Life clock

Every age has its topics.

Life does not follow a plan – but much can be thought ahead. Turn the hand to your age and see which financial topics are coming up now.

Your topics at 35

0–17 years

Parents lay the foundation: cover for the children and an early start on saving.

18–25 years

First flat, first salary: now a solid basic cover and good habits count.

26–35 years

Partnership, family, career: those who carry responsibility protect themselves and their loved ones.

36–50 years

Income rises and decisions get bigger: home ownership, self-employment, targeted wealth building.

51–64 years

The key decisions for retirement are made now – with time, taxes can be saved and gaps closed.

65+ years

Now your assets should work for you – reliably, predictably and in good order for the next generation.

Overview

All phases of life at a glance

0–17
Childhood & youth
Parents lay the foundation: cover for the children and an early start on saving.
Child insurance · Education savings · Health insurance for children
18–25
Starting out
First flat, first salary: now a solid basic cover and good habits count.
Liability & household · Optimise health insurance · Open pillar 3a
26–35
Building up
Partnership, family, career: those who carry responsibility protect themselves and their loved ones.
Disability cover · Life cover for the family · Saving for a home · Building wealth
36–50
Established
Income rises and decisions get bigger: home ownership, self-employment, targeted wealth building.
Mortgage & home · Pension fund buy-in · Comparing investment products · Cover as a business owner
51–64
Preparing for retirement
The key decisions for retirement are made now – with time, taxes can be saved and gaps closed.
Retirement planning · Lump sum or annuity · Mortgage in retirement · Tax optimisation
65+
Retirement
Now your assets should work for you – reliably, predictably and in good order for the next generation.
Withdrawal plan · Estate & inheritance · Adjust insurance

The life clock is a guide. Every situation is different – in a personal conversation we take a close look at yours.

First meeting

The first meeting is free and without obligation – at your home, at your business or via video.