PRIVATE CLIENTS · BUILDING WEALTH
Tax reliefs, allowances and bonuses: much of it goes unclaimed simply because nobody explains it.
Free first consultation →The problem
Every year millions of people in Germany forgo subsidies they are legally entitled to, because nobody told them or because claiming looks too complicated. Riester allowances, Rürup tax deductions, tax-free workplace pensions: there are plenty of levers that almost nobody uses in full. Over time that costs a great deal.
Our solution
We work systematically through every form of support relevant to your income and circumstances, from the housing savings bonus to the basic pension. We show you exactly what you can claim and guide you through applying for it correctly.
Book an appointment →The hard facts
Up to €540
With the new state-backed pension account the state adds up to €540 a year in basic allowance: 50% on the first €360 and 25% on further contributions up to €1,800.
From 2027
From 1 January 2027 the pension account replaces the Riester pension for new business. Existing Riester contracts are protected and can be continued.
100%
Unlike classic Riester, the rigid contribution guarantee falls away, so investing 100% in equity ETFs becomes possible. That opens up considerably better return prospects.
+€300
child allowance per child per year in the new pension account (from 2027), on top of the basic state allowance.
Worth knowing
Allowances, tax reliefs, the new account: we explain in plain terms what applies to you.
They are not cancelled automatically. Whether switching to the new account makes sense is worth checking individually.
Allowances and tax savings noticeably raise your effective return. Not using them means giving provision away.
An extra allowance of up to €300 a year is available per child, and those starting work under the age of 25 receive a one-off bonus.
WHAT YOU ARE ENTITLED TO
The state supports private provision with allowances and bonuses, and many people simply leave that money on the table. We make sure you collect every subsidy you are entitled to.
up to €540
basic allowance per year.
+€300
child allowance per child per year.
+€200
starter bonus for the under-25s.
Worth knowing
Allowances are only paid if the contract is set up correctly and the minimum own contribution is met, and that is exactly what we check.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
We establish which allowances and tax reliefs you are entitled to and how to get the most out of the rules from 2027. Free of charge, in person, by phone or by video. You decide afterwards whether to go further.
Book an appointment →