Which examinations are required?
According to the CDFD, the qualification requires passing the three initial module examinations: Basis, Vermogen and Pensioen. Basis plus Pensioen alone is insufficient. A BPH course certificate does not replace these official examinations. Consult the CDFD and a recognised examination institute for current requirements, registration and fees; there is no universal study-time requirement.
Qualification, current knowledge and licence
An individual’s professional qualification and a firm’s licence are separate matters. Customer-facing employees who give advice within the Wft framework require the relevant qualification for the product and service. The firm must also satisfy the applicable licensing requirements. A qualification does not guarantee suitable advice or a financial outcome.
Authorisation is maintained through the PE-examen Adviseur Pensioen. Employees with substantive customer contact must also keep their professional competence up to date. Training can support this, but does not replace a required PE examination.
Not every conversation is Wft product advice
A personal recommendation about a specific financial product from a particular provider falls within the Wft definition of advice. General education is distinct from this. A pension fund may guide and advise members about choices within its own scheme; such guidance does not automatically constitute separate Wft product advice.
What should a customer check?
Ask which service is provided, who is responsible and what qualification and current authorisation the adviser holds. Also check the firm’s relevant licence in the AFM register. Agree the scope of the work and the cost beforehand.
What does BPH do?
Bureau Pensioen Hulp has no AFM licence. BPH provides general education and, on request, can introduce you to an external adviser using contact details only. BPH does not provide personal product recommendations, compare products for you or mediate in arranging them. Check an external adviser’s authorisation, services and fees yourself.
Frequently asked questions
Are Basis and Pensioen enough?
No. The CDFD specifies Basis, Vermogen and Pensioen for the Adviseur Pensioen qualification.
Does a BPH certificate authorise advice?
No. An educational course certificate replaces neither an official Wft qualification, a PE examination nor a required firm licence.
Sources and reference date
Reference date: 28 October 2026. Check your own scheme and current conditions before deciding.