{"id":13123,"date":"2026-05-21T09:17:32","date_gmt":"2026-05-21T08:17:32","guid":{"rendered":"https:\/\/esofitec.com\/sin-categorizar\/junta-de-trocola-el-calculo-de-pensions-servei-competitiu\/"},"modified":"2026-08-11T11:27:40","modified_gmt":"2026-08-11T10:27:40","slug":"junta-de-trocola-el-calculo-de-pensions-servei-competitiu","status":"publish","type":"post","link":"https:\/\/esofitec.com\/ca\/podcast-junta-de-trocola\/junta-de-trocola-el-calculo-de-pensions-servei-competitiu\/","title":{"rendered":"Junta de Trocola \u2013 El c\u00e0lcul de pensions, servei competitiu?"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section video-row\"><div class=\"et_pb_row_0 et_pb_row et_block_row\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Inicio<\/span><\/p><\/nav>\n<\/div><\/div><div class=\"et_pb_video_0 et_pb_video et_pb_module et_block_module\"><div class=\"et_pb_video_box\"><iframe loading=\"lazy\" title=\"Junta de Tr\u00f3cola - El c\u00e1lculo de pensiones, \u00bfservicio competitivo?\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/4qiTbbZ3o0E?feature=oembed\"  allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div><div class=\"et_pb_video_overlay\" style=\"background-image:url(https:\/\/esofitec.com\/wp-content\/uploads\/2026\/05\/ytpinol.png)\"><div class=\"et_pb_video_overlay_hover\"><a class=\"et_pb_video_play\" href=\"#\"><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_row_1 et_pb_row et_pb_equal_columns et_block_row\"><div class=\"et_pb_column_1 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>Junta de Trocola \u2013 El c\u00e0lcul de pensions, servei competitiu?<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Es pot diferenciar una assessoria calculant pensions? Probablement no ho estiguin fent. I probablement estan deixant passar una oportunitat enorme.  <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">En aquest episodi de Junta de Tr\u00f2cola parlem amb Jordi Pi\u00f1ol, expert en pensions d'Esofitec, sobre una cosa que gaireb\u00e9 tothom deixa per a l'\u00faltim moment: saber quant cobrar\u00e0s quan et jubilis. Les vides laborals cada vegada s\u00f3n m\u00e9s complexes, la legislaci\u00f3 m\u00e9s restrictiva, i l'eina p\u00fablica de l'INSS es queda curta. \u00c9s aqu\u00ed on entra l'oportunitat per al despatx professional que arribi abans.  <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Qui arriba amb 62 anys ja no pot fer gran cosa. El que va arribar amb 55 encara tenia marge i se li pot oferir un bon servei des de la nostra assessoria o gestoria. Un tema interessant que obre noves possibilitats de negoci.    <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Aix\u00f2 no ha fet m\u00e9s que comen\u00e7ar. Cada dues setmanes, un nou episodi. <\/p>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_row_2 et_pb_row et_pb_equal_columns et_block_row\"><div class=\"et_pb_column_2 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2 class=\"p1\"><b>Tamb\u00e9 ho pots escoltar a:  <\/b><b><\/b><\/h2>\n<\/div><\/div><div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><iframe loading=\"lazy\" src=\"https:\/\/widget.spreaker.com\/player?episode_id=72094607&theme=light&playlist=false&playlist-continuous=false&chapters-image=true&episode_image_position=right&hide-logo=false&hide-likes=false&hide-comments=false&hide-sharing=false&hide-download=true\" width=\"100%\" height=\"200px\" title=\"Junta de Trocola - El c\u00e0lcul de pensions, servei competitiu?\" frameborder=\"0\"><\/iframe><\/div><\/div><div class=\"et_pb_code_1 et_pb_code et_pb_module\"><\/div><\/div><\/div><div class=\"et_pb_row_3 et_pb_row et_block_row\"><div class=\"et_pb_column_3 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_0 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_blurb_container\"><h2 class=\"et_pb_module_header\">Demana informaci\u00f3<\/h2><div class=\"et_pb_blurb_description\"><p>  Demana'ns informaci\u00f3 sobre la soluci\u00f3.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_code_2 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f12360-o1\" lang=\"ca\" dir=\"ltr\" data-wpcf7-id=\"12360\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/ca\/wp-json\/wp\/v2\/posts\/13123#wpcf7-f12360-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulari de contacte\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"12360\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"ca\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f12360-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7cf_hidden_group_fields\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_hidden_groups\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_visible_groups\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_repeaters\" value=\"[]\" \/><input type=\"hidden\" name=\"_wpcf7cf_steps\" value=\"{}\" \/><input type=\"hidden\" name=\"_wpcf7cf_options\" value=\"{&quot;form_id&quot;:12360,&quot;conditions&quot;:[],&quot;settings&quot;:{&quot;animation&quot;:&quot;yes&quot;,&quot;animation_intime&quot;:200,&quot;animation_outtime&quot;:200,&quot;conditions_ui&quot;:&quot;normal&quot;,&quot;notice_dismissed&quot;:false,&quot;repeater_remove_button&quot;:&quot;bottom&quot;}}\" \/>\n<\/fieldset>\n<div style=\"width: 50%; float: right\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"sm-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-campo-img\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Nom*\" value=\"\" type=\"text\" name=\"sm-name\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"sm-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email form-campo-img\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Correu