I support shareholder-managing directors and mid-sized companies with their company pension schemes. Balance-sheet-neutral by design, coordinated with your tax advisor.
Companies I advise on occupational pension provision and business protection
Build retirement provision for yourself without the contribution limits of the traditional routes. With an eye on the balance sheet and tax.
A company pension scheme as a tangible extra benefit that helps retain skilled staff and stays workable in day-to-day operations.
I work with the client's tax advisor, not around them. Tax structuring stays in expert hands.
One focus, several building blocks. We work out what fits you from your situation, not from a standard package.
The Unterstützungskasse, a German support-fund pension vehicle, is the route for managing directors who want to build provision beyond the usual contribution limit. Balance-sheet-neutral, with its legal anchor in Section 4d of the German Income Tax Act (§ 4d EStG).
A company pension scheme for employees, set up and communicated properly. With an employer contribution as a clear added benefit.
Health benefits your employees actually notice in everyday life. A lever for retention, especially when skilled staff are scarce.
If an employee is off sick, your company continues to pay their salary for at least six weeks under the German Continued Remuneration Act. This cost risk can be transferred to an insurer.
Whether and to what extent the premiums are tax-deductible depends on the individual case, for shareholder-managing directors in particular on their classification under employment and social insurance law. We clarify this with your tax advisor.
Anyone running a company is liable on several levels: as a corporate officer, as a business, as an owner. These lines cover the key risks.
Which lines make sense depends on your company's industry, size and risk profile.
Private retirement provision as a complement to the statutory and occupational levels. The insurance wrapper offers structural features that a plain securities account does not replicate.
The specific tax treatment depends on the plan and the structure chosen, coordinated with your tax advisor where needed.
For people living in Germany for a limited time: diplomats, embassy staff, posted professionals and their families. Advice in German, English and Russian.
More on the Expat health insurance page, also available in German.
A path in clear steps. You know at every point what we are working on and what comes next.
Whether a pension route fits you depends on factors such as the age of your GmbH and your tenure as managing director. We clarify these points at the start, not at the end.
Your starting point, goals and open questions. Free of charge and without obligation.
I check which route fits your situation both technically and from a tax perspective.
I align the tax structuring with your tax advisor.
Set-up, documentation and communication within the company.
Adjustments when your company, the legal framework or your goals change.
Company pension provision and tax are closely intertwined. That is why I work with the client's tax advisor and provide the documents they need for their own assessment.
For tax advisors who want to think this topic through for their clients, I provide technical documentation and a joint assessment.
Mikhail Iankovski, M.Sc. in Management (ESMT Berlin). Before moving into pension advice: finance and controlling at Mercedes-Benz and sales at a Berlin technology company.
That background shapes my work to this day: I look at company pension provision from the perspective of the balance sheet and long-term planning, not as a single contract to be signed. Consultations take place in Berlin at Gendarmenmarkt, or online if you prefer. Conversations in German, Russian and English.
Working as a tied insurance agent pursuant to Section 34d (7) of the German Trade Regulation Act (GewO), partner of ERGO Beratung und Vertrieb AG.
In the background: Berlin, Gendarmenmarkt · where consultations take place
Clear explanations of company pension schemes and the Unterstützungskasse. No jargon, no sales pressure.
Balance-sheet-neutral provision beyond the statutory contribution assessment ceiling. How the route works and who it fits.
Why a company pension scheme is more than a box-ticking exercise for German SMEs.
The two pension routes compared. When each one makes sense.
Questions about provision or protection?
Book an initial consultationBriefly describe your starting point. I will get back to you with suggested appointment times, in person in Berlin or online.
The content on this page is general information and not a substitute for individual advice. Tax structuring is coordinated with the client's tax advisor.