Public Relations

Fasolt-Straße 7, 80639 Munich

bAV: Time value account with CTA or pledge – The insolvency protection lie

by Johannes Fiala, Lawyer (Munich), M.B.A. (Univ.Wales), M.M. (Univ.), Certified Financial and Investment Advisor (A.F.A.), EC Expert (C.I.F.E.), Banker (www.fiala.de ) 6th implementation channel of the occupational pension scheme: The time value account has been praised as the Egg of Columbus. Above all, the option of later conversion into an occupational pension scheme makes the […]

Published on: 2. August 2006

occupational pension schemes: occupational pension schemes in “unrecognised insolvent” companies

*by Johannes Fiala, lawyer (Munich), M.B.A. (Univ.Wales), (www.fiala.de) and Diplom-Kaufmann (Univ.) Edmund J. Ranosch, financial analyst (Wöllstadt) Over-indebtedness and occupational pension schemes: Pursuant to section 19 para. 2 InsO, over-indebtedness exists if the debtor’s assets do not cover the existing liabilities. The decisive factor is that this cannot be read directly from either the commercial […]

Published on: 2. August 2006

bAV: Pledge gap – No insolvency protection for widows ?

by Johannes Fiala, Lawyer (Munich), M.B.A. (Univ.Wales), M.M. (Univ.), Certified Financial and Investment Advisor (A.F.A.), EC Expert (C.I.F.E.), Banker (www.fiala.de ) occupational pension commitment for widows and orphans: In its advertising for occupational pension schemes, the insurance industry claims that various implementation channels are protected against insolvency. This advertising is often, according to the new […]

Published on: 2. August 200616. February 2021

bAV: No insolvency protection of direct insurance with revocable subscription right of the GGF, despite vesting

by Johannes Fiala, Lawyer (Munich), M.B.A. (Univ.Wales), M.M. (Univ.), Certified Financial and Investment Advisor (A.F.A.), EC Expert (C.I.F.E.), Banker (www.fiala.de ) Revocable subscription right In the event of insolvency, the employee does not have a right to separate satisfaction in respect of a direct insurance policy if the subscription right is designed to be revocable. […]

Published on: 2. August 2006

bAV: Suspicion of fraud in bAV distribution

by Johannes Fiala, Lawyer (Munich), M.B.A. (Univ.Wales), M.M. (Univ.), Certified Financial and Investment Advisor (A.F.A.), EC Expert (C.I.F.E.), Banker (www.fiala.de ) Cooperation Agreement: A bAV distributor risks trouble with the public prosecutor’s office: Hundreds of financial service providers are apparently supposed to use a model cooperation agreement with tax consultants to promote business. The drafter […]

Published on: 2. August 200616. February 2021

Only one signature is sufficient for an effective pension commitment

by Johannes Fiala, Lawyer (Munich), M.B.A. (Univ.Wales), M.M. (Univ.), Certified Financial and Investment Advisor (A.F.A.), EC Expert (C.I.F.E.), Banker (www.fiala.de ) Pension commitment only has to be signed by the obligor In the case of a pension commitment, the written agreements are usually signed by the employer and a copy is then sent to the […]

Published on: 2. August 200616. February 2021

Occupational pension schemes: Advice protocols and products put to the test

*by Peter F. Then, insurance broker (Veitshöchheim), lawyer (www.then-finanz.de) and Johannes Fiala, lawyer (Munich), banker (www.fiala.de ) The information problem: An agent writes ‘I personally have no problem with broker liability. I am largely responsible for my own actions. Only that I should take over the liability for the mistakes of my suppliers does not […]

Published on: 2. August 2006

bAV: Insolvency protection through security deposit for the working time account

by Alfons-Maria Gracher, credit and surety broker (Trier), banker (www.buergschaft.com) and Johannes Fiala, lawyer (Munich), banker (www.fiala.de) Time value account and part-time work for older employees: The protection of credit balances from part-time work for older employees as well as time value accounts is a legal obligation of the employer, cf. § 8a ATG and […]

Published on: 2. August 2006

bAV: Total loss, social welfare and old-age poverty instead of ?life insurance with pension commitment?

by Johannes Fiala, Lawyer (Munich), M.B.A. (Univ.Wales), M.M. (Univ.), Certified Financial and Investment Advisor (A.F.A.), EC Expert (C.I.F.E.), Banker (www.fiala.de) In the beginning there is often a tax saving model: For the family business, which is usually run as a GmbH (limited liability company), the company pension scheme (bAV), for example as a pension commitment, […]

Published on: 2. August 2006

bAV: The obligation to convert remuneration in accordance with § 1 of the German Company Pension Act (BetrAVG) – a liability trap with a possible insolvency risk

*by Ralph C. Kiening (Bamberg), corporate consultant-bAV (www.betriebsrentenkasse.de) and Johannes Fiala (Munich), lawyer (www.fiala.de) Old-age poverty preprogrammed? A recent study by the German Institute for Retirement Provision (DIA) reveals that the statutory pension is no longer sufficient. However, almost 60 percent of all households do not provide sufficiently for their old age. Almost one third […]

Fasolt-Straße 7, 80639 Munich

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089 / 17 90 900

info@fiala.de

Fasolt-Straße 7, 80639 Munich

Callback service

089 / 17 90 900

info@fiala.de

bAV: Time value account with CTA or pledge – The insolvency protection lie

occupational pension schemes: occupational pension schemes in “unrecognised insolvent” companies

bAV: Pledge gap – No insolvency protection for widows ?

bAV: No insolvency protection of direct insurance with revocable subscription right of the GGF, despite vesting

bAV: Suspicion of fraud in bAV distribution

Only one signature is sufficient for an effective pension commitment

Occupational pension schemes: Advice protocols and products put to the test

bAV: Insolvency protection through security deposit for the working time account

bAV: Total loss, social welfare and old-age poverty instead of ?life insurance with pension commitment?

bAV: The obligation to convert remuneration in accordance with § 1 of the German Company Pension Act (BetrAVG) – a liability trap with a possible insolvency risk

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