Sooner or later, many wealthy individuals ask themselves similar questions. Can I work less? Do I have enough wealth to maintain my lifestyle? What financial scope do I have for my family, new plans or significant expenditure? In short, can I realise my ambitions?
Wealth Planning translates your wealth into possibilities. It considers not only your assets and investments, but also your income, expenditure, wishes, risks and significant life events.
This creates a personal view of what may be financially possible, today, tomorrow and over the longer term.
Whether you are considering retiring earlier, selling a business, gifting wealth to your children or taking a new direction in life, Wealth Planning helps you make choices with greater insight and confidence.
"}},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"cta","textLink":{"text":"Make an appointment to discuss Wealth Planning","url":"/en/private-banking/customer-service"}},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"testimonial","testimonialList":[{"authorInfo":{"authorName":"Annette Helderop-van Es","image":{"extension":"png","original":"https://assets.ing.com/asset/e965f19c-6840-43da-8850-2eb572a4c090/Anette-Helderop-van-Es.png","publishedAt":"2026-10-13T08:50:42Z","transformBaseUrl":"https://assets.ing.com/transform/e965f19c-6840-43da-8850-2eb572a4c090/Anette-Helderop-van-Es","type":"image","updatedAt":"2026-10-13T08:51:07Z","width":529},"jobTitle":"Financial Planner ING Private Banking"},"testimonialText":{"body":"In conversations, I notice that clients often ask individual, practical questions without yet considering the wider picture. Questions such as: How is my wealth developing? What could my choices mean for my partner or family? How do my personal and business assets work together?","textLink":{"text":"Read the full interview","url":"/en/private-banking/knowledge-and-insights/wealth-planning/5-questions-about-wealth-planning-for-financial-planner-annette-helderop%E2%80%AF-van-es"}}}]},{"componentType":"sectionTitle","title":"Overview, scenarios and personal guidance"},{"componentType":"paragraph","richBody":{"value":"At ING Private Banking, we consider your complete situation. Your Relationship Manager discusses your wishes with you and brings together specialists where needed, for example in tax, investments, financing and wealth transfer.
Digital tools such as Plan Ahead, My ING and the ING app allow you to explore different scenarios. This gives you insight into the potential impact of important choices, such as working less, gifting wealth, retiring earlier or making a significant investment.
You see not only where you stand today, but also what may be possible tomorrow.
"}},{"componentType":"cta","textLink":{"text":"Discuss your wishes with ING Private Banking","url":"/en/private-banking/customer-service"}},{"componentType":"sectionTitle","title":"Topics that matter to wealthy individuals"},{"cardsList":{"cards":[{"body":"How do you make financial decisions when circumstances become less predictable?","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-07-07","image":{"altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/asset/fb0f52ba-b9c8-4b21-8eb8-7f732194313d/Smart-young-business-woman-holding-takeaway-coffee-and-walking-down-the-street.jpg","publishedAt":"2017-09-26T18:18:29Z","transformBaseUrl":"https://assets.ing.com/transform/fb0f52ba-b9c8-4b21-8eb8-7f732194313d/Smart-young-business-woman-holding-takeaway-coffee-and-walking-down-the-street","type":"image","updatedAt":"2023-12-21T16:21:27Z","width":4760},"link":{"url":"/en/private-banking/knowledge-and-insights/wealth-planning/uncertainty-and-wealth-how-uncertainty-influences-financial-choices"},"title":"How uncertainty influences financial choices"},{"body":"A good wealth plan shows where you stand today, where you are heading and how to get there.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-07-02","image":{"altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/asset/1fd616b4-6ba1-466e-9e37-3ae2f4a692ae/MAN-STANDING-IN-FOREST.jpg","publishedAt":"2020-08-15T17:09:21Z","transformBaseUrl":"https://assets.ing.com/transform/1fd616b4-6ba1-466e-9e37-3ae2f4a692ae/MAN-STANDING-IN-FOREST","type":"image","updatedAt":"2023-12-21T14:46:04Z","width":6000},"link":{"url":"/en/private-banking/knowledge-and-insights/wealth-planning/build-for-the-future-with-wealth-planning-and-portfolio-management"},"title":"Build your financial future"},{"body":"Discover Plan Ahead, our new digital Wealth Planning tool.