Yes, if you hired the pension advisor after January 1, 2023.

No, the Pension Incentive is determined on the basis of the number of employees at the time of application.

No, this is not mandatory, but it is recommended due to the complexity of the choices involved. For this reason, many pension providers collaborate with intermediaries, such as pension advisors.

It is best to ask such questions to an independent pension advisor.

Yes. Most pension providers have an online environment to consult this type of data.

A pension provider refers to a pension fund, insurer, or premium pension institution (PPI) that facilitates pension accrual for employees. These organizations are legally recognized as eligible providers of pension schemes.

The employer is the determining factor, but all employees must sign a pension agreement. The pension agreements are issued by the pension provider when activating the pension scheme.

Hiring a pension advisor will cost between €1,500 and €3,000. This will be higher if the pension advisor also manages the pension scheme.

The costs vary depending on the pension provider, but they are typically around €500 as a one-time fee and €100 per month. These costs may be higher if additional coverage is included, such as disability insurance (continued premium payment in case of disability) or survivor’s pension (benefits in case of death before retirement).