# Warren

> Building the financially fearless generation. Warren is the financial confidence layer for the working population. A modern Belgian pension product, paired with an app that turns financial complexity into clarity for every employee.

Warren is a Belgian pension product built around a modern app. Two pension products (EPP for teams, IPP for directors and self-employed) and a wealth enablement layer that lives in every member's pocket. This file is an LLM-friendly index of the site; the same content is also available as rendered HTML at the linked URLs.

## Products

- [Employee Pension Plan (EPP)](https://warren.eu/employee-pension-plan): Group pension built for Belgian SMEs and scale-ups. Calculator-first overview, comparison vs. legacy group insurance, intake form.
- [Individual Pension Plan (IPP)](https://warren.eu/individual-pension-plan-ipp): Tax-deductible second-pillar pension for company directors and the self-employed. Net cost calculator, eligibility, intake.
- [Wealth Enablement](https://warren.eu/wealth-enablement): The app underneath every Warren pension plan: AI coach, decoded payslip, Total Reward Statement, certified experts in two taps.

## Customer stories

- [How Helio Group made pensions readable for 832 people.](https://warren.eu/stories/helio-group): Eleanor Vermeer ripped out the 14-year-old broker contract, moved 832 members onto Warren in 18 days, and watched weekly engagement hit 78%.
- [How Wintercircus rebuilt its benefits story around real clarity.](https://warren.eu/stories/wintercircus): Louis Jonckheere's team was rebuilding the company from the inside. The pension was the last legacy contract in the way.
- [November Five's pension as a recruiting tool.](https://warren.eu/stories/november-five): Tom Vroemans put Warren on the careers page. Six months later, candidates were asking about it in the first interview.
- [Yuki built a benefits story its 110 builders are proud of.](https://warren.eu/stories/yuki): Ellen Sano didn't want another perk. She wanted a benefit that proved Yuki backed its people for the next thirty years.
- [Human37: clarity as a retention strategy.](https://warren.eu/stories/human37): Maxime Vandenbussche wanted his team to understand exactly what they were being paid. Warren made the payslip readable.

## Knowledge base · ebooks

- [Pension reform, decoded for HR.](https://warren.eu/knowledge-base/ebooks/pension-reform-for-hr): 8 May 2026 · Pension reform lands on HR's desk, not Finance's. The full breakdown of what changes for the benefits stack, with the audit template and quarter-one playbook in one PDF.
- [Pension reform, decoded for Finance.](https://warren.eu/knowledge-base/ebooks/pension-reform-for-finance): 22 April 2026 · The reform's financial mechanics, decoded. Contribution math, balance-sheet treatment and the fee transparency questions to ask before the next budget cycle.

## Events

- [Diamond sponsor at the Vlerick HR Day.](https://warren.eu/about/events/vlerick-hr-day-2026): 2026-06-10 · Ghent, BE · Warren is the Diamond Sponsor of the Vlerick HR Day 2026. Drop by the booth between sessions for a conversation on the second-pillar reform.
- [Financially Fearless Conference.](https://warren.eu/about/events/financially-fearless-conference-2026): 2026-10-01 · Ghent, BE · Save the date. Warren's flagship conference, 1 October 2026 at the Wintercircus in Ghent. Programme coming soon.

## About

- [Founders](https://warren.eu/about/founders): The people who started Warren.
- [Certified experts](https://warren.eu/about/experts): 10 independent financial coaches members can book through the app.
- [Events](https://warren.eu/about/events): Self-organised and sponsored events.
- [Careers](https://warren.eu/about/jobs): Open roles at Warren.
- [Contact](https://warren.eu/about/contact): How to reach the team.

## Optional

- [Full content dump](https://warren.eu/llms-full.txt): Long-form, machine-readable export of every product page, ebook, story, expert, and event.