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-05-20","image":{"extension":"jpg","original":"https://assets.ing.com/asset/68713d13-b540-4ed7-9208-9f4587556108/Large_Web-and-Screen-Business-woman-smiles-in-busy-office.jpg","publishedAt":"2026-01-02T16:29:06Z","transformBaseUrl":"https://assets.ing.com/transform/68713d13-b540-4ed7-9208-9f4587556108/Large_Web-and-Screen-Business-woman-smiles-in-busy-office","type":"image","updatedAt":"2026-01-02T16:30:06Z","width":1920},"link":{"url":"/en/private-banking/knowledge-and-insights/wealth-planning/digital-innovation-interview-agnes"},"title":"Insight and control over your wealth with Plan Vooruit"},{"body":"Include the next generation in your plans.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-02-26","image":{"extension":"jpg","original":"https://assets.ing.com/asset/19d6ad52-2d22-4ead-8330-7c5a040ece0c/600580931.jpg","publishedAt":"2022-10-18T14:29:56Z","transformBaseUrl":"https://assets.ing.com/transform/19d6ad52-2d22-4ead-8330-7c5a040ece0c/600580931","type":"image","updatedAt":"2025-03-18T14:51:17Z","width":2100},"link":{"url":"/en/private-banking/knowledge-and-insights/wealth-planning/wealth-transfer-openness-within-families"},"title":"Wealth transfer and the importance of openness within families"},{"body":"Many Private Banking clients lack a clear overview. A wealth plan provides peace of mind and direction. Learn how.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-02-24","image":{"extension":"jpg","original":"https://assets.ing.com/asset/da3fb089-ab67-448c-b462-e8a70dc73077/Private-Banking-Netherlands.jpg","publishedAt":"2023-04-13T05:42:12Z","transformBaseUrl":"https://assets.ing.com/transform/da3fb089-ab67-448c-b462-e8a70dc73077/Private-Banking-Netherlands","type":"image","updatedAt":"2026-09-17T13:22:05Z","width":7952},"link":{"url":"/en/private-banking/knowledge-and-insights/wealth-planning/do-you-have-a-wealth-plan-getting-the-basics-right"},"title":"Do you have a wealth plan? Getting the basics right"}],"componentType":"cards"},"componentType":"horizontalCardsList","link":{"url":"/en/private-banking/wealth-planning/financiele-vrijheid-horizontal-list"}},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"highlight","richBody":{"value":"Gain insight into gifting, leaving a legacy and inheritance with a plan tailored to your situation and that of your family.
"},"textLinks":[{"text":"To Wealth Transfer","url":"/en/private-banking/wealth-planning/wealth-transfer"}],"title":"Are you also considering wealth for the next generation?"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"Wealth Planning can be valuable for anyone seeking strategic insight into their financial future. Whether you are an entrepreneur, a private individual or part of a family with complex wealth structures, Wealth Planning, also known as estate planning, helps you make choices that reflect your ambitions. It gives you the confidence to take considered steps today, with a clear view of where you want to be in the future.
"},"title":"Who is Wealth Planning for?"},{"richBody":{"value":"Together with your Relationship Manager and our experts, we map out your financial situation. We focus on what matters to you, such as transferring a business, investing, maintaining your lifestyle, gifting wealth or leaving a legacy. You receive a dynamic plan that evolves with your life.
"},"title":"What exactly is Wealth Planning?"},{"richBody":{"value":"Gather relevant documents in advance, such as your income tax return and information about your wealth and, where relevant, your business interests. The more complete the information, the better we can look ahead together.
"},"title":"How can you prepare for a meeting?"},{"richBody":{"value":"No. Wealth Planning is available free of charge, whether or not you are currently an ING Private Banking client. If you decide to become a client, you can also use digital tools in the ING App to view and adjust your wealth plan whenever you wish.
