Pension regulations are constantly changing and companies and their employees must always stay up to date. Issues such as increasing the retirement age, adjusting pension calculations and ensuring pension provision are just some of the aspects that are being discussed intensively. In addition, flexible transitions into retirement and private pension options are also playing an increasingly important role.

You should pay particular attention to the following

Statutory pension reforms: Changes to pension law, such as raising the retirement age or adjusting the pension formula, can have a significant impact on pension planning.
Company pension schemes: Company pension schemes offer a valuable supplement to the statutory pension.
Private pension options: In addition to statutory and company pension schemes, private pension models also play an important role.
Flexible transition to retirement: Many employees want a flexible transition to retirement, for example through part-time work or partial retirement models.
Tax aspects: The taxation of pensions and pension products is a complex issue that requires careful planning.
Health care in old age: Comprehensive pension advice should also take into account health care (health insurance) in old age.
International pension entitlements: International pension entitlements may be relevant for employees who have worked abroad.

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Our range of services

These are the advantages of transparent pension advice

Employee recruitment

Clear and transparent pension advice signals to potential new employees that the company is actively endeavouring to ensure the long-term financial security of its workforce. This can be a decisive factor when choosing an employer.
Employee retention

A transparent pension scheme and clear information on the transition to retirement boost employee motivation and strengthen the trust between them and their employer.
Flexible design options

By providing individually tailored pension advice, companies can create more flexible transitions for older employees, for example through gradually reduced working hours or individual working time agreements, and thus achieve a balanced age structure.
Long-term personnel planning

The company can plan its personnel requirements efficiently and at an early stage.

How we support you

Our pension consultants will be happy to help you organise your pension planning in the best possible way. They will take into account both the legal requirements and the individual needs of your employees in order to find customised solutions.

Our services in detail:

Checking the insurance requirements (fulfilment of waiting period) for all types of pension
Calculation of equalisation payments to avoid pension deductions
Assessment of pensionable periods completed abroad and support in obtaining the relevant evidence
Extrapolation (forecast) of pension entitlements at various possible times of retirement, based on current and future pensionable periods
Calculation of pension entitlements
Carrying out pension comparison calculations - i.e. analysing (potential) pension entitlements both in Germany and abroad - to identify potential pension gaps in the event of a change of pension insurance system
Determining the best possible retirement date, taking into account the statutory deduction regulations and the insurance law requirements
Support with the enforcement of pension claims
Clarification of the pension insurance account as part of an account clarification procedure
Applying for voluntary pension insurance relationships to build up pension entitlements and so-called waiting periods
Application for all types of pension (e.g. standard old-age pension, pension for long-term or particularly long-term insured persons, reduced earning capacity pension)