Dutch Pensions Decoded For Expats
Being an expat in the Netherlands means there are already 100’s of things that are new and that you need to organise.
You know that pensions are important. That’s why you’re contributing every month through work, you think. But if a friend were to ask you over coffee if you’re on a path to enough money in retirement, you wouldn’t be able to fully answer it.
Your eyes glaze over as soon as anyone brings up jaarruimte or AOW. And you secretly wonder if those are even relevant for you as you don’t know how long you’ll stay in the Netherlands. So you keep putting it off and are missing out on tax breaks year after year.
This is exactly why I created this deep dive. By investing 60 minutes, you’ll know exactly how to make this system work for you, have an easy to follow step-by-step checklist and know you can live the life you want in retirement.
July 29th, 19:30.
Regular price: €55,-.
Elevate Community price: €27,-
1 Hour deep dive. Uncover how Dutch pensions work, where you stand and how to build towards a comfortable retirement without missing out on tax breaks
Community discount ends July 2nd
This might sound familiar
Dutch pensions simply are complicated, and I get that the thought of having to figure it all out makes you overwhelmed in a way that you can physically feel. I’ve felt that way about many things when I moved to a different country. It can make things feel a bit shaky because your support network here isn’t as big as it is back home.
Most information is in Dutch and it’s not like you’ve got a relative living in this country you can ask for help. So you just do what you did and keep hoping that you’ll be fine.
And besides, you tell yourself, your life is pretty comfortable right now. Frankly, it doesn’t feel like a ‘right now’ problem and there are more urgent fires to put out. So this goes in the ‘denial’ section in your brain until you finally ‘will have time’.
I hate to break it to you, but that ‘extra free time’ is not going to come. And whilst you keep putting it off, you’re missing out on valuable years of making your money work for you. Years that can make the difference between comfortable retirement and wondering how you’re going to make ends meet once you stop working. Even if you end up moving to a different country.
Don’t want to be part of the 4 out of 10 women in their 30s and 40s who are underfunding their pension?
You’re in the right place, my friend
Message after our
last session
You’ll receive an email within minutes with the next steps
If you’re saying to yourself “I’ll deal with pensions later’, this is for you.
What if I told you that getting on top of your pension this year will be one of the strongest wealth building moves you can make? One that doesn’t need you to work harder or make more money.
Going all in on my pension early on is one of the main reasons I become work optional at 35. I could do that, because my university degree taught me about pensions. So I knew to jump in right away.
If you don’t have a MSc in tax, it’s unlikely anyone every sat you down and taught you this stuff. Let alone about Dutch pensions if you didn’t grow up here. And it’s not like the information about it is easy to compile or digest. Which I still think is absurd. Everybody should have access to knowing this!
How would it feel when you know you’ll be able to do the things you love the most in retirement, without having to make ends meet? To know you can still afford the lifestyle you have today, because you took action today?
That’s why I designed this 1 hour deep dive, in English, to clear away the financial fog and demystify all the jargon that is impossible to pronounce in the first place.
It’s time to give your pension the love it deserves.
July 29th, 19:30
Replay available, but only for sign ups
Regular Tickets: €55,-
Elevate Community: €27,-,
Community discount ends July 2nd
60 minutes future you will thank you for when she’s putting her feet up in retirement
In just 60 minutes you’ll walk away
Free from that little voice telling you that you’re ignoring something important
With a clear step-by-step checklist of how to calculate how much you should be contributing and how to claim your pension related tax credits
Avoiding the number one mistake that makes so many women miss out on tens of thousands of euro’s when they retire
Knowing exactly how to decide if extra money should go into your pension or a ‘regular’ investment account
How to figure out how your Dutch pension would be treated in your home country
A true understanding of how pensions work, a super power that will make you money for years to come
This offer ends Sunday July 2nd
Join and learn why pensions are your ultimate secret weapon to financial freedom!
You’re working hard for your money.
It’s about time you make it return the favour.
Don’t waste another 6 months thinking ‘I really need to figure this out’.
Join me for 60 minutes and make sure you’re letting your money work hard for you, so you can not just survive, but actually enjoy life when you retire.
