Financial distribution without a licence and without supervision?

Rate this post In 2007 at the latest, we began to regulate the free brokerage of financial products to a greater extent. Good reputation, liability insurance, proven expertise, the obligation to provide extensive information and documentation are standard. Some “old hands” have saved themselves into the new era without a certificate of competence. Since this […]

Finance and risk Control

Planvoll und kontrolliert zu mehr Vermögen Das eigene Vermögen planvoll und zukunftsorientiert zu betreuen sowie wertsteigernd und risikooptimiert anzulegen, erfordert ein Höchstmaß an Wissen und Zeit. Nicht jeder, der es zu einem gewissen Vermögen gebracht hat, ist auch ein Finanz- oder Controlling-Experte und so empfiehlt es sich, unabhängige Expertise  und externes Know-How mit ins Boot zu holen, um optimale […]

Client Information July 2008

Rate this post Publisher: *by Dr. Johannes Fiala, Attorney at Law (Munich), MBA Financial Services (Univ.), MM (Univ.), Certified Financial and Investment Advisor (A.F.A.), Banker (www.fiala.de), ehem. Member of the examination board of the Munich Chamber of Industry and Commerce for the expert examination of financial advisors for financial services and financial services specialists, lecturer for […]

“As of January 01, 2010, anonymity will be retroactively eliminated.”

Rate this post The implementation of the new legal situation guarantees full information across the border for tax authorities and tax investigations. The authors describe resulting consequences. Red.   In the case of Klaus Zumwinkel, the former board member of Deutsche Post AG, the camera team was already ready before the start of the raid […]

Company pension scheme: Early termination of insurance contracts in the event of a change of employer

Rate this post By Dr. Johannes Fiala and Thomas Keppel Reader A. S. asks: In the July 2007 issue of BC, I read with great interest the article on occupational pension provision and the employer’s obligation to offset losses in the case of deferred compensation. Subsequently, I invited our insurance agent for a discussion. He […]

“Fee-based advisors” instead of multiple agents, exclusivity or insurance brokers?

Rate this post A megatrend with built-in incitement to – and liability for – tax evasion *by Dr. Johannes Fiala, Attorney at Law (Munich), MBA Financial Services (Univ.), MM (Univ.), Certified Financial and Investment Advisor (A.F.A.), Lecturer for Civil and Insurance Law (BA Heidenheim, Univ. of Cooperative Education), (www.fiala.de) and Dipl.-.Math. Peter A. Schramm, expert […]

“Fee-based advisors” instead of multiple agents, exclusivity or insurance brokers?

Rate this post A megatrend with built-in incitement to – and liability for – tax evasion *by Dr. Johannes Fiala, Attorney at Law (Munich), MBA Financial Services (Univ.), MM (Univ.), Certified Financial and Investment Advisor (A.F.A.), Lecturer for Civil and Insurance Law (BA Heidenheim, Univ. of Cooperative Education), (www.fiala.de) and Dipl.-.Math. Peter A. Schramm, expert […]

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RA Johannes Fiala: Life insurances owe new account and additional payment

Rate this post Johannes Fiala Press Release No. 2/2005 *by Peter Schramm, expert and Johannes Fiala, lawyer Two decisions from 2005 will massively change the contracts of life insurers and the settlement practice in the future in favour of consumers: These are the BGH rulings of 12.10.2005 (Ref. IV ZR 162/03, 177/03, 245/03) and the […]

Inheritance is becoming more expensive: Trust foundation as a progressive and flexible solution for doctors

Rate this post Johannes Fiala, Frank M. Strobelt Medium-sized entrepreneurs – including many doctors, dentists and pharmacists – are currently facing a variety of problems for which they urgently need efficient solutions: According to calculations by the Institute for SME Research, over 300,000 family businesses are facing a change of ownership in the next few […]

bAV: Insolvency administrator can collect and realise reinsurance of a pension commitment of the GGF!

Rate this post *by Johannes Fiala, Attorney at Law (Munich), M.B.A. (Univ.Wales), M.M. (Univ.), Certified Financial and Investment Advisor (A.F.A.), Banker (www.fiala.de) At sales training courses it is often claimed that company pension schemes are protected against insolvency. Even an insolvency administrator cannot access this money of the managing partner (GGF) – in particular the […]