"},"title":"Is there a fee for Wealth Planning?"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":""}},{"componentStyle":"default","componentType":"linkList","iconTitle":{"title":"Related"},"textLinks":[{"text":"Wealth Transfer","url":"/en/private-banking/wealth-planning/wealth-transfer"},{"text":"Business Transfer","url":"/en/private-banking/wealth-planning/business-transfer"},{"text":"Wealth Planning","url":"/en/private-banking/wealth-planning"},{"text":"Portfolio Management","url":"/en/private-banking/investing/portfolio-management"}]}]},"hasMacro":false,"id":"3ef69853-053b-46e3-b1b7-8a69d3f74ca0","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Read all articles here","url":"/en/private-banking/wealth-planning/vermogensoverdracht-horizontal-list"}},"componentType":"productHeader","coreHeader":{"body":"Financial freedom means something different to everyone. You may want more time for family, travel or hobbies. You may dream of a second home, want to support your children or grandchildren, or be considering a new business venture.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/e81f48fb-fa96-4533-8674-c155d07466f5/Woman-Walking-on-Seaside-Balcony.jpg","publishedAt":"2026-09-10T12:18:15Z","transformBaseUrl":"https://assets.ing.com/transform/e81f48fb-fa96-4533-8674-c155d07466f5/Woman-Walking-on-Seaside-Balcony","type":"image","updatedAt":"2026-09-10T12:18:59Z","width":1920},"subtitle":"Wealth Planning gives you insight into what your wealth can make possible, both now and in the future.","title":"How much financial scope do your plans really require?"},"cta":{"componentType":"cta","textLink":{"text":"Make an appointment","url":"/en/private-banking/customer-service"}},"secondaryCta":{"textLink":{"text":"Discover Wealth Planning","url":"/en/private-banking/wealth-planning"}},"usps":[{"body":"Insight into your income, expenditure and wealth","icon":{"extension":"png","original":"https://assets.ing.com/asset/68c05a5e-72d8-48a6-a2c5-29ebea790125/icon-inzicht.png","publishedAt":"2022-10-04T08:34:10Z","transformBaseUrl":"https://assets.ing.com/transform/68c05a5e-72d8-48a6-a2c5-29ebea790125/icon-inzicht","type":"image","updatedAt":"2023-12-21T15:17:57Z","width":200}},{"body":"Scenarios for your plans, lifestyle and significant expenditure","icon":{"altTextEN":"Securely access and manage your business financing solutions. View information about your loans, credit facilities, and financing products with ease.","altTextFR":"Consultez et gérez vos solutions de financement professionnelles en toute sécurité. Accédez aux informations relatives à vos crédits, prêts et facilités de financement en quelques clics.","altTextNL":"Raadpleeg en beheer uw zakelijke financieringsoplossingen veilig en eenvoudig. Bekijk informatie over kredieten, leningen en financieringsfaciliteiten in enkele klikken.","extension":"png","original":"https://assets.ing.com/asset/30a19cd2-d62e-4885-86cd-9901d0cf02fd/Financement-Business-Exclusive.png","publishedAt":"2026-07-17T12:51:15Z","transformBaseUrl":"https://assets.ing.com/transform/30a19cd2-d62e-4885-86cd-9901d0cf02fd/Financement-Business-Exclusive","type":"image","updatedAt":"2026-07-17T12:52:00Z","width":267}},{"body":"Personal guidance on decisions for today and tomorrow","icon":{"altTextEN":"Securely access and request your business credit documents online. Quickly find information and documents related to your ING financing solutions.","altTextFR":"Accédez et demandez vos documents de crédit professionnels en ligne en toute sécurité. Retrouvez rapidement les informations et documents liés à vos financements ING.","altTextNL":"Vraag uw zakelijke kredietdocumenten veilig online aan. Raadpleeg snel de documenten en informatie met betrekking tot uw ING-financieringen.","extension":"png","original":"https://assets.ing.com/asset/664c09e3-d978-49c3-89a2-d5dd1d130eda/Demander-mes-documents-de-credit-en-ligne-Business-Exclusive.png","publishedAt":"2026-07-23T09:34:29Z","transformBaseUrl":"https://assets.ing.com/transform/664c09e3-d978-49c3-89a2-d5dd1d130eda/Demander-mes-documents-de-credit-en-ligne-Business-Exclusive","type":"image","updatedAt":"2026-07-23T09:35:10Z","width":267}}]},"publishDate":"2026-10-15T14:39:12.468+02:00"}}