{"id":11641,"date":"2026-07-29T11:03:21","date_gmt":"2026-07-29T11:03:21","guid":{"rendered":"https:\/\/www.keesdeboekhouder.nl\/?p=11641"},"modified":"2026-07-29T11:06:46","modified_gmt":"2026-07-29T11:06:46","slug":"financieel-adviseur-voor-zzpers-wanneer-schakel-je-er-een-in-plus-tips","status":"publish","type":"post","link":"https:\/\/www.keesdeboekhouder.nl\/nl\/financieel-adviseur-voor-zzpers-wanneer-schakel-je-er-een-in-plus-tips\/","title":{"rendered":"Financieel adviseur voor zzp\u2019ers: wanneer schakel je er \u00e9\u00e9n in? + tips voor zzp\u2019ers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11641\" class=\"elementor elementor-11641\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55a3d367 e-con-full e-flex e-con e-parent\" data-id=\"55a3d367\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-72e54fe4 e-con-full e-flex e-con e-child\" data-id=\"72e54fe4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5e95a852 e-con-full e-flex e-con e-child\" data-id=\"5e95a852\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a0ce2c2 e-con-full e-flex e-con e-child\" data-id=\"7a0ce2c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1508b4df elementor-hidden-mobile elementor-widget elementor-widget-post-info\" data-id=\"1508b4df\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"categorie-buttons\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-a89eb26 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/category\/blogs\/\" class=\"elementor-post-info__terms-list-item\">Blogs<\/a>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39c48893 elementor-hidden-tablet elementor-hidden-desktop elementor-widget elementor-widget-post-info\" data-id=\"39c48893\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-a89eb26 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/category\/blogs\/\" class=\"elementor-post-info__terms-list-item\">Blogs<\/a>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b4ebaae elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-breadcrumbs\" data-id=\"2b4ebaae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/\">Home<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa80999 elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"aa80999\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Financieel adviseur voor zzp\u2019ers: wanneer schakel je er \u00e9\u00e9n in? + tips voor zzp\u2019ers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a5abe3 elementor-author-box--image-valign-middle elementor-widget elementor-widget-author-box\" data-id=\"8a5abe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/Untitled-design-5.jpg\" alt=\"Foto van Ties Klievink\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tTies Klievink\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Financieel planner bij North Financials<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-605de210 elementor-hidden-tablet elementor-widget elementor-widget-post-info\" data-id=\"605de210\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-7ac6fa5 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-clock\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm61.8-104.4l-84.9-61.7c-3.1-2.3-4.9-5.9-4.9-9.7V116c0-6.6 5.4-12 12-12h32c6.6 0 12 5.4 12 12v141.7l66.8 48.6c5.4 3.9 6.5 11.4 2.6 16.8L334.6 349c-3.9 5.3-11.4 6.5-16.8 2.6z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\tleestijd: 8 minuten\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-03c6a94 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12 192h424c6.6 0 12 5.4 12 12v260c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V204c0-6.6 5.4-12 12-12zm436-44v-36c0-26.5-21.5-48-48-48h-48V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H160V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H48C21.5 64 0 85.5 0 112v36c0 6.6 5.4 12 12 12h424c6.6 0 12-5.4 12-12z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>29\/07\/2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38ecf53d e-flex e-con-boxed e-con e-parent\" data-id=\"38ecf53d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-408cbfc4 elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"408cbfc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tJe draait al een tijdje mee als zzp\u2019er. De opdrachten komen binnen, je rekening groeit en je hebt je plek gevonden. Maar terwijl jij hard werkt aan je bedrijf, ontstaan er vragen die je misschien voor je uitschuift: Wat doe ik met mijn pensioen? Heb ik een AOV nodig? Kan ik straks \u00fcberhaupt een hypotheek krijgen?\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56a125 e-flex e-con-boxed e-con e-parent\" data-id=\"56a125\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-32519c9b e-con-full e-flex e-con e-child\" data-id=\"32519c9b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-762b51bf elementor-widget elementor-widget-text-editor\" data-id=\"762b51bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">We snappen het: dit zijn niet de leukste onderwerpen. Maar ze zijn belangrijk. Want goed verdienen als zzp\u2019er is \u00e9\u00e9n ding, maar dat geld ook slim behouden is een tweede. In deze blog krijg je tips over de vijf belangrijkste financi\u00eble thema\u2019s voor zzp\u2019ers, en leggen we uit wanneer financieel advies voor zzp\u2019ers je verder helpt. <\/span><i><span style=\"font-weight: 400;\">Deze blog wordt je aangeboden in samenwerking met <\/span><\/i><a href=\"https:\/\/north-financials.com\/\" rel=\"sponsored\"><i><span style=\"font-weight: 400;\">North Financials<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">.<\/span><\/i>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55ce6c53 e-con-full e-flex e-con e-child\" data-id=\"55ce6c53\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-542da746 e-con-full e-flex e-con e-child\" data-id=\"542da746\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7911e590 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7911e590\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-book-open\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M542.22 32.05c-54.8 3.11-163.72 14.43-230.96 55.59-4.64 2.84-7.27 7.89-7.27 13.17v363.87c0 11.55 12.63 18.85 23.28 13.49 69.18-34.82 169.23-44.32 218.7-46.92 16.89-.89 30.02-14.43 30.02-30.66V62.75c.01-17.71-15.35-31.74-33.77-30.7zM264.73 87.64C197.5 46.48 88.58 35.17 33.78 32.05 15.36 31.01 0 45.04 0 62.75V400.6c0 16.24 13.13 29.78 30.02 30.66 49.49 2.6 149.59 12.11 218.77 46.95 10.62 5.35 23.21-1.94 23.21-13.46V100.63c0-5.29-2.62-10.14-7.27-12.99z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d54464d elementor-widget elementor-widget-heading\" data-id=\"d54464d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Inhoudsopgave<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3963b8d3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3963b8d3\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mijn-icoonlijst\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#tip-1-bouw-een-financiele-buffer-met-liquiditeit\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">1. Tip 1: bouw een financi\u00eble buffer met liquiditeit<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#tip-2-pensioen-opbouwen-als-zzper-begin-nu-bepaal-wat-voor-jou-telt\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">2. Tip 2: pensioen opbouwen als zzp\u2019er: begin nu, bepaal wat voor jou telt<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#tip-3-aov-voor-zzpers-verdiep-je-in-de-regels\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">3. Tip 3: AOV voor zzp\u2019ers: verdiep je in de regels<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#tip-4-hypotheek-als-zzper-wat-de-bank-wil-zien\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">4. Tip 4: hypotheek als zzp\u2019er: wat de bank wil zien<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#tip-5-beleggen-als-zzper-kansen-en-spelregels\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">5. Tip 5: beleggen als zzp\u2019er: kansen en spelregels<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#wanneer-heb-je-een-financieel-adviseur-nodig-als-zzper\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">6. Wanneer heb je een financieel adviseur nodig als zzp\u2019er?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#de-belangrijkste-punten\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">7. De belangrijkste punten<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3bd1d7dd e-con-full e-flex e-con e-child\" data-id=\"3bd1d7dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-549ca7dc e-con-full e-flex e-con e-child\" data-id=\"549ca7dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18faf788 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"18faf788\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>1<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bb4be53 elementor-widget elementor-widget-heading\" data-id=\"3bb4be53\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"tip-1-bouw-een-financiele-buffer-met-liquiditeit\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tip 1: bouw een financi\u00eble buffer met liquiditeit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c9199d3 e-con-full e-flex e-con e-child\" data-id=\"3c9199d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16f8381 elementor-widget elementor-widget-text-editor\" data-id=\"16f8381\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Als zzp\u2019er heb je geen vakantiegeld, geen loondoorbetaling bij ziekte en geen dertiende maand. Dat weet je. Maar hoe zit het met jouw buffer? In de praktijk schuiven veel zelfstandigen dit op. Tot het er \u00e9cht van moet komen en dan is het soms te laat.