Cancelling an Occupational Pension (bAV): What You Lose and the Better Alternatives
Cancelling an occupational pension can carry serious financial consequences – from back-tax payments to the loss of accumulated capital.
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The law firm Dr. Fiala, based in Munich / Nymphenburg, advises and supports private and corporate clients. As a law firm we pursue a holistic approach that always safeguards your interests and is solution-oriented. Thanks to our extensive network, we can solve complex technical and legal problems in an expert manner and from a single source. Our main focus is on the areas of real estate industry, financial services, as well as tax- and insurance law. Furthermore, we act for our clients in the fields of banking and investment law as well as tax advice.
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Cancelling an occupational pension can carry serious financial consequences – from back-tax payments to the loss of accumulated capital.
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Whether at work, on the road or in tenancy matters – legal expenses insurance can help when a legal dispute is looming.
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From unpaid invoices to suspected money laundering – the reasons for account blocks are manifold.
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Banks often secure loans with far more assets than necessary than would actually be required.
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Liechtenstein – how to open a secure bank account and protect your assets, right on the EU's doorstep.
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Real estate annuity, life annuity, partial sale – the models differ considerably. This article compares all the options.
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Sale-and-leaseback provides immediate liquidity – but the legal risks for real estate are complex.
Read more (DE)We were looked after quickly and very pleasantly. Simply mentioning Mr. Fiala's name got the management moving. What had seemed impossible before we had representation resolved itself with ease. It never even came to the point…
We were looked after quickly and very pleasantly. Simply mentioning Mr. Fiala's name got the management moving. What had seemed impossible before we had representation resolved itself with ease. It never even came to the point where Mr. Fiala actually had to put pen to paper. Admittedly an ideal case, but without the option of putting expert advice into the balance, we would never have approached the LBS so confidently with our claims. Thank you for the backing. Especially on the complicated topic of the Riester pension via a home-ownership savings account, lawmakers have completely failed to put savers in a good legal position. A specialist law firm like Mr. Fiala's is sorely needed for that.
I was in contact with Dr. Fiala in a very complicated, long-running inheritance case, in which he acted as executor. He was always honest and trustworthy. Whenever I had questions I could reach out to the law firm at any time and…
I was in contact with Dr. Fiala in a very complicated, long-running inheritance case, in which he acted as executor. He was always honest and trustworthy. Whenever I had questions I could reach out to the law firm at any time and always received detailed information, and even a personal recommendation now and then. He always made an effort to find ways to help me. In future I would want Dr. Fiala as my lawyer for all further matters as well.
I contacted the law firm Dr. Fiala for an initial consultation regarding an early repayment penalty and always felt in the best hands there. The whole team took a great deal of time for my concerns, and at no point did I…
I contacted the law firm Dr. Fiala for an initial consultation regarding an early repayment penalty and always felt in the best hands there. The whole team took a great deal of time for my concerns, and at no point did I feel like I was being fobbed off as quickly as possible. My unreserved recommendation!
I approached Mr. Fiala about a complicated dispute over the beneficiary rights on a life insurance policy, having first found helpful information on the topic on the law firm's website, and Mr. Fiala gave me quite detailed information on my…
I approached Mr. Fiala about a complicated dispute over the beneficiary rights on a life insurance policy, having first found helpful information on the topic on the law firm's website, and Mr. Fiala gave me quite detailed information on my very first call. At first I was a little disappointed because Mr. Fiala handed my case over to another lawyer at his firm, Mr. Gottschlich. But Mr. Gottschlich looked after me competently and, in particular, resolved the case by reaching an out-of-court settlement with the other side that was favourable to me, faster and with a better result than I had thought possible. So I am very satisfied and can recommend the firm.
Brought my documents to the firm, short meeting, notified that the opposing insurer would pay, notified it was settled! And all of it stress-free!
The first telephone consultation appointment was kept punctually, exactly to my taste as a dentist used to working on a tight schedule. After the first exchange with Mr. Fiala it becomes clear that here is a competent and…
The first telephone consultation appointment was kept punctually, exactly to my taste as a dentist used to working on a tight schedule. After the first exchange with Mr. Fiala it becomes clear that here is a competent, exceptionally knowledgeable lawyer and person. You get the feeling that you are in good hands and truly understood.
I got to know and appreciate the team at the Fiala law firm last year during a legal dispute with my health insurer. No matter what questions you ask, whether they are simple, difficult, or simply pointless, you always get…
I got to know and appreciate the team at the Fiala law firm last year during a legal dispute with my health insurer. No matter what questions you ask, whether they are simple, difficult, or simply pointless, you always get a clear and competent answer. Since most people are already stressed by some kind of legal dispute in the first place, and nobody wishes for that, it's good to know someone you can truly trust – which, these days, is far from a given. I was also very, very cautious at first, because you often read odd things about lawyers in general, and if you have never had a legal dispute in your life, it's important, especially the first time, to find someone you can trust. The Fiala law firm then turned out to be a real hit fairly quickly. With Dr. Fiala, and the rest of the team, you never get the feeling that you are being "processed" as quickly as possible for as much money as possible – hence an emphatic recommendation from me!
I have a lot of dealings with lawyers from various fields of law. But my contact with Dr. Fiala is one of the most valuable experiences I have ever had. He doesn't just take the necessary time, but – more importantly –…
I have a lot of dealings with lawyers from various fields of law. But my contact with Dr. Fiala is one of the most valuable experiences I have ever had. He doesn't just take the necessary time, but – more importantly – shows full interest and even passion. A really wonderful thing that personally impressed me is how quick-witted he is and how much experience he brings, bringing even small details to light. When I heard his advice, I only regretted not having contacted him sooner. I have already told my friends about him. I can only really recommend him, and I now also know who to contact for my next problems.
