Retirement is something we work towards and look forward to. Being able to kick back with no worries and enjoy financial security is a blissful feeling and for this very reason, many institutions offer retirement plans to individuals to help with planning for the future. Many people only start to think about retirement planning closer to retiring but this is not recommended as planning should begin as early as in your 20’s. These are some steps we think are important for any retirement plan: Set your retirement goals – Every plan requires realistic goals and retirement planning is no different. These financial requirements should be based on your expenses and the quality of life you expect to enjoy during retirement. Calculate your expenses – Expenses never stop, even in retirement. This is why it is crucial to take into consideration all possible expenses you expect to incur during retirement and factor these costs into your plan. More expenses would require either larger allocations or a longer timeline to achieve your goal. Have a timeline – Your timeline to allocate the funds needed for your retirement is based on how soon you start, the amount of funds you can set aside per month and your overall financial goal. The sooner you start your retirement planning, the quicker you can reach this goal and the shorter your timeline may be. Pay off your debts – All other debts should be paid off fully before starting your retirement savings plan. This allows you to allocate and save freely without the possibility of having to use your retirement fund to pay off any debt. These debts can include mortgage, car loans, school loans, and hospital bills. Manage your retirement income – Lastly, manage your retirement income! At this stage you should be completely frugal with your spending and properly allocate your finances towards your needs. Your retirement income is meant to last you for the rest of your natural life, therefore it should be used wisely. Interest in Retirement Planning? Contact Guardian Group Expert for more information today!

Are you going to buy, build, or remodel a home? Chances are, you are taking out a mortgage to do so. In addition to borrowing capital to accomplish these real estate goals, potential homeowners often face specific conditions from mortgage lenders. One of the mortgage borrower's conditions may require you to purchase a few insurance policies. These insurances include life insurance, income protection insurance, accident insurance, building construction insurance and home insurance. In this context, the following insurance policies are explained in more detail.   Life insurance The term life insurance pays an amount upon death that can be used to pay off debts such as a mortgage or loan and offers flexibility in duration, insured amount and coverage including options for lifetime or temporary coverage.   Income Protection The Income Protection coverage guarantees you an income if you cannot due illness or accident. This insurance is suitable for salaried professionals with an income above the SVB wage limit, self-employed, liberal professionals, directors and statutory directors, where the premium is tax deductible and the amount is partly determined by the insured.   Accident insurance Accident insurance provides financial coverage for permanent disability, death, temporary disability. Useful for those with increased risk, such as do-it-yourselfers, athletes or those in high-risk occupations.   Building construction insurance The building construction Insurance, also known as CAR insurance, covers property damage and theft of construction materials during the construction period including involved parties such as clients, contractors and subcontractors with optional coverage for the maintenance period after completion of the work.   Home insurance Guardian Group's home insurance policy insures your possessions in and around your home against damage from fire, rain, water pipe damage, surge, burglary and more, while contents insurance specifically covers the financial consequences of theft and damage to your possessions.   These conditions can become tedious for the mortgagee, and in some cases, they may not know exactly what to do. To avoid such cases, we recommend one of our package insurance policies. We can put these together so that your application as far as insurance is concerned is easier. Our package insurances are clear and easy, fast and practical, there is one point of contact and you can handle your insurance and claims under one roof.   Would you like to know more about Guardian Group's package insurances? Feel free to contact us.

Retirement, the word conjures up different images depending on where you are in life. For some, it seems like a distant destination, while others are already immersed in it. Let's take a journey through time, from yesterday to today and into what the future holds. Yesterday: a life in stages Do you remember those days as a student, when the world lay at your feet and retirement felt like something that would always be far away? You graduated, found a job - perhaps as an employee at a company or as an entrepreneur forging your own path. Regardless of the path you chose, the thought of retirement often lingered in the background, suppressed by the challenges and adventures of daily life. Then, before you know it, the next phase arrives. You reach the 'adult' years, where responsibilities pile up, and time becomes more precious. Retirement still seems like a distant horizon, but now you start to wonder: "Am I ready? Have I saved enough?" And then, faster than expected, it's here: retirement. For some, it's a long-awaited reward after years of hard work. For others, it can be a source of anxiety, especially if financial preparation isn't as hoped for. But regardless of how we feel about this milestone, one thing is certain: life is beautiful, and it's worth being prepared for. Today: preparation is the key So here we stand now, in the present, where retirement is no longer a blurry spot on the horizon but a reality approaching. Whether you're in your twenties and just starting to think about your retirement plan, or you're halfway through your career and want to strengthen your financial future, it's never too late to start planning. Building a desired retirement requires consistency, discipline, and a well-thought-out plan. It's not just about saving money but also about investing in yourself, building wealth, and protecting your financial future against unexpected events. Tomorrow: we are here for you No matter where you are on your life's journey right now, remember this: retirement planning isn't something you have to do alone. Whether you're an employee seeking guidance on setting up a retirement plan or an entrepreneur needing advice on managing business finances for the future, we are here to help. At Guardian Group, we understand the complexity of retirement planning and are committed to providing customized solutions that align with your unique needs and goals. We are ready to guide you at every step of your retirement journey, from crafting a plan to navigating the ups and downs of the market. So wherever you are on your journey to retirement, let us help illuminate the path forward. The future is bright, and with the right preparation, we can build a retirement that's as beautiful as life itself.

