Financial planning
Financial planning means that the specialists at Koenen en Co draw up a coherent plan for your private capital and business assets. Financial structures and all sorts of legislation are becoming increasingly complex, leading to a growing need for a more systematic and integrated approach of the financial situation.

Pictured: (l) Frans Swinkels of Adams Musical Instruments of Ittervoort and (r) Robert Heunen of  Koenen en Co of Sittard.Koenen en Co has specialists in its organisation for all its services. The same is true for financial planning, which is an integral part of the Koenen en Co organisation. At the end of 1998, Mr G.L.N. Armino became the first person in the Netherlands to be awarded the official certificate of "Master of Financial Planning". As a result, Koenen en Co has had the necessary expertise and experience in this field for a considerable length of time.

In brief, financial planning involves the specialists at Koenen en Co developing a coherent plan for the private capital and business assets of the client. Financial structures and regulations of all sorts are becoming increasingly complex, leading to a growing need for a systematic and integrated approach in managing the client's financial situation.

"Integrated" means that different areas are aligned with each other, such as (life) assurance, pensions, savings, investments, social security, financing, estate planning and taxation. Good financial planning takes account of the following operational areas:

• income planning
  
• capital planning
  
• estate planning