deWaardKramer

Securing an income after retirement and during incapacity is something which business owners have to arrange for themselves and their staff. We can advise you on the most suitable form of income provision, one that fits in with your legal structure, profit outlook, tax position and financial situation. Savings plans for employees are also matters which can give you headaches and "red tape". We will be happy to help out.

Director's pension

Employers can and should set up a pension scheme for their staff. A director who is also a major shareholder (a `DGA') can also build up a pension as an employee of his or her private limited company (BV). The BV can decide whether to build up the pension itself or to wholly or partly reinsure it.

deWaardKramer can advise you on the advantages and disadvantages and on the tax aspects. We use the best professional computing software available to calculate the correct tax and commercial valuations of accumulated pension benefits.

deWaardKramer has a Pension Practice Group.

Incapacity for work

Depending on the risk which you can or want to bear as a business owner, it may be prudent to make provision to safeguard your income if you are unable to work. We can give you detailed information on this.

Life-cycle and employee savings schemes

As an employer you can offer your employees two ways to save in a tax-efficient way: a life-cycle savings scheme and an employee savings scheme. We can calculate the financial and tax implications of both schemes. Both will require some adjustments to your payroll accounting systems. deWaardKramer is very familiar with this area and will be happy to advise.