What amount of own money does it require to buy a house? Have you laid your eyes on your dream property and would you like to know how much of your own money you need? There are a lot of practical things to consider when buying a house. It is after all one of the largest expenses you will make in your life. A crucial step in this process is taking out a mortgage. What precisely is a mortgage and how does it work? What is a mortgage? Paying off a house immediately is not a financially possible for most people. In that case, a mortgage must be taken out with a financial institution. A mortgage is a loan to purchase a property and you pay mortgage interest on this loan. The bank will periodically deduct money from your account for up to 35 years or until you reach the age of 65. You will thus pay back the mortgage in small parts over a long period, making the purchase of a house financially attainable to all. Types of mortgages The annuity mortgage and the life mortgage are regularly taken out when purchasing real estate. The annuity mortgage is a mortgage in which the monthly sum remains the same throughout the entire term. In the beginning of the term, you pay significantly more interest and pay off less. The most mortgage you pay off, the less interest you pay. You will have fully repaid your mortgage on the end date of the mortgage. A life mortgage is a combination of an interest-only mortgage and a life insurance policy. You will not pay off your mortgage, you pay mortgage interest and an insurance premium. As a result, you will receive a compensation for the premium that you build up, which will ultimately pay off the mortgage amount in one go. How do you qualify for a mortgage? When applying for a mortgage, there are numerous things to consider. Both resident and non-resident can apply for a mortgage. Entrepreneurs and self-employed people can take out a mortgage too, however, it usually concerns a private mortgage. There are various requirements that must be met when applying for a mortgage. Firstly, the monthly costs of your mortgage is not allowed to exceed 33%. The term of the mortgage may not exceed 35 years, the interest of the mortgage is fixed for the first 5 years. You can also repay up to 10% of the original mortgage principal amount without penalty. Arranging a mortgage can be a complicated process. Fortunately, we can guide you through this entire process. In addition, we provide advice on the mortgage, you receive apporval for the application within a week, and we assist with appling for the additional insurance policies. >> Book an appointment >> E-mail

Welcome to the Dutch Caribbean islands, consisting of Aruba, Bonaire, Curaçao, and St. Maarten. With their crystal-clear waters and laid-back atmosphere, these islands attract not only tourists but also individuals seeking a new adventure. Whether dreaming of a second home or even a new place to settle down, whether it's a beachfront vacation home or a permanent move to paradise, the Dutch Caribbean islands offer many possibilities. Living on the Dutch Caribbean islands Imagine waking up every morning to the sound of waves in the background, the scent of salt in the air, and the sun already shining. This is daily life on the Dutch Caribbean islands. Here, you'll find a unique blend of cultures where local traditions and influences from around the world converge. Living on the Dutch Caribbean islands means enjoying a relaxed lifestyle under the warm sun and refreshing sea breeze. With idyllic beaches around the corner and a laid-back atmosphere, these islands provide a perfect retreat for those looking to escape the hustle and bustle of daily life. The natural beauty and diversity of the Dutch Caribbean islands create a playground for lovers of adventurous activities such as snorkeling, diving, and sailing. Additionally, various cultures contribute to a multitude of flavors and traditions, making life on these islands a culinary and cultural journey. With a relaxed lifestyle, stunning scenery, and vibrant culture, the Dutch Caribbean islands offer a unique place to live. Emigration and real estate opportunities Whether you're planning to emigrate to the Dutch Caribbean islands or simply looking for a vacation home, there are plenty of real estate opportunities available. With the assistance of Guardian Group Fatum, a leading financial services provider in the region, both local and international buyers can realize their dream homes. Guardian Group Fatum: your real estate partner But for those seeking a second home or investment opportunity, there are numerous options available as well. Whether you're looking for a vacation home for yourself and your family or seeking to invest in real estate on the islands, Guardian Group Fatum is here to assist you. With our extensive knowledge of the local market and dedication to customer service, we can guide you through every step of the process, from finding the perfect property to securing the right mortgage. >> Book an appointment >> E-mail

