Retirement Planning
For many people, statutory pension insurance provides a basic foundation, but it is often not enough to fully secure the desired standard of living in old age. Supplementary retirement planning can help to identify gaps in coverage at an early stage and close them in a planned approach.
The goal is not to pay the highest possible contributions, but to integrate retirement planning into the overall financial structure in a reasonable manner. Different retirement solutions fulfill different tasks—tax-related, flexible, or long-term fixed.
A well-thought-out retirement plan complements the statutory pension in a targeted manner and creates planning security. Anything beyond that can be used for structured wealth building.
Statutory pension insurance
For many people, statutory pension insurance forms the cornerstone of their retirement planning. It provides lifelong pension payments and creates a basic level of security in old age. For many working people, however, this basic pension alone is not enough to maintain their accustomed standard of living in the long term.
This is because there are fewer and fewer contributors* for more and more pensioners, resulting in a pension level of 48%* and an average pension of EUR 1,309*. And the trend is downward.
So it's clear: additional retirement planning is needed. But what is the right kind of retirement planning?
Your retirement options
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Basic retirement plan / Rürup
Tax-advantaged retirement plan in which an average of 33% of contributions are tax-deductible.
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company pension plan
Your employer—as required—pays part of your retirement plan. This also reduces social security contributions and taxes.
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private retirement plan / Flex
As flexible as the stages of your life. And the pension payments are tax-privileged, but the contribution phase is not.
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other options
Of course, there are other options for retirement planning, ranging from real estate to investment accounts to private equity. It is best to seek individual advice.
Our other areas of expertise
Insurance Protection
Many risks of everyday life can be insured against, providing financial security. However, it is crucial that the insurance cover is tailored to your personal situation and does not lead to overinsurance.
We help you develop a balanced and sensible insurance structure.
Investment
In addition to insurance protection and retirement planning, targeted wealth growth is becoming increasingly important. Long-term investments offer the opportunity to expand your financial flexibility.
We can help you develop a suitable investment strategy.