Having a solid, long-term financial plan is essential for expats living in the Netherlands, especially if they may 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.
Look for an AFM-registered advisor with experience in cross-border finance, 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.
Noesis is an independent wealth management firm specializing in cross-border portfolio management and financial planning for American expats and globally mobile families. With regulated offices in the U.S. and the Netherlands, we have served international clients for more than 30 years.
At Staden Financial Management, we provide personalized investment advice to expats navigating the complexities of living and working across Europe. Our customized investment strategies and comprehensive long-term financial planning help expats secure their wealth seamlessly.
Hoxton Wealth is an international financial advisory firm powered by award-winning wealthtech, where innovation meets expertise to secure your financial future. Our experienced team specialises in addressing the specific financial challenges faced by expatriates, ensuring you receive expert guidance every step of the way.
As licenced pension consultancy firm we provide high-quality consultancy for expats. We translate complex issues into simple solutions. We are specialized in international optimization and particular the UK and USA. Our service is all-inclusive: We provide advice and control all aspects of the process in order to deliver the best results. We are proud of our 5 star google review score.
We are an independent investment advisory firm licenced & regulated in the Netherlands. We are Europe’s first truly independent investment advisory firm dedicated to the specific needs of expats & international professionals. We provide expert goal-based financial planning, investment and retirement advice specific to your needs. We are expats too.
Domek supports expats in the Netherlands with insurance, utilities, taxes and pension planning, as part of our all-in-one home & mortgage service. 15,000+ happy clients, advice in 14 languages. No one covers it all like Domek!
Expat Advisory helps Americans moving abroad gain cross-border financial clarity. We turn your timeline, income, accounts, and goals into a clear plan you can follow, with practical next steps for move-year planning, cash flow, and coordination.
Find answers to the most common questions expats have about financial advice in the Netherlands.
It's not legally required, but highly recommended. Expat finances involve multiple tax jurisdictions, Dutch pension rules, potential 30% ruling implications, and cross-border investments. A specialist financial advisor helps you avoid costly mistakes and make the most of your time in the Netherlands.
These terms are often used interchangeably, but there are distinctions between them. 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.
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.
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.
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.
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.
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