The Caribbean islands continue to be an attractive destination for many to live, relax, and invest. Whether you’re considering a second home or looking for investment opportunities, these beautiful islands have so much to offer.   Investing in a vacation home  Do you dream of a house with an ocean view, where you can enjoy the peace and beauty of nature every day? You’re not alone. More and more people are choosing to invest in a vacation home in the Caribbean. These homes aren’t just a fantastic place to spend your free time but also offer the potential to generate extra income by renting them out to tourists.   The development of the real estate market on the islands  The demand for real estate in the Caribbean islands continues to grow. Due to their location and pleasant climate, the islands are considered an excellent place to invest. Moreover, the real estate market has experienced steady growth in recent years, making now the perfect time to invest.   Tips for relocating to the Caribbean islands  For many, life in the Caribbean is a dream of freedom and relaxation, but moving to the islands also involves practical considerations. Financial support is essential, whether it's securing a mortgage or finding the right investment opportunities. It’s important to work with local service providers who are familiar with the island’s regulations and markets. This helps ensure a smooth purchase process and prepares you well for your new life in the Caribbean.   Sustainability on the Caribbean islands Sustainability is becoming increasingly important, even in the Caribbean. More real estate developers are considering environmentally friendly solutions such as solar energy, water management, and the use of sustainable materials. By investing in sustainability, residents can not only reduce their ecological footprint but also benefit from lower energy costs.   Make your dream home a reality If you’re ready to purchase a home on the Caribbean islands, it’s important to work with the right experts . We can provide you with the best support at every step of the process. Whether it’s finding the perfect home or handling legal and financial matters, we’re here to assist you. Do you have questions? Schedule an appointment , and we’ll be happy to help you further!

Retirement is a word that often comes with fear and uncertainty, but what if we told you, it can be sexy too? It's time to explore the other side of the coin. A pension not only offers reassurance, but also financial freedom and the opportunity to enjoy life later on. A retirement offers you the chance to finally pursue those long-awaited dreams and passions that you may have put in the background during your working years. Let's dive into how a well-thought-out retirement plan can guide you into your old age. A well-thought-out pension plan 1. Housing costs: Imagine, a beautiful house where you can quietly enjoy your retirement without the worries about rent or mortgage payments. With a watertight pension plan, this idea is not so crazy. 2. Take care of yourself: Healthy eating and regular exercise are the pillars of a healthy and happy life. A good pension plan gives you the space to take good care of yourself, so that you can really enjoy yourself later in life. 3. Tailor-made health: No worries about additional costs for medicines and vitamins. A retirement plan ensures that you have access to the best healthcare, so you can always count on the right support. 4. Family time: Are the children and grandchildren abroad? No problem! With a well-planned retirement, you have the freedom to be with them for three to six months a year, so you don't have to miss those precious family moments. 5. Relaxation and adventure: Volunteering, holidays, a day of shopping, the idea is that you can organize your pension the way you want. With the right pension scheme, the possibilities are endless. A sexy retirement plan For those with a medium to high income who have a penchant for the good life, a sexy retirement plan is the key to a wonderful old age. This applies not only to traditional employees, but also to self-employed people, entrepreneurs and individuals who would like to make the most of their retirement time. The three pillars of your sexy retirement 1. Old-age pension (AOV): Government pension, popularly called "Penshun di Gobiernu. 2. Pension through the employer: Work-related collective pensions. The employer pays part of the pension contribution and employees give up part of their salary as a pension contribution. 3. Additional provisions: The individual insurance that pays out pension. The latter system is self-financing, whereby the participants accrue pension entitlements through deposited insurance contributions. Extra protection for loved ones Widow's pension: For your own peace of mind, knowing that your loved one will be well cared for. Orphan's pension: Make sure that the future of your children is also secured. Invalidity pension: An extra layer of certainty in case the unforeseen happens. It is time to change course and no longer see retirement as a source of worry, but rather as the key to a beautiful old age in which you can still fully enjoy. Take the first step towards your sexy retirement plan today and create the pension you had in mind. [DUTCH VERSION]