I had the pleasure of having a very pleasant and informative conversation with Dr. Fiala. Alongside his high level of expertise across a wide range of topics and the charming way in which he conveys it, all my…
I had the pleasure of having a very pleasant and informative conversation with Dr. Fiala. Alongside his high level of expertise across a wide range of topics and the charming way in which he conveys it, all my questions were answered. I look forward to working with his law firm.
The initial conversation with Dr. Fiala was not only pleasant on a personal level but also very informative. In response to my questions, I was shown very concrete and nuanced options for action, some of which opened up an…
The initial conversation with Dr. Fiala was not only pleasant on a personal level but also very informative. In response to my questions, I was shown very concrete and nuanced options for action, some of which opened up an entirely new perspective for me. I can absolutely recommend Dr. Fiala's advice.
Great commitment, immediate phone contact after an email request to take on the case. Clear and helpful explanations of the next steps and a direct assessment of the case. Mandate for representation granted.
Dr. Fiala convinced me with his deep and broad expert knowledge. He is not only a highly competent lawyer, but he can also pass on his knowledge patiently and in terms I could understand – which allowed me to…
Dr. Fiala convinced me with his deep and broad expert knowledge. He is not only a highly competent lawyer, but he can also pass on his knowledge patiently and in terms I could understand – which allowed me to follow and understand what are often complicated legal matters. Everything is simply right here – from the first consultation to the last legal brief – and by the way, the same goes for his dedicated and flexible office team.
The Fiala law firm stands out for its outstanding professional expertise, high approachability, quick availability and an extremely personable manner. Mr. Fiala has already proven himself in several legal matters as an…
The Fiala law firm stands out for its outstanding professional expertise, high approachability, quick availability and an extremely personable manner. Mr. Fiala has already proven himself in several legal matters to be an extremely proactive and supportive expert. His professional approach and sound expertise have helped clarify complex legal questions and find solutions. The Fiala law firm is distinguished not only by its technical excellence but also by its personal attention and quick response to concerns. The team's approachability and Mr. Fiala's timely availability have made it possible to handle legal matters efficiently and promptly. This has contributed not only to fast solutions but also to an overall positive experience. Particularly worth highlighting is the personable manner of Mr. Fiala and the entire team. The friendly yet professional atmosphere helps you feel well looked after and builds confidence in the legal support you receive. This human element, combined with technical brilliance, makes working with the Fiala law firm a thoroughly positive experience. At this point I would like to extend a heartfelt thank you to Mr. Fiala and his team. The dedicated support across various legal matters has led not only to successful solutions but also to strengthened confidence in legal advice generally. The Fiala law firm is without doubt an excellent choice for anyone looking not just for technical competence, but also for personal, supportive care.
While looking for a lawyer specialising in inheritance law, I found Dr. Johannes Fiala. After a friendly and very informative initial conversation, my documents were reviewed within a few days, and the case then progressed…
While looking for a lawyer specialising in inheritance law, I found Dr. Johannes Fiala. After a friendly and very informative initial conversation, my documents were reviewed within a few days, and the case then progressed faster than I had ever experienced before. Whenever I had questions or things were unclear, the Fiala law firm was always there to help with advice and action, and I feel extremely well looked after. My matter was decided in my favour. The legal second opinion, in my case, meant that the loss of a substantial five-figure sum could be avoided. I can recommend the firm with a completely clear conscience!
I felt very well looked after by Dr. Fiala and his team. My legal situation was explained to me in precise, understandable terms, which gave me complete confidence that I would be helped in the best possible way in my…
I felt very well looked after by Dr. Fiala and his team. My legal situation was explained to me in precise, understandable terms, which gave me complete confidence that I would be helped in the best possible way in my situation. Dr. Fiala is not only professionally competent but also very warm and understanding. I can really recommend him and his firm.
Already after the first contact I can give the following feedback: a) lightning fast b) a broad view of the situation c) concrete approaches I was impressed by the breadth of knowledge, paired with a healthy dose of…
Already after the first contact I can give the following feedback: a) lightning fast b) a broad view of the situation c) concrete approaches I was impressed by the breadth of knowledge, paired with a healthy dose of common sense & humour. Many thanks for our conversation.
During my initial consultation, Dr. Fiala immediately gave me the impression of truly being heard. He took an interest in my problem, asked pertinent follow-up questions, and gave me "homework" so that my case could be…
During my initial consultation, Dr. Fiala immediately gave me the impression of truly being heard. He took an interest in my problem, asked pertinent follow-up questions, and gave me "homework" so that my case could be examined and illuminated more closely afterwards. I felt very well looked after and advised in a thoroughly competent and professional manner. The fact that Dr. Fiala is also very empathetic and doesn't run a "standard consultation", but instead shows understanding for the concerns raised and wove in many asides from his many years of practice and varied experience, made the whole conversation – despite the complexity of my problem and the seriousness of the situation – an entertaining and pleasant experience. I am now getting started on my "homework" and very much hope that Dr. Fiala and his team see enough prospect of success to take on my case. I can recommend the initial consultation with Dr. Fiala without reservation.
We look forward to hearing from you. We are your strong partner for the fast resolution of your matter.
Law Firm Dr. Johannes Fiala
Fasolt-Straße 7
80639 Munich
Phone: +49 89 – 17 90 90 – 0
Fax: +49 89 – 17 90 90 – 70
Skype: Dr. Johannes Fiala PhD
Email: info@fiala.de
Opening hours:
Monday – Thursday: 9:00 am – 3:00 pm
Friday: 9:00 am – 1:00 pm
(Outside office hours as well as on weekends and public holidays, callbacks will be made promptly!)
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