electr\u00f2nic*\" value=\"\" type=\"email\" name=\"sm-email\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"sm-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel form-campo-img\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Tel\u00e8fon*\" value=\"\" type=\"tel\" name=\"sm-phone\" \/><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"sm-company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required form-campo-img\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Empresa*\" value=\"\" type=\"text\" name=\"sm-company\" \/><\/span>\n\t<\/p>\n<\/div>\n<div style=\"width: 50%; float: left\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea form-campo-img\" aria-invalid=\"false\" placeholder=\"El teu missatge aqu\u00ed\" name=\"your-message\"><\/textarea><\/span>\n\t<\/p>\n<\/div>\n<div style=\"clear:both\">\n\t<div style=\"width: 95%; margin:10px;\">\n\t\t<p><label style=\"color:#262626\">Esofitec tractar\u00e0 les teves dades personals per gestionar la teva petici\u00f3 de contacte i per a l'enviament de novetats i comunicacions comercials electr\u00f2niques si aix\u00ed ho autoritzeu. Pots exercir els drets que la normativa de protecci\u00f3 de dades et reconeix, tal com s'explica a la <a href=\"https:\/\/esofitec.com\/politica-de-privacidad\/\" target=\"_blank\">Pol\u00edtica de Privadesa<\/a> , on hi pots trobar la informaci\u00f3 detallada relativa al tractament de les teves dades. <\/label><br \/>\n<label style=\"display:inline-flex; margin-left: 5px; padding-top: 5px; color:#262626\"><span class=\"wpcf7-form-control-wrap\" data-name=\"privacidad\"><span class=\"wpcf7-form-control wpcf7-checkbox wpcf7-validates-as-required\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"privacidad[]\" value=\"He llegit el dret d'informaci\u00f3 i consenteixo el tractament de les meves dades personals per a gestionar la meva petici\u00f3.\" \/><span class=\"wpcf7-list-item-label\">He llegit el dret d'informaci\u00f3 i consenteixo el tractament de les meves dades personals per a gestionar la meva petici\u00f3.<\/span><\/span><\/span><\/span><\/label><br \/>\n<label style=\"display:inline-flex; margin-left: 5px; color:#262626\"><span class=\"wpcf7-form-control-wrap\" data-name=\"sm-optin\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"sm-optin\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">Vull rebre novetats, continguts exclusius, comunicacions (fins i tot via electr\u00f2nica) i ofertes especials d'Esofitec<\/a><\/span><\/span><\/label><\/span><\/span><\/span><\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"URL\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-url wpcf7-text wpcf7-validates-as-url hidden\" id=\"infoweb\" aria-invalid=\"false\" value=\"\" type=\"url\" name=\"URL\" \/><\/span>\n\t\t<\/p>\n\t\t<div>\n\t\t\t<p><script type=\"text\/javascript\">\n var url = (window.location != window.parent.location)\n ? document.referrer\n : document.location.href;\n\n document.getElementById(\"infoweb\").value = url; \n<\/script>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<p><span id=\"wpcf7-6aa570176a5c3-wrapper\" class=\"wpcf7-form-control-wrap cf7apps-honeypot-wrap honeypot-331-wrap\" data-cf7apps-honeypot=\"honeypot-331\" style=\"position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;\"><input type=\"hidden\" name=\"honeypot-331-random-hash\" value=\"20260912\"><input type=\"hidden\" name=\"honeypot-331-time-token\" value=\"MTc4OTIyNzAzMQ==.441c62ae8122c6938c761527dec6dd65e9720760a62e90fcd4e3274083f30530\"><label\n\t\t    for=\"wpcf7-6aa570176a5c3-field\"\n\t\t    class=\"hp-message\"\n        >Deixeu aquest camp buit.<\/label><input\n\t    id=\"wpcf7-6aa570176a5c3-field\"\n\t    \n\t    class=\"wpcf7-form-control wpcf7-text\"\n\t    type=\"text\"\n\t    name=\"g6vk0zunyugg\"\n\t    value=\"\"\n\t    autocomplete=\"new-password\"\n\t    tabindex=\"1000\"\n\t    data-cf7apps-tabindex=\"1000\"\n    \/><\/span>\n\t\t<\/p>\n\t\t<div style=\"text-align:right\">\n\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner form-button et_hover_enabled\" type=\"submit\" value=\"Enviar\" \/>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":15,"featured_media":13124,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[591],"tags":[683,702,700,587,714,712,525,705,725,721,639,716,715,734,666,738,586,737,736,674,747,741,740,568],"class_list":["post-13123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podcast-junta-de-trocola","tag-a3asesor","tag-assessoria","tag-autonoms","tag-calcul-de-pensions","tag-competitivitat","tag-despatx-professional","tag-digitalitzacio","tag-fidelitzacio-clients","tag-gestoria","tag-incapacitat","tag-jordi-pinol","tag-jubilacio","tag-jubilacio-anticipada","tag-jubilacio-demorada","tag-junta-de-trocola","tag-orfandat","tag-pensions","tag-pluriocupacio","tag-regim-general","tag-seguretat-social","tag-software-de-pensions","tag-vida-laboral","tag-viduitat","tag-wolters-kluwer"],"_links":{"self":[{"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/posts\/13123","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/comments?post=13123"}],"version-history":[{"count":2,"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/posts\/13123\/revisions"}],"predecessor-version":[{"id":13126,"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/posts\/13123\/revisions\/13126"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/media\/13124"}],"wp:attachment":[{"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/media?parent=13123"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/categories?post=13123"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/esofitec.com\/ca\/wp-json\/wp\/v2\/tags?post=13123"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}