Retirement planning with annuity purchase instead of life insurance or sovereign wealth funds with cash cover

– How the state can ensure the efficiency of retirement planning for the middle class –   After 31 years of work, average earners will only receive a basic pension (social welfare level, with up to less than 758 euros per month) – low earners would have to work 63 years in social security for […]

Retirement provision and asset planning

Private pension provision affects us all While 20 years ago bottle collecting pensioners were a rare sight on Germany’s streets, today they are already part of the everyday street scene. The results of a survey of the Deutsche Bank clearly show that already every second German citizenhas anxiety about this, no longer be able to […]

Every retirement plan on one leg is dangerous

Are state parliamentarians threatened with poverty in old age? Trade union pension experts complained in 2018 that members of a state parliament received 3.675% p.a. of their diets as a pension under the pension law in force until 2007, with a calculated income of EUR 8,220 after five years, i.e. EUR 1,510 as a pension. […]

Trust foundation allows medium-sized companies flexible succession planning

The dual foundation is a smart one for business succession and retirement planning. In this case, the shareholder-managing director of a GmbH transfers a large part of the company shares without voting rights and tax-neutrally to a charitable trust foundation. The remaining GmbH shares, equipped with voting and profit participation rights, are transferred to a […]

Retirement provision – what you should pay attention to when designing it

by Johannes Fiala, lawyer For years, age researchers have been preaching that there are too few working people to pay the pensions of the older generation. In the past, there were two or more working people whose contributions financed the pensioners. In the future, one working person should finance one pensioner and more. The influx […]

Professional financial planning

This way you will have your 2006 income and expenses safely under control!   Building a Comprehensive Financial Plan Professional private financial planning allows asset owners to answer many questions about their financial circumstances and private retirement planning. Financial planning identifies gaps in provision that may arise in retirement and helps to uncover and eliminate […]

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 […]


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Legal advice for your private pension provision

Private pension provision and its pitfalls Anyone who wants to take out insurance for old age cannot afford to ignore a private pension plan today. The standard of living with the statutory pension in the future is doubtful. A well thought-out concept for a private pension scheme is therefore equally important for self-employed and employees. […]

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 […]