Retirement planning
Personal advice on retirement and protection
To close the pension gap efficiently, the law divides retirement planning into three layers with different tax treatment. Optimal cover combines these building blocks based on your life situation, free and non-binding, on site and online.
The right mix for your life stage
Optimal retirement planning combines state support, employer schemes and flexible private wealth building. I help you find the balance that fits your income, goals and tax situation.
Basic provision
Statutory pension & Rürup
Focus
Mandatory provision and tax-subsidised basic cover.
Benefit
Contributions deductible up to 100% as special expenses, ideal for high earners and the self-employed.
Supplementary provision
Occupational pension (bAV) & Riester
Focus
Subsidised provision for employees.
Benefit
Contributions flow tax-free from gross salary. The employer adds at least 15%.
Private provision
ETFs/funds, property, private pensions
Focus
Flexible wealth building and maximising returns.
Benefit
Highest flexibility plus significant tax advantages in retirement, for example the half-income method on fund policies.
The takeaway
Perfect retirement planning is not a single product, but an individual mix of state support (layers 1 and 2) and maximum return and flexibility (layer 3).
Plan your retirement with confidence
No fees for advice, comparison, check-up and optimisation. Let's build the right mix for your situation.