<\/span><\/p><p><span style=\"font-weight: 400;\">Een gezonde financi\u00eble buffer voor een zzp\u2019er is minimaal drie tot zes maanden aan vaste lasten. Dat geeft je de ruimte om een stille periode op te vangen, een opdracht te weigeren die niet bij je past en keuzes te maken vanuit overvloed in plaats van schaarste.<\/span><\/p><p><span style=\"font-weight: 400;\">Een buffer is meer dan een spaardoel. Het gaat ook om liquiditeit: je moet bij je geld kunnen op het moment dat het nodig is. Een buffer die vastzit in een product met opzegtermijn of boeteclausule is geen echte buffer. Zet dit geld op een direct opvraagbare spaarrekening, apart van je dagelijkse zakelijke rekening. <\/span><b><\/b><span style=\"font-weight: 400;\">Maak bijvoorbeeld een aparte subrekening voor je buffer aan bij je zakelijke rekening. Zo zie je in \u00e9\u00e9n oogopslag wat er staat, geef je het niet per ongeluk uit, en heb je het direct beschikbaar als het nodig is.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-314088ff e-con-full e-flex e-con e-child\" data-id=\"314088ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-618bcf3a e-con-full e-flex e-con e-child\" data-id=\"618bcf3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e855501 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e855501\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dca305a elementor-widget elementor-widget-heading\" data-id=\"1dca305a\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"tip-2-pensioen-opbouwen-als-zzper-begin-nu-bepaal-wat-voor-jou-telt\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tip 2: pensioen opbouwen als zzp\u2019er: begin nu, bepaal wat voor jou telt<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f399567 elementor-widget elementor-widget-text-editor\" data-id=\"5f399567\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Als zzp\u2019er bouw je geen pensioen op via een werkgever. Dat betekent dat er stiekem een pensioengat groeit, ook als je het nu goed doet. Hoe langer je wacht, hoe groter dat gat wordt.<\/span><\/p><p><span style=\"font-weight: 400;\">Maar voordat je kiest voor een product, is er een nog belangrijkere vraag: wat wil jij eigenlijk later? Wanneer wil je kunnen stoppen met werken? Hoeveel inkomen heb je dan nodig? Pensioen opbouwen als zzp\u2019er draait uiteindelijk om \u00e9\u00e9n ding: genoeg vermogen opbouwen zodat je niet meer hoeft te werken voor inkomen. Of dat via pensioenbeleggen gaat, een gewone beleggingsrekening of spaargeld: het gaat om het doel, niet het label.<\/span><\/p><p><span style=\"font-weight: 400;\">Maak pensioensparen een vast gedragspatroon, net als belasting reserveren. Bepaal een vast bedrag of percentage dat je maandelijks wegzet en automatiseer het. Pas zodra dat gewoon is, kijk je naar fiscale optimalisatie.<\/span><\/p><p><b>Jaarruimte: <\/b><span style=\"font-weight: 400;\">als zzp\u2019er kun je via de jaarruimte belastingvrij inleggen in een pensioenproduct, zoals lijfrente <\/span><span style=\"font-weight: 400;\">of banksparen. Dat levert direct belastingvoordeel op. Maar er zit een keerzijde aan: fiscaal voordelig pensioensparen gaat ten koste van flexibiliteit. Je geld is pas beschikbaar op je pensioendatum en tussentijds opnemen brengt boetes mee. Weeg dit bewust af, zeker als je inkomen nog schommelt.<\/span><\/p><p><b>Wat levert vroeg beginnen op? De rekensom<br \/><\/b><span style=\"font-weight: 400;\">De kracht van rente op rente is enorm, maar wordt chronisch onderschat. Stel: je legt maandelijks \u20ac500 in bij 5% gemiddeld jaarrendement.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Begin op je 30e \u2192 na 30 jaar (op je 60e) heb je ca. \u20ac416.000 opgebouwd, waarvan \u20ac180.000 ingelegd en \u20ac236.000 rendement.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Begin op je 40e \u2192 na 20 jaar (op je 60e) heb je ca. \u20ac206.000 opgebouwd, waarvan \u20ac120.000 ingelegd en \u20ac86.000 rendement.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Hetzelfde maandbedrag, maar meer dan twee ton verschil. Volledig door \u00e9\u00e9n factor: tijd. Begin nu, ook al is het een klein bedrag. Je kunt altijd later opschalen.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d01d514 e-con-full e-flex e-con e-child\" data-id=\"5d01d514\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6544d8e3 e-con-full e-flex e-con e-child\" data-id=\"6544d8e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ef74e6d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2ef74e6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M176 80c-52.94 0-96 43.06-96 96 0 8.84 7.16 16 16 16s16-7.16 16-16c0-35.3 28.72-64 64-64 8.84 0 16-7.16 16-16s-7.16-16-16-16zM96.06 459.17c0 3.15.93 6.22 2.68 8.84l24.51 36.84c2.97 4.46 7.97 7.14 13.32 7.14h78.85c5.36 0 10.36-2.68 13.32-7.14l24.51-36.84c1.74-2.62 2.67-5.7 2.68-8.84l.05-43.18H96.02l.04 43.18zM176 0C73.72 0 0 82.97 0 176c0 44.37 16.45 84.85 43.56 115.78 16.64 18.99 42.74 58.8 52.42 92.16v.06h48v-.12c-.01-4.77-.72-9.51-2.15-14.07-5.59-17.81-22.82-64.77-62.17-109.67-20.54-23.43-31.52-53.15-31.61-84.14-.2-73.64 59.67-128 127.95-128 70.58 0 128 57.42 128 128 0 30.97-11.24 60.85-31.65 84.14-39.11 44.61-56.42 91.47-62.1 109.46a47.507 47.507 0 0 0-2.22 14.3v.1h48v-.05c9.68-33.37 35.78-73.18 52.42-92.16C335.55 260.85 352 220.37 352 176 352 78.8 273.2 0 176 0z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dbe409c elementor-widget elementor-widget-heading\" data-id=\"5dbe409c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Tip<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27b3984 elementor-widget elementor-widget-text-editor\" data-id=\"27b3984\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Wil je weten hoe groot jouw pensioengat is en hoe je jouw jaarruimte berekent? Een financieel adviseur voor zzp\u2019ers helpt je dit concreet in kaart brengen.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78635193 e-con-full e-flex e-con e-child\" data-id=\"78635193\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4521e83d e-con-full e-flex e-con e-child\" data-id=\"4521e83d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fb5ebfe elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2fb5ebfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>3<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d05ba8 elementor-widget elementor-widget-heading\" data-id=\"4d05ba8\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"tip-3-aov-voor-zzpers-verdiep-je-in-de-regels\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tip 3: AOV voor zzp\u2019ers: verdiep je in de regels<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e578c05 elementor-widget elementor-widget-text-editor\" data-id=\"5e578c05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">De <\/span><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/aov-zzp\/\"><span style=\"font-weight: 400;\">arbeidsongeschiktheidsverzekering voor zzp\u2019ers<\/span><\/a><span style=\"font-weight: 400;\">, beter bekend als de AOV, is \u00e9\u00e9n van de meest uitgestelde beslissingen onder zelfstandigen. Je zult misschien denken: \u201cIk ben gezond, dat overkomt mij niet.\u201d Maar een AOV is er juist voor de momenten die je niet ziet aankomen: burn-out, een ongeluk, een langdurige ziekte.<\/span><\/p><p><span style=\"font-weight: 400;\">Er is veel aan het veranderen op het gebied van wetgeving, waardoor een AOV voor de meeste zzp\u2019ers binnenkort verplicht wordt. Het is daarom belangrijk om je hierin te verdiepen. Zoek de volgende dingen uit:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wordt een AOV voor jou verplicht?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is de basisverzekering vanuit de overheid voor jou een goede optie, of sluit je een particuliere AOV af?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Welk inkomensniveau wil je zeker stellen?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hoe lang kun je overbruggen v\u00f3\u00f3r de uitkering ingaat (de wachttijd)? Hoe langer de wachttijd, hoe lager de premie.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tot welke leeftijd heb je dekking nodig? Je hebt niet perse dekking nodig tot je 67e als je eerder wilt stoppen.