Independent personal finance advice for expats

Secure your wealth and optimize your future in the Netherlands. We provide transparent, independent guidance on banking, investments, and tax planning tailored for high-tech professionals.

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1000+

Satisfied clients

5/5

★★★★★

Based on 102+ Google Reviews

Maximum benefit

Lifetime financial planning for high-tech professionals

Living in the Brainport region means managing a high-income career in a complex tax environment. As a core part of the Personce package, we don’t just help with your home; we align your savings, investments, and banking with your long-term goals. From navigating the 30% ruling to preparing for the 2028 Box 3 tax changes, we coordinate your entire financial journey under one roof.

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Specialized solutions for your financial goals

The financial needs of high-tech professionals go beyond simple banking. Whether you are planning your children's education, optimizing your investment portfolio, or managing your Box 3 assets, we engineer custom strategies that match your international lifestyle. These examples represent our most frequent requests, but we assist with every aspect of your personal finance.

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1000+ happy customers in the Brainport region

Investment and wealth growth

Whether you prefer to chart your own course or want expert guidance, we help you invest your savings for specific life events and long-term goals.

Banking for your children

Start saving early for your child's university or first home. We help you set up accounts that keep you in control while building their financial future.

Saving for your pension

Secure your long-term financial freedom by optimizing your pension strategy and tax benefits, ensuring a comfortable future in the Netherlands or abroad.

Box 3 and tax optimization

Get ahead of the 2028 shift to actual yield taxation. We help you optimize your assets under current and future Dutch tax laws to protect your net worth.

Demystifying Dutch personal finance

Navigating the Dutch banking and tax system requires a filter to eliminate the noise. We provide a factual breakdown of how to structure your assets and manage your day-to-day banking efficiently, without hidden costs or complex jargon.

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Banking and daily management

Easy access to mobile banking, credit cards, and high-interest savings accounts designed to work seamlessly for internationals.

Investment strategies

Navigate the Dutch investment landscape with portfolios that match your risk profile, from self-managed accounts to fully managed wealth solutions.

Asset protection

Strategic planning for your global assets, ensuring full compliance with Dutch regulations while maximizing your international buying power.

The financial roadmap: engineered for wealth

Financial audit

We review your current assets, income, and 30% ruling status to create a clear baseline for your financial future.

Strategy development

Whether it's saving for family goals or tax optimization, we build a tailored roadmap that evolves with your career in the Brainport region.

Implementation

We assist with opening the right accounts, setting up investment structures, or arranging responsible financing for your needs.

Lifetime monitoring

We proactively update your strategy as Dutch tax laws change (like the 2027/2028 shifts), ensuring you stay ahead of the curve.

Why we do it

The Brainport region competitive edge

High-tech professionals at companies like ASML and Philips face unique financial dynamics. With rapid changes to the 30% ruling and the upcoming overhaul of the Box 3 tax system, standard advice is no longer enough. Our local expertise ensures your personal finance is as innovative and fast-moving as the tech sector itself.

50+

Years of experience

Navigate the market with ease

Why a mortgage is only step one

A house is your biggest investment, but true financial peace of mind comes from a holistic approach. The Personce package integrates your mortgage, insurance, and personal finance into one seamless service, ensuring every Euro works toward your long-term success in the Netherlands.

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Full market coverage: we scan every financial partner

Unlike a traditional bank, we are not limited to our own products. We provide a 100% independent comparison of the entire Dutch financial market to secure the best rates and specialized expat conditions for you.

Testimonials

Trusted by 1000+ international professionals in the Brainport region

“Honestly, I couldn't be happier with the help I got from Joost and the team. Housing stuff can be pretty stressful, but they made the whole process super smooth from start to finish. Everything was streamlined and easy to follow. Highly recommend if you want to get things done without the headache!”

Vigneshwar

“As an expat, I had a very positive experience with the Personce team. They supported me throughout the mortgage process and the transfer of my house with clear explanations and regular updates, which made things smooth and stress-free. In my case, the time available was quite short, but they still managed to pull everything together on time. I really appreciated their effort and support, Highly Recommended!”

Dareer

“Highly recommend Personce for any financial advising. The staff is super nice and available for any questions or doubts (you need someone to hold your hand when making big decisions🥹). Working with them made everything go smoothly and MUCH faster than I expected. I was surprised how accurate their predictions were and how it materialised in a matter of 1 week.⭐️ ⭐️ ⭐️⭐️ ⭐️”

Sara

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Why Personce?

Independent guidance for your financial journey

Why Personce?

Independent financial planning: objective strategies across the market with transparent fixed fees and no hidden commissions.
Holistic wealth management: integrating banking, investments, and tax planning into one seamless international strategy.
Expat-first communication: translating intricate Dutch tax and finance laws into clear, actionable advice for your future.

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Have any questions?

Ready to optimize your financial future in the Brainport region?

Get 100% independent advice on your wealth, tax planning, and banking to maximize your long-term success in the Netherlands

Schedule a free of charge consultation