Business owner and
private matters

Your personal financial planning

For entrepreneurs in family businesses, business and private life are usually closely intertwined. This requires transparent information about the common aspects, clear decisions and good financial planning. We will help you by drawing your attention to matters that you should consider. We do this providing information about your potential decisions and the financial and fiscal consequences of those decisions. We also help you develop your plans and ensure that everything is properly organised. Matters we would be happy to help you with are:

  • Which aspects do I need to consider in order to minimise private risks?
  • When can I retire and is there sufficient income and assets?
  • When is the right time to transfer my business and what are the options?
  • How will my death affect my family, business and assets?
Ondernemer & Privé Totaalbouw Zeeland

What our clients say

"When I look back on the past five years, I am grateful to Moore DRV for our great collaboration. Any accounting firm could take care of my tax returns, but my advisor at Moore DRV provides advice that has a real impact on my business and my individual situation. I don’t even have to ask for that advice, as they are proactive in giving it. The entire office is eager to work with the client, and that's really important to me."

Ronald van der Hart - Totaalbouw Zeeland

Financial planning for high-net-worth business owners

A financial plan is a summary of your current assets and the prognosis of these assets for the future, factoring in your current income, your future income and your expenses. The transfer of your business can be an important factor in that, as well as the chance of incapacity for work or sudden death. The financial plan also offers the option to adjust your decisions over time in order to achieve goals such as early retirement or gifting to children on time for the sake of future tax savings. In addition to your assets, we look at your liquidity position as you may experience spending restrictions if your assets are not sufficiently liquid. A financial plan will therefore give you both clear information and peace of mind.


Marriage or cohabiting as a business owner

As a business owner, your and your partner’s income and assets become more intertwined when you decide to get married or cohabit. It is sensible to make clear agreements about this, just in case your relationship ends. One aspect to think about is the income expectation for both of you. We should also add that the most fiscally appealing decision not always the best solution for you. We will be happy to help you reach good, workable agreements. We will take care of the preparatory work involved in having the agreements recorded by a notary in the form of a prenuptial agreement, partnership agreement or cohabitation contract.

What is the minimum you have to arrange as a business owner?

  • Good financial planning, factoring in your wishes for now and the future.
  • Good conditions relating to cohabitation with your partner in order to protect your business interests.
  • A living will in order to arrange who will protect your interests in the event that you are no longer able to do so yourself.
  • A business will that clarifies your wishes for your business after your death.


Separating from your partner will have tax implications. The most important aspects are the division of your pension entitlements (self-administered), the valuation of your business, the division of your assets and the purchase of substantial shares held by your partner. We help you by providing clear information about the financial and tax implications of your divorce.


Business will

Your business will is the document in which you set out your wishes as a business owner after your death. It factors in matters such as your business and how it is continued, a guardianship and trustee arrangement and potential divorce of your beneficiaries. You can also record who will administer your estate. Our advice to you is based on the information we have about your financial position and your personal wishes. We will also make suggestions on including provisions that will minimise taxation on your assets in the event of your death.


Living will

If you are temporarily unable to manage your affairs, this often has major emotional, practical and financial implications, both private and professional. It is good to anticipate this with a so-called living will. A living will allows you to decide who will look after your interests from the moment you are unable to do this yourself. You can also use a living will to set out your medical wishes. We can suggest matters for you to think about and help you draw up the document.

More information

For more information about the value that Moore DRV can add for you in terms of your private matters as a business owner, leave your contact details here and we will contact you without obligation.

Matthijs Verbraak LL.M.

Partner and tax advisor

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