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a8057a e-con-full e-flex e-con e-child\" data-id=\"3a8057a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27be9c4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"27be9c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-info\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M20 424.229h20V279.771H20c-11.046 0-20-8.954-20-20V212c0-11.046 8.954-20 20-20h112c11.046 0 20 8.954 20 20v212.229h20c11.046 0 20 8.954 20 20V492c0 11.046-8.954 20-20 20H20c-11.046 0-20-8.954-20-20v-47.771c0-11.046 8.954-20 20-20zM96 0C56.235 0 24 32.235 24 72s32.235 72 72 72 72-32.235 72-72S135.764 0 96 0z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b69bb44 e-con-full e-flex e-con e-child\" data-id=\"b69bb44\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e953f10 elementor-widget elementor-widget-text-editor\" data-id=\"e953f10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Lees alles over de AOV in de blog: AOV voor zzp\u2019ers: wat je moet weten over kosten, aftrek en de verplichte AOV <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-565b09e elementor-widget elementor-widget-button\" data-id=\"565b09e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/aov-zzp\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Naar de blog<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-739acedb e-con-full e-flex e-con e-child\" data-id=\"739acedb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-132bc0c2 e-con-full e-flex e-con e-child\" data-id=\"132bc0c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33e61ad elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"33e61ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>4<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33eb3b72 elementor-widget elementor-widget-heading\" data-id=\"33eb3b72\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"tip-4-hypotheek-als-zzper-wat-de-bank-wil-zien\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tip 4: hypotheek als zzp\u2019er: wat de bank wil zien<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2306677e elementor-widget elementor-widget-text-editor\" data-id=\"2306677e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Een woning kopen als zzp\u2019er is zeker mogelijk, maar banken beoordelen zelfstandigen nu eenmaal anders dan mensen in loondienst. Weten wat de bank wil zien, maakt het verschil tussen een \u2018nee\u2019 en een sleutel in je hand.<\/span><\/p><p><b>Waar kijkt de bank naar?<br \/><\/b>De meeste banken gebruiken de gemiddelde nettowinst over de afgelopen drie jaar als basis voor je maximale hypotheek. Niet je omzet, maar wat je daadwerkelijk overhoudt na kosten. Soms volstaat twee jaar, afhankelijk van de geldverstrekker. <span style=\"font-weight: 400;\">Verder let de bank op het volgende:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\">De stabiliteit van je inkomen: schommelingen tussen jaren worden kritisch bekeken.<\/span><\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\">Je financi\u00eble reserves: eigen vermogen en een buffer geven vertrouwen.<\/span><\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\">Je bedrijfsstructuur: een eenmanszaak wordt anders beoordeeld dan een bv.<\/span><\/p><\/li><\/ul><p><b>Waar moet jij n\u00fa al over nadenken?<br \/><\/b>Wil je over een paar jaar als zzp\u2019er een hypotheek? Zorg dan nu al voor een overzichtelijke boekhouding, bouw reserves op en zorg dat je financi\u00eble plaatje er sterk uitziet. Een goede boekhouder \u2014 zoals de boekhouders van Kees de Boekhouder \u2014 helpt je daarbij. Want banken willen een verhaal zien wat klopt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4559efa e-con-full e-flex e-con e-child\" data-id=\"4559efa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6589367 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6589367\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chart-area\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 384c6.6 0 12 5.4 12 12v40c0 6.6-5.4 12-12 12H12c-6.6 0-12-5.4-12-12V76c0-6.6 5.4-12 12-12h40c6.6 0 12 5.4 12 12v308h436zM372.7 159.5L288 216l-85.3-113.7c-5.1-6.8-15.5-6.3-19.9 1L96 248v104h384l-89.9-187.8c-3.2-6.5-11.4-8.7-17.4-4.7z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-555c266 e-con-full e-flex e-con e-child\" data-id=\"555c266\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be260a2 elementor-widget elementor-widget-text-editor\" data-id=\"be260a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Houd je nettowinst structureel bij via je boekhouding. Met het <\/span><span style=\"font-weight: 400;\">dashboard<\/span><span style=\"font-weight: 400;\"> van Kees de Boekhouder wordt dit een fluitje van een cent!<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9abe518 elementor-widget elementor-widget-button\" data-id=\"9abe518\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/dashboard\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ontdek de tool<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ce98b7 elementor-widget elementor-widget-text-editor\" data-id=\"4ce98b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Veel starters zien dit over het hoofd: een te hoge hypotheek als zzp\u2019er kan een directe rem zetten op je ondernemersvrijheid. Hoge vaste lasten betekenen dat je minder ruimte hebt voor een mindere maand, een klant die je weigert of een investering die je wil doen. Denk er dus over na wat jij aan hypotheeklasten kan dragen gezien jouw fase als ondernemer, nu en in de toekomst.<\/span><b>\u00a0<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3c1a93 e-con-full e-flex e-con e-child\" data-id=\"f3c1a93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-308b29e e-con-full e-flex e-con e-child\" data-id=\"308b29e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-212a5d5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"212a5d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>5<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc0ff62 elementor-widget elementor-widget-heading\" data-id=\"bc0ff62\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"tip-5-beleggen-als-zzper-kansen-en-spelregels\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tip 5: beleggen als zzp\u2019er: kansen en spelregels<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7609942 elementor-widget elementor-widget-text-editor\" data-id=\"7609942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Hou je maandelijks geld over na je buffer en vaste lasten? Dan kan beleggen als zzp\u2019er een interessante volgende stap zijn. Op de lange termijn levert het historisch gezien meer op dan sparen. En het helpt je pensioengat te dichten zonder dat je geld fiscaal vastzit. Wil je weten hoeveel ruimte jij hebt om te beleggen? Je buffer, pensioeninleg en box 3-situatie zijn dan belangrijk. Een financieel adviseur voor zzp\u2019ers kan dit het beste voor je op een rij zetten. Weeg om te beginnen de volgende voordelen en risico&#8217;s tegen elkaar af:<\/span><\/p><p><b>Voordelen<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\">Op de lange termijn levert beleggen historisch gezien meer rendement op dan sparen.<\/span><\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\">Je laat je geld voor je werken, ook als jij niet werkt.<\/span><\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\">Met gespreide beleggingen, zoals indexfondsen, hoef je geen beleggingsexpert te zijn.<\/span><\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\">In tegenstelling tot fiscaal pensioensparen blijft je geld flexibel opvraagbaar.<\/span><\/p><\/li><\/ul><p><b>Risico\u2019s en aandachtspunten<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\">Beleggingen kunnen in waarde dalen, soms fors en soms langdurig.<\/span><\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\">Beleggen is pas geschikt als je buffer en verzekeringen al op orde zijn.<\/span><\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><p><span style=\"font-weight: 400;\">Rendement is nooit gegarandeerd. Denk aan een tijdshorizon van minimaal 5\u201310 jaar.<\/span><\/p><\/li><\/ul><p><b>Belangrijke spelregel: beleggen doe je altijd priv\u00e9<br \/><\/b><span style=\"font-weight: 400;\">Een veelgemaakte fout is om te beleggen via je zzp-rekening. Dat kan niet zonder fiscale gevolgen. Beleggingen vallen in box 3 van de inkomstenbelasting en moeten priv\u00e9 worden aangehouden. Praktisch: je maakt geld over van je zakelijke naar je priv\u00e9rekening en belegt dat via een broker of beleggingsrekening op je eigen naam.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c26931f e-con-full e-flex e-con e-child\" data-id=\"c26931f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bb09df8 e-con-full e-flex e-con e-child\" data-id=\"bb09df8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f759089 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f759089\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>6<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88c9b4f elementor-widget elementor-widget-heading\" data-id=\"88c9b4f\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"wanneer-heb-je-een-financieel-adviseur-nodig-als-zzper\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wanneer heb je een financieel adviseur nodig als zzp\u2019er?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45cc75b elementor-widget elementor-widget-text-editor\" data-id=\"45cc75b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Buffer, pensioen, AOV, hypotheek, beleggen: het zijn vijf losse onderwerpen die in de praktijk nauw met elkaar samenhangen. Een keuze op het ene vlak be\u00efnvloedt het andere. Daarom kiezen veel zzp\u2019ers op een gegeven moment voor financieel advies.<\/span><\/p><p><span style=\"font-weight: 400;\">Maar wanneer heb je dat nou \u00e9cht nodig? Niet alles hoeft direct via een adviseur. Voor simpele vragen kun je een heel eind komen met een goede boekhouder en wat eigen onderzoek. Maar er zijn momenten waarop professioneel financieel advies voor zzp\u2019ers echt het verschil maakt:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Je weet niet waar je moet beginnen. <\/b><span style=\"font-weight: 400;\">Je hebt nog niets geregeld op het gebied van pensioen, AOV of buffer en weet niet wat voor jou het meest urgent is.