5. Tax planning

The Netherlands is a beautiful country with a rich heritage where many things are very well arranged – paid for by taxes. The effective tax-level (of all taxes combined) in the Netherlands is, over the long term, growing, as the Dutch government has a growing appetite to spend money inside and outside of the Netherlands, also to re-distribute income and wealth.

In such a high-tax country it is important to fully consider the tax laws in building your wealth in the optimal way. Hence I also provide training and coaching on how to best make use of the Dutch tax laws. In doing so, I will not become your tax advisor and I will not file your tax returns with the tax authorities.

Just as an example, Dutch tax laws which could be relevant for you:

• ‘box-1 bruto lijfrente’ and  ‘box-3 netto lijfrente’ saving options for pensions;
• mortgage laws;
• legal arrangements regarding dividend taxes for companies which generate dividends outside of the Netherlands;
• the ‘fiscale middelingsregeling’ when starting or ending a career, especially when a severance payment is provided.

Please note that I only provide training and coaching regarding tax planning for people who file their income tax in the Netherlands. So I don’t cover e.g. capital gain taxes, or typical US tax-deferred accounts like IRA, 401(k), 403(b) and deferred compensation plans.