Insuring the old age by means of a financial plan is ICFB service as an independent financial counsellor.

If you want to keep and/or improve your old age standards of living: we will provide you with independent counselling, we will also help you draw up a personal financial plan to insure your old age, so that you would not depend only on the government pension.

Competent and expert old age insurance counselling should be performed alongside with drawing up a financial plan, taking into account all investment and pension products, presenting a certain interest. 

If you want to keep and/or improve your old age standards of living, you should not rely on the government pension only. The issue of private pension accruals, which should be considered by everyone, is becoming more and more urgent and important from year to year. Which strategy is correct? You will answer this question with the help of a financial plan, drawn up by an independent financial expert.

Nowadays, there are three kinds of old age pension insurance (Rente) in Germany: government, occupational and private. Private pension includes, for example, various accumulation plans Riester-Rente, Rürup-Rente, Privat-Rente, accumulative life insurance, real estate. 

This issue is considered in more detail in a corresponding section in German.

We provide you with totally independent counselling on pension products, which will suit you most. The objective of our counselling is to enable you to keep your regular lifestyle while on pension, without denying yourself anything.