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Je wil een specifiek product afsluiten. <\/b><span style=\"font-weight: 400;\">Denk aan een lijfrente, een hypotheek of een beleggingsrekening. Een financieel adviseur vergelijkt producten en begeleidt je bij de keuze.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Je situatie verandert. <\/b><span style=\"font-weight: 400;\">Je gaat meer verdienen, trouwt, koopt een huis of wil eerder stoppen met werken. Op zulke kantelmomenten loont het om het totaalplaatje te laten doorrekenen.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Je hebt geen overzicht. <\/b><span style=\"font-weight: 400;\">Je hebt van alles een beetje geregeld, maar weet niet of het samenhangt of voldoende is. Een financieel adviseur maakt het inzichtelijk.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Een goede financieel adviseur voor zzp\u2019ers helpt je niet alleen om de juiste producten te kiezen, maar ook om prioriteiten te stellen: wat is nu belangrijk en wat kan later? Zo hou je grip op je financi\u00eble situatie zonder dat je er zelf een dagtaak aan hebt.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0ff36ef e-con-full e-flex e-con e-child\" data-id=\"0ff36ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3a10dc elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e3a10dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M176 80c-52.94 0-96 43.06-96 96 0 8.84 7.16 16 16 16s16-7.16 16-16c0-35.3 28.72-64 64-64 8.84 0 16-7.16 16-16s-7.16-16-16-16zM96.06 459.17c0 3.15.93 6.22 2.68 8.84l24.51 36.84c2.97 4.46 7.97 7.14 13.32 7.14h78.85c5.36 0 10.36-2.68 13.32-7.14l24.51-36.84c1.74-2.62 2.67-5.7 2.68-8.84l.05-43.18H96.02l.04 43.18zM176 0C73.72 0 0 82.97 0 176c0 44.37 16.45 84.85 43.56 115.78 16.64 18.99 42.74 58.8 52.42 92.16v.06h48v-.12c-.01-4.77-.72-9.51-2.15-14.07-5.59-17.81-22.82-64.77-62.17-109.67-20.54-23.43-31.52-53.15-31.61-84.14-.2-73.64 59.67-128 127.95-128 70.58 0 128 57.42 128 128 0 30.97-11.24 60.85-31.65 84.14-39.11 44.61-56.42 91.47-62.1 109.46a47.507 47.507 0 0 0-2.22 14.3v.1h48v-.05c9.68-33.37 35.78-73.18 52.42-92.16C335.55 260.85 352 220.37 352 176 352 78.8 273.2 0 176 0z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d8ce97 e-con-full e-flex e-con e-child\" data-id=\"5d8ce97\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5800abc elementor-widget elementor-widget-text-editor\" data-id=\"5800abc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\"><a href=\"https:\/\/north-financials.com\/\" target=\"_blank\" rel=\"noopener\" rel=\"sponsored\">North Financials<\/a> is gespecialiseerd in financieel advies en planning voor zzp\u2019ers. Ze helpen je een helder plan opstellen dat past bij jouw leven en ambities.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31401f4 elementor-widget elementor-widget-button\" data-id=\"31401f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/north-financials.com\" target=\"_blank\" rel=\"sponsored\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Meer weten<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b5e667 e-con-full e-flex e-con e-child\" data-id=\"2b5e667\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f35d5ea e-con-full e-flex e-con e-child\" data-id=\"f35d5ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f9890d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8f9890d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>7<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e94f8bb elementor-widget elementor-widget-heading\" data-id=\"e94f8bb\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"de-belangrijkste-punten\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">De belangrijkste punten<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f633dc8 elementor-widget elementor-widget-text-editor\" data-id=\"f633dc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Blijf flexibel, zeker als je inkomen nog fluctueert. Liquiditeit is net zo belangrijk als rendement.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bepaal wat belangrijk is voor j\u00f3u. Niet elk financieel product past bij jouw situatie of levensfase.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zorg voor een compleet beeld: buffer, verzekeringen, pensioen, hypotheek en beleggingen hangen samen.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Met dat complete beeld kun je je focussen op wat je \u00e9cht leuk vindt: je bedrijf laten groeien.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c79bda3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6c79bda3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38d1b359 e-con-full e-flex e-con e-child\" data-id=\"38d1b359\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-720ed2a7 e-con-full e-flex e-con e-child\" data-id=\"720ed2a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c09ffd1 elementor-widget elementor-widget-image\" data-id=\"c09ffd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"260\" height=\"260\" src=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/Untitled-design-5.jpg\" class=\"attachment-large size-large wp-image-11645\" alt=\"\" srcset=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/Untitled-design-5.jpg 260w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/Untitled-design-5-150x150.jpg 150w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-413bfb31 e-con-full e-flex e-con e-child\" data-id=\"413bfb31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90a689f elementor-widget elementor-widget-heading\" data-id=\"90a689f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Over de auteur: Ties Klievink<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f795a elementor-widget elementor-widget-text-editor\" data-id=\"2f795a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><i>Ties is de founder van <a href=\"https:\/\/north-financials.com\/\" target=\"_blank\" rel=\"noopener\">North Financials<\/a> en daarnaast gecertificeerd financieel planner. Hij helpt dagelijks zzp&#8217;ers met hun financiele planning.<\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b9bffe6 e-con-full e-flex e-con e-child\" data-id=\"4b9bffe6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7929a1a2 elementor-widget elementor-widget-heading\" data-id=\"7929a1a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Klaar om kennis te maken?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40f2d029 elementor-widget elementor-widget-text-editor\" data-id=\"40f2d029\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ben je na het lezen van deze blog benieuwd naar hoe Kees de Boekhouder dagelijks ondernemers helpt met hun boekhouding? Plan dan een vrijblijvend gesprek met ons in!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e1023a elementor-widget elementor-widget-button\" data-id=\"9e1023a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/plan-gesprek\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Plan gesprek<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fde9d08 e-con-full elementor-hidden-tablet e-flex e-con e-child\" data-id=\"2fde9d08\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3d015ca2 e-con-full e-flex e-con e-child\" data-id=\"3d015ca2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-741744a9 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"741744a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-users\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96 224c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm448 0c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm32 32h-64c-17.6 0-33.5 7.1-45.1 18.6 40.3 22.1 68.9 62 75.1 109.4h66c17.7 0 32-14.3 32-32v-32c0-35.3-28.7-64-64-64zm-256 0c61.9 0 112-50.1 112-112S381.9 32 320 32 208 82.1 208 144s50.1 112 112 112zm76.8 32h-8.3c-20.8 10-43.9 16-68.5 16s-47.6-6-68.5-16h-8.3C179.6 288 128 339.6 128 403.2V432c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48v-28.8c0-63.6-51.6-115.2-115.2-115.2zm-223.7-13.4C161.5 263.1 145.6 256 128 256H64c-35.3 0-64 28.7-64 64v32c0 17.7 14.3 32 32 32h65.9c6.3-47.4 34.9-87.3 75.2-109.