Black Swan Capital
Black Swan Capital
We are an independent investment advisory firm licenced & regulated in the Netherlands. We are Europe’s first truly independent investment advisory fi...
directory
Financial advisors in the Netherlands
directory
Updated on Mar 2, 2026
Having a solid and long-term financial plan is essential for expats living in the Netherlands, especially if they could be relocating in the future. It is therefore advisable to have a trusted financial advisor or independent financial planner, alongside your tax advisor and mortgage provider.
Below is a list of expat-friendly financial consultants who offer internationals a number of financial products and services - from pension and retirement planning to wealth and asset management, and from investment solutions to financial and tax advice about FATCA, Brexit and more.
How to choose a financial advisor as an expat in the Netherlands
Look for an AFM-registered advisor who has experience with cross-border finances, expat tax treaties, and Dutch pension rules. Fee-based advisors avoid conflicts of interest - always ask whether they earn commission on the products they recommend.
6 results
Hoxton Wealth
Hoxton Wealth
Hoxton Wealth is an international financial advisory firm powered by award-winning wealthtech, where innovation meets expertise to secure your financi...
Expat Pension Holland
Expat Pension Holland
As licenced pension consultancy firm we provide high-quality consultancy for expats. We translate complex issues into simple solutions. We are special...
Noesis Capital Management
Noesis Capital Management
We are a U.S.-founded investment advisory (RIA) firm specializing in cross-border wealth management and financial planning for expats and the globally...
Staden Financial Management
Staden Financial Management
At Staden Financial Management, we provide personalized investment advice to expats navigating the complexities of living and working across Europe. O...
Domek 
Domek
Domek supports expats in the Netherlands with insurance, utilities, taxes and pension planning, as part of our all-in-one home & mortgage service. 15,...
Frequently asked questions about financial advisors in the Netherlands
Find answers to the most common questions expats have about financial advice in the Netherlands.
Do I need a financial advisor as an expat in the Netherlands?
Not legally required, but highly recommended. Expat finances involve multiple tax jurisdictions, Dutch pension rules, possible 30% ruling implications, and investments that cross borders. A specialist financial advisor helps you avoid costly mistakes and make the most of your time in the Netherlands.
What's the difference between a financial advisor, financial planner, and wealth manager?
These terms are often used interchangeably, but there are distinctions. A financial advisor gives broad financial guidance - from insurance to investments. A financial planner focuses on long-term goal-based planning (retirement, savings, education). A wealth manager typically works with higher-net-worth clients and combines investment management with tax and estate planning.
What does a financial advisor in the Netherlands charge?
Most independent financial advisors (onafhankelijk financieel adviseur) charge an hourly rate or a flat fee per project. Some may charge a percentage of assets under management. Since the Netherlands banned commission-based advice on complex products in 2013, fee transparency is generally strong.
What is the difference between an AFM-registered and non-registered advisor?
The AFM (Autoriteit Financiële Markten) is the Dutch financial regulator. Advisors who offer regulated services - like investment advice or mortgage advice - must be AFM-licensed. Always verify your advisor's registration at the AFM public register before signing anything.
Can a financial advisor help with pension planning as an expat?
Yes, and this is one of the most common needs for expats. A good advisor can help you understand Dutch state pension (AOW) entitlements, any existing pension from your home country, and how to bridge gaps through private pension or investment products.
What about FATCA, US expats, or cross-border tax issues?
US citizens living in the Netherlands face particularly complex obligations (FATCA, FBAR, dual tax filing). Not all Dutch advisors are equipped to handle this. Look specifically for advisors with cross-border or international experience, or those who work with a US tax specialist.
Get listed
Interested in featuring among our directories of expat-friendly businesses? Get your business listed and reach our audience.