This is what happens after you sign up:
You’ll receive an email confirming your purchase within minutes
At least 10 days prior to the deep dive, you’ll receive an email with your unique link to create your login as well as a link to a form. This form allows you to ask your questions prior to the session. I always use this, so we don’t have a generic session but one that is tailored to your needs
Once you’ve created your login, you’ll get a calendar invite and a reminder email on the day itself
24 hours after the deep dive you’ll receive a link to the recording, your step by step checklist outlining which documents you need, where to find them and what to do, a Dutch pensions FAQ guide and the decision tree for deciding if extra money should go into your pension or regular investment account
July 29
19:30 - 20:30
Pensions Decoded
€ 55,- 27,-
Community discount ends Sunday July 2nd
Client Responses
“The thing I’m most grateful for is that I found out about your coaching now and not in five years time. This will make an insane difference down the line. ”
— Teresa“Holy Sh*t. You’re saying that I can do this every year and get a tax break EVERY YEAR? ”
— Charlotte“Laura has a unique ability to guide you almost effortlessly. She creates a comfortable space where you naturally start to see the path to your goals. ”
— Nuri“You’ve made something that literally made my stomach ache feel easy and extremely doable. Not sure I’d call it fun yet. Although the extra money is fun! ”
— AnnaPensions are the nerdy girl in the movie who gets a make over:
She was already a 10, but only a few people realised.
Frequently Asked Questions
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If you’re employed in the Netherlands, and you’d struggle if a friend asked you over coffee to explain the pensions system to her, these are the sessions for you.
Especially when you’ve moved from abroad, or just had a major plot twist hurled at you (divorce, being single again), getting on top of your pension is one of the most important things to build financial stability.
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No, definitely not.
Each session focusses on the specific legislation and ways to optimise your tax breaks of that country. So the UK session will focus purely on what’s relevant to the UK, and the NL one will focus on what is relevant for the Netherlands.
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This is financial education and guidance.
I don’t know enough about your personal situation to give you advice. Nobody who teaches does.
Instead, I’m giving you the tools, knowledge and checklists to make your own decisions. Not just now, but also in the future. -
Yes, the sessions are recorded and all sign ups receive a link to the recording.
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Yes! That’s the main reason I keep these groups small and limit the number of seats per deep dive.
You’ll be sent a link to a form where you can input your questions about 10 days before the deep dive.
Additionally, I always leave time at the end to take questions.
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The sessions are in English.
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No, you do not.
Personal finance and money can feel highly private. So to respect everyone’s privacy you won’t be visible to others joining the deep dive.
You do have access to the live chat during the session.
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If you want to do a full deepdive on your finances, I do offer 1:1 coaching.
Send me an email at hello@elevatepersonalfinance.com and I’ll get back to you.
Hi, I’m Laura, founder of Elevate
Financial freedom isn’t about showing off.
It’s about not lying awake at night worrying about money and having the power to create a life that truly makes you happy. Pensions are a key part in achieving that.
In fact, going all in on my pension early on is one of the main things that allowed me t become work optional at 35.
When I got divorced, I realised how rare it is for women to feel truly financially independent. But because I already understood how to manage my money, I was able to rebuild a life on my terms; choosing happiness, security, and freedom.
That’s the confidence I want for you.
When I moved from the Netherlands to the UK and got to experience all the joys of learning a new financial system, I decided that us women who’ve been through a plot twist need better support and information.
So I started Elevate to help women who’ve had to start over, due to moving country, divorce, widowhood or a combination of those things build a financial plan that not just lets them live their new life, but thrive.
I have a MSc in Fiscal Economics, built and sold a business, became financially free/work optional at 35 and am on my way to complete my Diploma for Advanced Financial Advisors (DipFA) in 2026.
In this deep dive, you’ll go from ‘Pensions are boring and complicated’ to ‘Pensions are going to be my secret weapon ’.
Trust me, once we’re at the end of it, you’ll wonder what actually took you so long to get started.
Don’t miss out. The last thing you want is to miss out on another year of making your money work for you.
Can’t wait to see you there!
Community offer ends Sunday July 2nd