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tErvaringen\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tKees de Boekhouder\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a76d43 elementor-widget elementor-widget-text-editor\" data-id=\"62a76d43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8220;Makkelijk en overzichtelijk boekhoudprogramma met vriendelijke en behulpzame medewerkers&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4984f714 e-con-full e-flex e-con e-child\" data-id=\"4984f714\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-701b2ed4 elementor-widget elementor-widget-rating\" data-id=\"701b2ed4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-rating\" itemtype=\"https:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\">\n\t\t\t<meta itemprop=\"worstRating\" content=\"0\">\n\t\t\t<meta itemprop=\"bestRating\" content=\"5\">\n\t\t\t<div class=\"e-rating-wrapper\" itemprop=\"ratingValue\" content=\"5\" role=\"img\" aria-label=\"Waardering 5 van 5\">\n\t\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e774a53 elementor-widget elementor-widget-text-editor\" data-id=\"6e774a53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>(127 reviews)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cf0dfb7 elementor-widget elementor-widget-button\" data-id=\"6cf0dfb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/plan-gesprek\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Plan gesprek<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ec86580 e-con-full e-flex e-con e-child\" data-id=\"2ec86580\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-174ddbb3 elementor-widget elementor-widget-heading\" data-id=\"174ddbb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Direct contact<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-653131b9 e-con-full e-flex e-con e-child\" data-id=\"653131b9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5826fe72 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5826fe72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"tel:+310880899100\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15220df5 elementor-widget elementor-widget-html\" data-id=\"15220df5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"tel:+310880899100\" style=\"text-decoration: none; color: inherit;\">\n    <span style=\"font-size:14px;\">+31 (0)88-0899100<\/span>\n<\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c29b575 e-con-full e-flex e-con e-child\" data-id=\"c29b575\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ac8e46d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2ac8e46d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"mailto:info@keesdeboekhouder.nl\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70191f7b elementor-widget elementor-widget-html\" data-id=\"70191f7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"mailto:info@keesdeboekhouder.nl\" style=\"font-size:14px; text-decoration: none; color: inherit;\">\n    info@keesdeboekhouder.nl\n<\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1043bdf e-con-full e-flex e-con e-child\" data-id=\"1043bdf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d9625e4 elementor-widget elementor-widget-heading\" data-id=\"1d9625e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ontdek onze tool<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f5e067c e-con-full e-flex e-con e-child\" data-id=\"4f5e067c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5102fb0b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5102fb0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/dashboard\/\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-desktop\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M528 0H48C21.5 0 0 21.5 0 48v320c0 26.5 21.5 48 48 48h192l-16 48h-72c-13.3 0-24 10.7-24 24s10.7 24 24 24h272c13.3 0 24-10.7 24-24s-10.7-24-24-24h-72l-16-48h192c26.5 0 48-21.5 48-48V48c0-26.5-21.5-48-48-48zm-16 352H64V64h448v288z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ca51209 elementor-widget elementor-widget-html\" data-id=\"1ca51209\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/dashboard\/\"><span style=\"font-size:14px;\">Dashboard<\/span><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4269b969 e-con-full e-flex e-con e-child\" data-id=\"4269b969\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-553a78db elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"553a78db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/bonnetjes-scannen\/\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 442.7L405.3 343c-4.5-4.5-10.6-7-17-7H372c27.6-35.3 44-79.7 44-128C416 93.1 322.9 0 208 0S0 93.1 0 208s93.1 208 208 208c48.3 0 92.7-16.4 128-44v16.3c0 6.4 2.5 12.5 7 17l99.7 99.7c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.6.1-34zM208 336c-70.7 0-128-57.2-128-128 0-70.7 57.2-128 128-128 70.7 0 128 57.2 128 128 0 70.7-57.2 128-128 128z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76b12624 elementor-widget elementor-widget-html\" data-id=\"76b12624\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/bonnetjes-scannen\/\"><span style=\"font-size:14px;\">Scan & Herken<\/span><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12b2bf7d e-con-full e-flex e-con e-child\" data-id=\"12b2bf7d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72666b6a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"72666b6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/offertes-en-facturen\/\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-handshake\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M519.2 127.9l-47.6-47.6A56.252 56.252 0 0 0 432 64H205.2c-14.8 0-29.1 5.9-39.6 16.3L118 127.9H0v255.7h64c17.6 0 31.8-14.2 31.9-31.7h9.1l84.6 76.4c30.9 25.1 73.8 25.7 105.6 3.8 12.5 10.8 26 15.9 41.1 15.9 18.2 0 35.3-7.4 48.8-24 22.1 8.7 48.2 2.6 64-16.8l26.2-32.3c5.6-6.9 9.1-14.8 10.9-23h57.9c.1 17.5 14.4 31.7 31.9 31.7h64V127.9H519.2zM48 351.6c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16zm390-6.9l-26.1 32.2c-2.8 3.4-7.8 4-11.3 1.2l-23.9-19.4-30 36.5c-6 7.3-15 4.8-18 2.4l-36.8-31.5-15.6 19.2c-13.9 17.1-39.2 19.7-55.3 6.6l-97.3-88H96V175.8h41.9l61.7-61.6c2-.8 3.7-1.5 5.7-2.3H262l-38.7 35.5c-29.4 26.9-31.1 72.3-4.4 101.3 14.8 16.2 61.2 41.2 101.5 4.4l8.2-7.5 108.2 87.8c3.4 2.8 3.9 7.9 1.2 11.3zm106-40.8h-69.2c-2.3-2.8-4.9-5.4-7.7-7.7l-102.7-83.4 12.5-11.4c6.5-6 7-16.1 1-22.6L367 167.1c-6-6.5-16.1-6.9-22.6-1l-55.2 50.6c-9.5 8.7-25.7 9.4-34.6 0-9.3-9.9-8.5-25.1 1.2-33.9l65.6-60.1c7.4-6.8 17-10.5 27-10.5l83.7-.2c2.1 0 4.1.8 5.5 2.3l61.7 61.6H544v128zm48 47.7c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21dfeec6 elementor-widget elementor-widget-html\" data-id=\"21dfeec6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/offertes-en-facturen\/\"><span style=\"font-size:14px;\">Offertes & Facturen<\/span><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-263bf4f3 e-con-full e-flex e-con e-child\" data-id=\"263bf4f3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-214b4edb elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"214b4edb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/bankkoppeling\/\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-credit-card\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M527.9 32H48.1C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48.1 48h479.8c26.6 0 48.1-21.5 48.1-48V80c0-26.5-21.5-48-48.1-48zM54.1 80h467.8c3.3 0 6 2.7 6 6v42H48.1V86c0-3.3 2.7-6 6-6zm467.8 352H54.1c-3.3 0-6-2.7-6-6V256h479.8v170c0 3.3-2.7 6-6 6zM192 332v40c0 6.6-5.4 12-12 12h-72c-6.6 0-12-5.4-12-12v-40c0-6.6 5.4-12 12-12h72c6.6 0 12 5.4 12 12zm192 0v40c0 6.6-5.4 12-12 12H236c-6.6 0-12-5.4-12-12v-40c0-6.6 5.4-12 12-12h136c6.6 0 12 5.4 12 12z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e145d3b elementor-widget elementor-widget-html\" data-id=\"5e145d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/bankkoppeling\/\"><span style=\"font-size:14px;\">Bankkoppeling<\/span><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-770f2e03 e-flex e-con-boxed e-con e-parent\" data-id=\"770f2e03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-27449ed e-con-full e-flex e-con e-child\" data-id=\"27449ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-651dd53c e-con-full e-flex e-con e-child\" data-id=\"651dd53c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28baf368 elementor-widget elementor-widget-heading\" data-id=\"28baf368\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"veelgestelde-vragen\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Veelgestelde vragen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93a9e3d faq-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"93a9e3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1540\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1540\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Wanneer heb ik financieel advies nodig als zzp\u2019er? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1540\" class=\"elementor-element elementor-element-62dafac1 e-con-full e-flex e-con e-child\" data-id=\"62dafac1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1540\" class=\"elementor-element elementor-element-35778bca e-flex e-con-boxed e-con e-child\" data-id=\"35778bca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-123293c7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"123293c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Financieel advies is vooral waardevol als je niet weet waar je moet beginnen, een specifiek product wilt afsluiten (zoals een hypotheek of lijfrente), je situatie verandert of je geen overzicht hebt over wat je al geregeld hebt. Een financieel adviseur voor zzp\u2019ers helpt je op die kantelmomenten.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1541\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1541\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Wat doet een financieel adviseur voor zzp\u2019ers? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1541\" class=\"elementor-element elementor-element-6b4f446a e-con-full e-flex e-con e-child\" data-id=\"6b4f446a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1541\" class=\"elementor-element elementor-element-16d1b4c8 e-flex e-con-boxed e-con e-child\" data-id=\"16d1b4c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50e77cc1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"50e77cc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Een financieel adviseur voor zzp\u2019ers geeft je een compleet overzicht van je situatie: buffer, verzekeringen, pensioen, hypotheek en beleggingen samen. Hij of zij helpt je prioriteiten stellen, de juiste producten kiezen en een plan maken dat meegroeit met je bedrijf. Zo hoef jij er niet zelf een dagtaak aan te hebben.