In short
We advise independently on all three layers of retirement provision – from Rürup and Riester pensions to company pensions and immediate annuities – and also compare banking products such as loans, current accounts and savings accounts. We are licensed as a financial investment intermediary under § 34f GewO.
service_vorsorgeThe three-layer model of retirement provision
| Layer | Content |
|---|---|
| 1. Basic provision | Statutory pension insurance, civil servants' pensions, professional pension schemes, Rürup pension (basic pension) |
| 2. Supplementary provision | Company pension schemes (bAV), Riester pension |
| 3. Private provision | Private pension and life insurance, fund savings plans, property, securities |
Alternatively, people speak of the three-pillar model: statutory, occupational and private provision.
Rürup pension (basic pension)
The Rürup pension is particularly interesting for self-employed people and high earners because contributions are tax-advantaged. Before you choose a provider, we use our comparison tools to find the right tariff for you.
Immediate annuity
With an immediate or deferred annuity you close pension gaps with a single payment – in addition, starting immediately and guaranteed for life.
Company pensions and Riester
For employees, a company pension through salary conversion and employer contributions can be attractive; the Riester pension is supported by state allowances. We work out together what makes sense in your situation.
Finance: loans, current and savings accounts
Comparing is worthwhile for banking products, too. We help you find a suitable bank loan, a low-cost current account and attractive savings account conditions.
Sustainability
How we take sustainability risks into account when advising on investment and insurance-based investment products is explained in our sustainability information. Information on the statutory pension is available from the Deutsche Rentenversicherung.
How we approach retirement planning
- Identify the gap: which pension can you expect and what will you need?
- Use subsidies: tax advantages, allowances and employer contributions.
- Compare products: costs, guarantees and flexibility from different providers.
- Adjust regularly: your retirement planning grows with you.
Start with a free initial consultation.