As mortgage advisors, we understand that every client is unique, with different needs, dreams, and backgrounds. Therefore, today we focus on three specific groups and how we can help you at every step of this process. Emigrating, a new beginning Moving to another country is an exciting and challenging adventure. As mortgage advisors, we understand the complexity of emigration and are ready to guide you in exploring mortgage options that suit your wishes and needs. Whether you plan to live in Curaçao for an extended period or are coming to the island as an expat, we are here to assist you and advise you on the various possibilities. Building your future As a homeowner, you have already taken a valuable step on the path to property ownership. Whether you are looking for a new mortgage, considering refinancing, or maybe want to renovate your home, there are many options. We can help you explore different financing options, understand market trends, and make informed decisions that will strengthen your future. Your home is not only an investment but a cornerstone for the future, and we are here to ensure it remains solid. Smart decisions for long-term success As an investor, you seek opportunities to grow your wealth and build a solid financial future. Real estate can be a powerful way to achieve this, but it requires careful planning and strategy. We help you identify profitable investment opportunities, understand risks and returns, and develop a customized plan that fits your financial goals. Whether you choose to rent, flip properties, or invest in real estate funds, we are here to assist you. Your home, your story When guiding our clients in mortgages and real estate, we understand that it is not just about numbers and transactions but about creating a home, realizing dreams, and building a better future. Whether you are someone starting a new life, someone improving their home, or an investor growing their wealth, we are your partner and support you in making important decisions. We understand that a mortgage is more than just a loan. Contact us today . Because for us, it’s not just about mortgages, but about the life and inspiration that flows from them.

The key person insurance is a simply life insurance policy on the key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two. These person(s) are the people who are crucial to a business--the ones whose absence would sink the company. You definitely need to consider key person insurance on those people(s). Here's how key person insurance works: A company purchases a life insurance policy on its key employee(s), pays the premiums and is the beneficiary of the policy. If that person unexpectedly dies, the company receives the insurance payoff. The reason this coverage is important is because the death of a key person in a small company can cause the immediate death of that company. The purpose of key person insurance is to help the company survive the blow of losing the person who makes the business work. The company can use the insurance proceeds for expenses until it can find a replacement person, or, if necessary, pay off debts, distribute money to investors, pay severance to employees and close the business down in an orderly manner. In a tragic situation, key person insurance gives the company some options other than immediate bankruptcy. If the company is a sole proprietorship and employs just you and no other employees or has no other people who depend on it, then key person insurance isn't as necessary. You'll notice we didn't mention your family--don't confuse key person insurance with personal life insurance. If you have a spouse and/or children who depend on your income, then you should have personal life insurance for that purpose. How do you determine who needs this insurance? Look at your business and think about who is irreplaceable in the short term. In many small businesses, it's the owner who holds the company together--he may keep the books, manage the employees, handle the key customers and so on. If that person is gone, the business pretty much stops. How much key person insurance do you need? That depends on your business. Calculate how much money your business would need to survive until it could replace the key person, come up to speed and get the business back on its feet. Ask quotes for example on 100,000, 250,000, 500,000, 750,000 and 1 million, and compare the costs of each. Buy a policy that fits into your budget and will address your short-term cash needs in case of tragedy. Make an appointment E-mail

What is the FlexiTerm series? FlexiTerm series is one of the most cost effective term life insurance policies available. It pays the sum you selected if your death occurs during the period specified in the policy. How can I use the FlexiTerm series? FlexiTerm series is a useful risk management vehicle. Use it for, Business planning Keyman insurance Collateral coverage Mortgage protection Education continuance Why does the FlexiTerm series cost so little? FlexiTerm series has been designed to deliver maximum protection at minimal cost because you are covered for a specified period; you get the lowest rate possible. What are my options? You choose from 5 plans: Term to age 65, 75, 85 or 10 to 20 year term. Conversion option Your needs my change. If they do, you can convert your FlexiTerm series plan to a permanent life plan with the same coverage. Renewability option This applies to the 5-year FlexiTerm series Plan only. It means that you anytime within 3 months prior to the expiry of the policy. Waiver of premium option This is of real benefit to you. If you are disabled and unable to work at your existing job, we will waive the premiums due on your policy for the first 24 months of such disablement. Accidental Death Benefit option If you die as a result of an accidente, your beneficiary will get an additional payment which cannot be more than the amount you're already insured for. Do you want for information? Please feel free and contact us.