Drying up of life insurance – too few investment options for too much money

– Why life insurance has outlived its usefulness as a capital accumulation vehicle –   Wim Duisenberg, ex-president of the ECB, when asked how he invests his money: “Personally, I’m in the fortunate position of having no reserves.”   Statistically, up to more than 80 million German citizens own more than one life insurance policy. […]

Complex asset management

Long-term planning but in line with demand If you earn money, you have to learn how to handle it. On the one hand, it is important to be able to cover the needs of daily life and, on the other, to ensure long-term financial stability. Satisfying the basic needs of a human being is only […]

Gift tax and inheritance tax

How to protect your assets from gift tax First of all, it is important to clarify the question of why such a bizarre-sounding tax as the gift tax is actually levied in Germany. The widespread belief that one can freely dispose of one’s own property and private assets, which have already been severely affected by […]

Optimisation of widow’s pensions for compulsory members of pension schemes

– Possibilities of structuring pension assets in pension chambers –   The Higher Administrative Court of Rhineland-Palatinate (OVG Rheinland-Pfalz, judgment of 26.05.2010, Case No. 6 A 10320/10.OVG) already dismissed the action of a doctor who wanted to have it established that his wife would later be entitled to a widow’s pension from the pension fund. […]

Insurers often do not know the content of their own General Insurance Conditions

– Why policyholders wrongly go away empty-handed in whole or in part in the event of a claim –   In the past, many customers were notified of changes to the General Insurance Conditions (AVB) that were invalid. In some cases, the insurers (VR) were forbidden by the courts, under threat of punishment, to refer […]

Reversal of insurance policies for capital & financial investment

Why you should cancel an insurance policy After taking out an insurance policy, there are Insured persons have two options contractual relationship with your insurer to terminate the contract: On the one hand, the contract can be terminated – like any contract- under Compliance with the legal deadlines informal and on the other hand, it […]

Experts

If you confront a judge with the popular saying “In court and on the high seas only the good Lord knows what happens to you”, the answer will promptly come: “No, no, … before the experts and on the high seas …”. Court-appointed and publicly appointed experts, but also private experts have an important function […]

Contract law and contract drafting

The basis for economic and social cooperation Every day, we conclude private or business contracts in different types. These conventions regulate at different levels the social interaction and orderly dealings of different parties with one another. The formulation of contracts takes place within the framework of the legally possible, always with an eye to the […]

Attorney Tax Law Munich

Your lawyer for tax law: How we support our clients in the tax jungle German tax law is one of the most complex tax systems in the world, even if the often quoted story of the most comprehensive tax literature in the world is probably a bourgeois Moravia. As Attorney for tax law we offer […]

Finance and risk control

More wealth in a planned and controlled manner The own assets in a planned and future-oriented management as well as value-enhancing and risk-optimized investment requires the highest degree of Knowledge and time. Not everyone who has achieved a certain level of wealth is also a financial or controlling expert , so it is advisable to […]