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1542\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1542\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Hoe bouw ik pensioen op als zzp\u2019er? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1542\" class=\"elementor-element elementor-element-509f97a6 e-con-full e-flex e-con e-child\" data-id=\"509f97a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1542\" class=\"elementor-element elementor-element-24a8252f e-flex e-con-boxed e-con e-child\" data-id=\"24a8252f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28a21082 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"28a21082\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Begin met een vast bedrag maandelijks wegzetten en automatiseer dat. Je kunt kiezen voor een pensioenbeleggingsproduct met fiscaal voordeel via de jaarruimte, of voor een gewone beleggings- of spaarrekening met meer flexibiliteit. Wil je weten hoeveel jaarruimte je hebt? Een financieel adviseur voor zzp\u2019ers berekent dat voor je.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1543\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1543\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Kan ik als zzp\u2019er beleggen via mijn zakelijke rekening? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1543\" class=\"elementor-element elementor-element-195eefd e-con-full e-flex e-con e-child\" data-id=\"195eefd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1543\" class=\"elementor-element elementor-element-bd0e7b6 e-flex e-con-boxed e-con e-child\" data-id=\"bd0e7b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34d4eab elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"34d4eab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Nee, dat kan niet zonder fiscale gevolgen. Beleggingen vallen in box 3 van de inkomstenbelasting en moeten priv\u00e9 worden aangehouden. Je maakt geld over van je zakelijke rekening naar priv\u00e9 en belegt van daaruit via een broker of beleggingsrekening op je eigen naam.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Wanneer heb ik financieel advies nodig als zzp\\u2019er?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Financieel advies is vooral waardevol als je niet weet waar je moet beginnen, een specifiek product wilt afsluiten (zoals een hypotheek of lijfrente), je situatie verandert of je geen overzicht hebt over wat je al geregeld hebt. Een financieel adviseur voor zzp\\u2019ers helpt je op die kantelmomenten.\"}},{\"@type\":\"Question\",\"name\":\"Wat doet een financieel adviseur voor zzp\\u2019ers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Een financieel adviseur voor zzp\\u2019ers geeft je een compleet overzicht van je situatie: buffer, verzekeringen, pensioen, hypotheek en beleggingen samen. Hij of zij helpt je prioriteiten stellen, de juiste producten kiezen en een plan maken dat meegroeit met je bedrijf. Zo hoef jij er niet zelf een dagtaak aan te hebben.\"}},{\"@type\":\"Question\",\"name\":\"Hoe bouw ik pensioen op als zzp\\u2019er?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Begin met een vast bedrag maandelijks wegzetten en automatiseer dat. Je kunt kiezen voor een pensioenbeleggingsproduct met fiscaal voordeel via de jaarruimte, of voor een gewone beleggings- of spaarrekening met meer flexibiliteit. Wil je weten hoeveel jaarruimte je hebt? 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Je maakt geld over van je zakelijke rekening naar priv\\u00e9 en belegt van daaruit via een broker of beleggingsrekening op je eigen naam.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-370ab197 e-flex e-con-boxed e-con e-parent\" data-id=\"370ab197\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5188315e e-con-full e-flex e-con e-child\" data-id=\"5188315e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31224102 elementor-widget elementor-widget-heading\" data-id=\"31224102\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Meer weten?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1918237 e-con-full e-flex e-con e-child\" data-id=\"1918237\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-784d516 e-con-full e-flex e-con e-child\" data-id=\"784d516\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50c8c6f4 elementor-widget elementor-widget-heading\" data-id=\"50c8c6f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We leggen het je graag uit!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e68197e elementor-widget elementor-widget-text-editor\" data-id=\"6e68197e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Plan een vrijblijvend, digitaal kennismakingsgesprek met ons in.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62f5c7ea e-con-full e-flex e-con e-child\" data-id=\"62f5c7ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7633989e elementor-widget elementor-widget-button\" data-id=\"7633989e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/plan-gesprek\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Plan gesprek<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-121b7e75 e-flex e-con-boxed e-con e-parent\" data-id=\"121b7e75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-407c23c8 e-con-full e-flex e-con e-child\" data-id=\"407c23c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e6afadc elementor-widget elementor-widget-heading\" data-id=\"2e6afadc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nog meer nieuws<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37bfb3a4 e-con-full e-flex e-con e-child\" data-id=\"37bfb3a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65f930bb elementor-widget elementor-widget-heading\" data-id=\"65f930bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/nieuws\/\">Bekijk al het nieuws -&gt;<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6371ae03 e-flex e-con-boxed e-con e-child\" data-id=\"6371ae03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b5c9919 elementor-grid-tablet-2 elementor-grid-3 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"5b5c9919\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"news-feed-highlight\" data-settings=\"{&quot;template_id&quot;:310,&quot;columns_tablet&quot;:2,&quot;_skin&quot;:&quot;post&quot;,&quot;columns&quot;:&quot;3&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-310\">.elementor-310 .elementor-element.elementor-element-2a91b77{--display:flex;--flex-direction:row;--container-widget-width:initial;--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--gap:20px 0px;--row-gap:20px;--column-gap:0px;--margin-top:0px;--margin-bottom:48px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-310 .elementor-element.elementor-element-9df3a57{--display:flex;--justify-content:flex-start;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-310 .elementor-element.elementor-element-57acb35{--display:flex;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-310 .elementor-element.elementor-element-697670c{--display:flex;--flex-direction:row;--container-widget-width:initial;--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--gap:0px 8px;--row-gap:0px;--column-gap:8px;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-widget-theme-post-featured-image .widget-image-caption{color:var( --e-global-color-text );font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-size:var( --e-global-typography-text-font-size );font-weight:var( --e-global-typography-text-font-weight );line-height:var( --e-global-typography-text-line-height );}.elementor-310 .elementor-element.elementor-element-5efbe13 img{width:100vw;height:400px;object-fit:cover;object-position:center center;}.elementor-widget-post-info .elementor-icon-list-item:not(:last-child):after{border-color:var( --e-global-color-text );}.elementor-widget-post-info .elementor-icon-list-icon i{color:var( --e-global-color-primary );}.elementor-widget-post-info .elementor-icon-list-icon svg{fill:var( --e-global-color-primary );}.elementor-widget-post-info .elementor-icon-list-text, .elementor-widget-post-info .elementor-icon-list-text a{color:var( --e-global-color-secondary );}.elementor-widget-post-info .elementor-icon-list-item{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-size:var( --e-global-typography-text-font-size );font-weight:var( --e-global-typography-text-font-weight );line-height:var( --e-global-typography-text-line-height );}.elementor-310 .elementor-element.elementor-element-372884d .elementor-icon-list-icon{width:14px;}.elementor-310 .elementor-element.elementor-element-372884d .elementor-icon-list-icon i{font-size:14px;}.elementor-310 .elementor-element.elementor-element-372884d .elementor-icon-list-icon svg{--e-icon-list-icon-size:14px;}.elementor-310 .elementor-element.elementor-element-372884d .elementor-icon-list-text, .elementor-310 .elementor-element.elementor-element-372884d .elementor-icon-list-text a{color:var( --e-global-color-primary );}.elementor-310 .elementor-element.elementor-element-372884d .elementor-icon-list-item{font-family:var( --e-global-typography-e81e6e9-font-family ), Sans-serif;font-size:var( --e-global-typography-e81e6e9-font-size );font-weight:var( --e-global-typography-e81e6e9-font-weight );text-transform:var( --e-global-typography-e81e6e9-text-transform );line-height:var( --e-global-typography-e81e6e9-line-height );letter-spacing:var( --e-global-typography-e81e6e9-letter-spacing );word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-310 .elementor-element.elementor-element-372884d > .elementor-widget-container{margin:0px 0px 0px 0px;padding:0px 0px 0px 0px;}.elementor-310 .elementor-element.elementor-element-587eeab .elementor-icon-list-icon{width:14px;}.elementor-310 .elementor-element.elementor-element-587eeab .elementor-icon-list-icon i{font-size:14px;}.elementor-310 .elementor-element.elementor-element-587eeab .elementor-icon-list-icon svg{--e-icon-list-icon-size:14px;}.elementor-310 .elementor-element.elementor-element-587eeab .elementor-icon-list-text, .elementor-310 .elementor-element.elementor-element-587eeab .elementor-icon-list-text a{color:var( --e-global-color-primary );}.elementor-310 .elementor-element.elementor-element-587eeab .elementor-icon-list-item{font-family:var( --e-global-typography-e81e6e9-font-family ), Sans-serif;font-size:var( --e-global-typography-e81e6e9-font-size );font-weight:var( --e-global-typography-e81e6e9-font-weight );text-transform:var( --e-global-typography-e81e6e9-text-transform );line-height:var( --e-global-typography-e81e6e9-line-height );letter-spacing:var( --e-global-typography-e81e6e9-letter-spacing );word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-widget-theme-post-title .elementor-heading-title{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-size:var( --e-global-typography-primary-font-size );font-weight:var( --e-global-typography-primary-font-weight );line-height:var( --e-global-typography-primary-line-height );color:var( --e-global-color-primary );}.elementor-310 .elementor-element.elementor-element-ec1659d .elementor-heading-title{font-family:var( --e-global-typography-70744ec-font-family ), Sans-serif;font-size:var( --e-global-typography-70744ec-font-size );font-weight:var( --e-global-typography-70744ec-font-weight );line-height:var( --e-global-typography-70744ec-line-height );letter-spacing:var( --e-global-typography-70744ec-letter-spacing );word-spacing:var( --e-global-typography-70744ec-word-spacing );}@media(max-width:1024px){.elementor-widget-theme-post-featured-image .widget-image-caption{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-310 .elementor-element.elementor-element-5efbe13 img{height:320px;}.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-310 .elementor-element.elementor-element-372884d .elementor-icon-list-item{font-size:var( --e-global-typography-e81e6e9-font-size );line-height:var( --e-global-typography-e81e6e9-line-height );letter-spacing:var( --e-global-typography-e81e6e9-letter-spacing );word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-310 .elementor-element.elementor-element-587eeab .elementor-icon-list-item{font-size:var( --e-global-typography-e81e6e9-font-size );line-height:var( --e-global-typography-e81e6e9-line-height );letter-spacing:var( --e-global-typography-e81e6e9-letter-spacing );word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-widget-theme-post-title .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );}.elementor-310 .elementor-element.elementor-element-ec1659d .elementor-heading-title{font-size:var( --e-global-typography-70744ec-font-size );line-height:var( --e-global-typography-70744ec-line-height );letter-spacing:var( --e-global-typography-70744ec-letter-spacing );word-spacing:var( --e-global-typography-70744ec-word-spacing );}}@media(min-width:768px){.elementor-310 .elementor-element.elementor-element-2a91b77{--width:100%;}.elementor-310 .elementor-element.elementor-element-9df3a57{--width:10%;}.elementor-310 .elementor-element.elementor-element-57acb35{--width:90%;}}@media(max-width:767px){.elementor-310 .elementor-element.elementor-element-2a91b77{--margin-top:0px;--margin-bottom:16px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:8px;--padding-right:0px;}.elementor-310 .elementor-element.elementor-element-9df3a57{--width:15%;}.elementor-310 .elementor-element.elementor-element-57acb35{--width:80%;--gap:16px 0px;--row-gap:16px;--column-gap:0px;}.elementor-310 .elementor-element.elementor-element-697670c{--gap:8px 8px;--row-gap:8px;--column-gap:8px;}.elementor-widget-theme-post-featured-image .widget-image-caption{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-310 .elementor-element.elementor-element-5efbe13 img{height:280px;}.elementor-310 .elementor-element.elementor-element-5efbe13{width:var( --container-widget-width, 90% );max-width:90%;--container-widget-width:90%;--container-widget-flex-grow:0;}.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-310 .elementor-element.elementor-element-372884d .elementor-icon-list-item{font-size:var( --e-global-typography-e81e6e9-font-size );line-height:var( --e-global-typography-e81e6e9-line-height );letter-spacing:var( --e-global-typography-e81e6e9-letter-spacing );word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-310 .elementor-element.elementor-element-587eeab .elementor-icon-list-item{font-size:var( --e-global-typography-e81e6e9-font-size );line-height:var( --e-global-typography-e81e6e9-line-height );letter-spacing:var( --e-global-typography-e81e6e9-letter-spacing );word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-widget-theme-post-title .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );}.elementor-310 .elementor-element.elementor-element-ec1659d .elementor-heading-title{font-size:var( --e-global-typography-70744ec-font-size );line-height:var( --e-global-typography-70744ec-line-height );letter-spacing:var( --e-global-typography-70744ec-letter-spacing );word-spacing:var( --e-global-typography-70744ec-word-spacing );}}\/* Start custom CSS for theme-post-featured-image, class: .elementor-element-5efbe13 *\/.news-featured-image {\n    position: relative;\n    overflow: hidden;\n}\n\n.news-featured-image img {\n    transition: transform 0.5s ease-in-out;\n    transform: scale(1);\n    width: 100%;\n    height: auto;\n}\n\n.news-featured-image:hover img {\n    transform: scale(1.1);\n}\/* End custom CSS *\/\n\/* Start custom CSS for post-info, class: .elementor-element-372884d *\/.elementor-310 .elementor-element.elementor-element-372884d {\n    writing-mode: vertical-lr;\n    text-orientation: mixed;\n}\/* End custom CSS *\/\n\/* Start custom CSS for post-info, class: .elementor-element-587eeab *\/.elementor-310 .elementor-element.elementor-element-587eeab span {\n    font-weight: 400!important;\n    \n}\/* End custom CSS *\/\n\/* Start custom CSS for theme-post-title, class: .elementor-element-ec1659d *\/.elementor-310 .elementor-element.elementor-element-ec1659d a {\n    font-weight:500!important;\n    text-decoration: none;\n}\/* End custom CSS *\/\n\/* Start custom CSS for html, class: .elementor-element-c135636 *\/.elementor-310 .elementor-element.elementor-element-c135636 {\n    font-size: 16px!important;\n    line-height: 1.4em!important;\n    position: relative!important; \n    z-index: 1!important;\n}\n\n\/* Target the link in your custom shortcode *\/\n.elementor-310 .elementor-element.elementor-element-c135636 .custom-excerpt-link {\n    color: #000000!important; \/* Set the link color to black *\/\n    text-decoration: none; \/* Remove any underline *\/\n}\n\n.elementor-310 .elementor-element.elementor-element-c135636 .custom-excerpt-link:hover {\n    color: #000000!important; \/* Ensure the hover color remains black *\/\n    text-decoration: none; \/* No underline on hover *\/\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"310\" class=\"elementor elementor-310 e-loop-item e-loop-item-11641 post-11641 post type-post status-publish format-standard has-post-thumbnail hentry category-blogs\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-2a91b77 e-con-full e-flex e-con e-parent\" data-id=\"2a91b77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9df3a57 e-con-full e-flex e-con e-child\" data-id=\"9df3a57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a77f69b elementor-widget elementor-widget-html\" data-id=\"a77f69b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"fraction\"><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57acb35 e-con-full e-flex e-con e-child\" data-id=\"57acb35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-697670c e-con-full e-flex e-con e-child\" data-id=\"697670c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5efbe13 elementor-widget-mobile__width-initial news-featured-image elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"5efbe13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/financieel-adviseur-voor-zzpers-wanneer-schakel-je-er-een-in-plus-tips\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/micheile-henderson-SoT4-mZhyhE-unsplash-1024x683.jpg\" class=\"attachment-large size-large wp-image-11642\" alt=\"\" srcset=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/micheile-henderson-SoT4-mZhyhE-unsplash-1024x683.jpg 1024w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/micheile-henderson-SoT4-mZhyhE-unsplash-300x200.jpg 300w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/micheile-henderson-SoT4-mZhyhE-unsplash-768x512.jpg 768w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/micheile-henderson-SoT4-mZhyhE-unsplash-1536x1024.jpg 1536w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/micheile-henderson-SoT4-mZhyhE-unsplash-2048x1365.