancing may be necessary. And it offers opportunities. It could well be the perfect time to buy or acquire, to negotiate better terms with suppliers, to optimize internal work processes, recalibrate systems, and dedicate time to business development and training.

A person's life changes. Constantly. Fortunately. It's the circle of life. People are born, change from toddler to preschooler, go to elementary school, and then to secondary school. They enter puberty and usually leave it again. They might go to college, get a job. Fall in love. Get married. Buy a house. And maybe a second or third. With a boat to boot. They grow old and need to be cared for. Ultimately, death follows. Inevitable. That's the only thing we can be certain of.

Sometimes the changes are even more complicated. Children are adopted. This could be by a married same-sex couple. They gain brothers and sisters. Perhaps even older half-brothers and half-sisters. Mother—or father, or both—start their own business. A divorce occurs. For example, the woman ends up alone despite having no affinity for asset management and needing support and empowerment . A second marriage occurs. A company goes bankrupt. The blended family emigrates for tax reasons. And the grandmother, whose mental faculties are declining over time, urgently needs the best possible private care at home. These are just examples. But they are real-life examples. From everyday life.

Whatever the case, ultimately, it's best to try to cope with all the changes that come your way as best as possible. Many of these changes can be planned in advance. What goals does the client set for their assets? What kind of cash flow is required for their desired lifestyle? What investments do they want to make, and what do they want to invest? With what horizon? What exit strategy? How do they protect their assets from creditors or third parties? How do they shield their position from the outside world and maintain their privacy? How do they want to transfer assets to loved ones during their lifetime? How do they limit their tax burden? And what should happen upon death? With their assets. The family assets. The business. With their personal belongings. We listen to our clients. We help them ask these kinds of questions and provide them with answers and solutions.

Does the client want to retire early? Or perhaps continue working longer? A sabbatical? What are they currently saving for when they no longer have income from work? Are they building up their savings independently? We help the client gain a clear understanding of the situation that arises when they, statistically at least, are no longer part of the working population.