Discover what a financial advisor costs in the Netherlands. From financial plan to pension advice - compare rates and request free quotes.
Average cost for a financial advisor (per advice)
A financial advisor costs on average 100 to 200 euros per hour. For a complete financial plan you pay 400 to 1,500 euros. The exact rate depends on the complexity of your situation and the experience of the advisor. Specialized advice on investments or pensions is usually more expensive than a standard insurance audit.
A financial advisor is valuable for major financial decisions. Consider buying a house, planning your retirement, a divorce, starting a business or receiving an inheritance. Professional advice is also wise if you want to optimize your insurance package or start investing.
Financial advice comes in different forms. A financial plan provides a complete overview of your situation and future. Pension advice focuses specifically on your old age. Investment advice helps build wealth. Insurance screening checks whether you are properly insured and not double insured. Tax advice optimizes your tax position.
An independent financial advisor advises on the basis of the entire market and is not tied to specific products or providers. A tied advisor works on behalf of a specific bank or insurer. Since the commission ban in 2013, you pay the advisor directly. This makes the costs more transparent and the advice more objective.
Check whether the advisor has an AFM permit and is registered in the register. Ask about experience with your specific situation. Compare rates from at least three advisors and request a detailed quote. Look at reviews and ask around for recommendations. A good advisor takes the time to understand your situation before giving advice.
| Service | From | To | Unit |
|---|---|---|---|
| Financial plan | €400 | €1500 | total |
| Pension advice | €300 | €1000 | total |
| Investment advice | €250 | €1200 | total |
| Examine insurance package | €150 | €500 | total |
| Hourly rate financial advisor | €100 | €200 | per hour |
| Tax return | €75 | €300 | per declaration |
A complete financial plan is more expensive than a one-off consultation about insurance. The broader the advice, the higher the costs.
A DGA with multiple BVs, investments and international tax obligations pays more than someone in employment with a standard situation.
Some advisors work on an hourly basis (100-200 euros per hour), others charge a fixed rate per advisory process. Commissioning on products has been largely prohibited since 2013.
A continuous advice subscription costs 50 to 150 euros per month but offers continuous guidance. One-off advice is cheaper but does not provide follow-up.
The hourly rate of a financial advisor in 2026 will be between 100 and 200 euros. Experienced advisors and specialized offices charge higher rates. Many advisors work with fixed rates per advisory process instead of on an hourly basis.
For most people, financial advice pays off at the important moments: when buying a house, retirement, divorce or setting up a business. A good advisor often saves you more than the advice costs.
A financial plan is a complete overview of your financial situation including income, expenses, assets, debts, pensions and insurance. Based on this, the advisor makes recommendations to achieve your financial goals.
Yes, financial advisors who advise on mortgages, insurance, investments or other financial products must have a license from the AFM (Financial Markets Authority). Always check this via the AFM register.
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