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-372884d elementor-widget elementor-widget-post-info\" data-id=\"372884d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-87da20b elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Blogs<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-587eeab elementor-widget elementor-widget-post-info\" data-id=\"587eeab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-3ab1a00 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>juli 29, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1659d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"ec1659d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/financieel-adviseur-voor-zzpers-wanneer-schakel-je-er-een-in-plus-tips\/\">Financieel adviseur voor zzp\u2019ers: wanneer schakel je er \u00e9\u00e9n in? + tips voor zzp\u2019ers<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c135636 elementor-widget elementor-widget-html\" data-id=\"c135636\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/financieel-adviseur-voor-zzpers-wanneer-schakel-je-er-een-in-plus-tips\/\" class=\"custom-excerpt-link\" target=\"_self\">Je draait al een tijdje mee als zzp\u2019er. De opdrachten komen binnen, je rekening groeit en je hebt je plek gevonden. Maar terwijl jij hard werkt aan je bedrijf, ontstaan er vragen die je misschien voor je uitschuift: Wat doe ik met mijn pensioen? Heb ik een AOV nodig? Kan ik straks \u00fcberhaupt een hypotheek krijgen?<\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"310\" class=\"elementor elementor-310 e-loop-item e-loop-item-2566 post-2566 post type-post status-publish format-standard has-post-thumbnail hentry category-blogs\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-2a91b77 e-con-full e-flex e-con e-parent\" data-id=\"2a91b77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9df3a57 e-con-full e-flex e-con e-child\" data-id=\"9df3a57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a77f69b elementor-widget elementor-widget-html\" data-id=\"a77f69b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"fraction\"><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57acb35 e-con-full e-flex e-con e-child\" data-id=\"57acb35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-697670c e-con-full e-flex e-con e-child\" data-id=\"697670c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5efbe13 elementor-widget-mobile__width-initial news-featured-image elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"5efbe13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/het-verschil-tussen-boete-en-belastingrente\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"530\" src=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/al-nik-ityUSyDJV2s-unsplash-scaled-1-2048x1357-1-1024x679.jpg\" class=\"attachment-large size-large wp-image-2567\" alt=\"\" srcset=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/al-nik-ityUSyDJV2s-unsplash-scaled-1-2048x1357-1-1024x679.jpg 1024w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/al-nik-ityUSyDJV2s-unsplash-scaled-1-2048x1357-1-300x199.jpg 300w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/al-nik-ityUSyDJV2s-unsplash-scaled-1-2048x1357-1-768x509.jpg 768w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/al-nik-ityUSyDJV2s-unsplash-scaled-1-2048x1357-1-1536x1018.jpg 1536w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/al-nik-ityUSyDJV2s-unsplash-scaled-1-2048x1357-1.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-372884d elementor-widget elementor-widget-post-info\" data-id=\"372884d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-87da20b elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Blogs<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-587eeab elementor-widget elementor-widget-post-info\" data-id=\"587eeab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-3ab1a00 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>juli 16, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1659d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"ec1659d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/het-verschil-tussen-boete-en-belastingrente\/\">Belastingrente en boete: wat is het verschil en hoe voorkom je deze extra kosten?<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c135636 elementor-widget elementor-widget-html\" data-id=\"c135636\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/het-verschil-tussen-boete-en-belastingrente\/\" class=\"custom-excerpt-link\" target=\"_self\">Na het indienen van je belastingaangifte ontvang je van de Belastingdienst de aanslag. Naast het bedrag van de aanslag kan het zijn dat er extra kosten worden berekend: de belastingrente. Hoewel dit misschien lijkt op een boete, is het dat niet. Wij leggen je in deze blog uit wat belastingrente precies is. Daarnaast informeren we je over de verschillende boetes die de Belastingdienst kan opleggen. En wat jij natuurlijk wil weten, leggen we je ook uit: hoe je die extra kosten kunt voorkomen.<\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"310\" class=\"elementor elementor-310 e-loop-item e-loop-item-11537 post-11537 post type-post status-publish format-standard has-post-thumbnail hentry category-nieuws\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-2a91b77 e-con-full e-flex e-con e-parent\" data-id=\"2a91b77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9df3a57 e-con-full e-flex e-con e-child\" data-id=\"9df3a57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a77f69b elementor-widget elementor-widget-html\" data-id=\"a77f69b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"fraction\"><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57acb35 e-con-full e-flex e-con e-child\" data-id=\"57acb35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-697670c e-con-full e-flex e-con e-child\" data-id=\"697670c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5efbe13 elementor-widget-mobile__width-initial news-featured-image elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"5efbe13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/kees-de-boekhouder-x-brightpensioen-slim-pensioen-opbouwen-als-zzper\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/sasun-bughdaryan-eE4uRsnNCsI-unsplash-1024x683.jpg\" class=\"attachment-large size-large wp-image-11538\" alt=\"\" srcset=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/sasun-bughdaryan-eE4uRsnNCsI-unsplash-1024x683.jpg 1024w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/sasun-bughdaryan-eE4uRsnNCsI-unsplash-300x200.jpg 300w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/sasun-bughdaryan-eE4uRsnNCsI-unsplash-768x512.jpg 768w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/sasun-bughdaryan-eE4uRsnNCsI-unsplash-1536x1024.jpg 1536w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/07\/sasun-bughdaryan-eE4uRsnNCsI-unsplash-2048x1365.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-372884d elementor-widget elementor-widget-post-info\" data-id=\"372884d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-87da20b elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Nieuws<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-587eeab elementor-widget elementor-widget-post-info\" data-id=\"587eeab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-3ab1a00 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>juli 15, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1659d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"ec1659d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/kees-de-boekhouder-x-brightpensioen-slim-pensioen-opbouwen-als-zzper\/\">Kees de Boekhouder x BrightPensioen: slim pensioen opbouwen als zzp\u2019er<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c135636 elementor-widget elementor-widget-html\" data-id=\"c135636\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/kees-de-boekhouder-x-brightpensioen-slim-pensioen-opbouwen-als-zzper\/\" class=\"custom-excerpt-link\" target=\"_self\">Als zzp\u2019er ben je druk met ondernemen. Nieuwe klanten, mooie opdrachten en je administratie vragen al genoeg aandacht. Pensioen? Dat schuift vaak automatisch naar de achtergrond. Toch is het juist...<\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Je draait al een tijdje mee als zzp\u2019er. De opdrachten komen binnen, je rekening groeit en je hebt je plek gevonden. Maar terwijl jij hard werkt aan je bedrijf, ontstaan er vragen die je misschien voor je uitschuift: Wat doe ik met mijn pensioen? Heb ik een AOV nodig? Kan ik straks \u00fcberhaupt een hypotheek krijgen?<\/p>\n","protected":false},"author":3,"featured_media":11642,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-11641","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financieel adviseur voor zzp&#039;ers: wanneer hulp in schakelen? - Kees de Boekhouder<\/title>\n<meta name=\"description\" content=\"In deze blog krijg je tips over de vijf belangrijkste financi\u00eble thema\u2019s voor zzp\u2019ers, en leggen we uit wanneer financieel advies voor zzp\u2019ers je verder helpt.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/financieel-adviseur-voor-zzpers-wanneer-schakel-je-er-een-in-plus-tips\/\" \/>\n<meta property=\"og:locale\" content=\"nl_NL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financieel adviseur voor zzp&#039;ers: wanneer hulp in schakelen? 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