Private
- Family
- Private retirement provision
- Health
- Wealth
- Protection
Entrepreneurs & provision
The company may be part of wealth.Not the entire financial life.
Shareholding, management, the employer role, and private provision often meet in one person. Retirement, liquidity, risk, employees, and succession touch each other — each remains its own question.
How it works → — Understand first. Then decide.
The interplay
Why entrepreneurial provision is more complex
Entrepreneurial provision sits between private life, the company, and the future. Each field asks its own question; a decision in one can touch several others.
Roles that can meet in one person
- Shareholder
- Managing director
- Employer
- Investor
- Future retiree
Company
- The company
- Liquidity
- Employees
- Financing
- Tax
Future
- Retirement
- Sale
- Succession
- Company value
- Transfer of wealth
Starting point
Which question is in focus?
Choose a question for a short orientation. The fuller reading lives on the specialist platform.
Choose a question. The answer stays deliberately short.
Company value can be part of wealth planning — it is not automatically spendable money. Sale, timing, buyer, tax, and succession often sit in between.
Company value on Unternehmerversorgung360 (opens in a new tab)
The private layer remains when the company no longer pays. Whether it is enough depends on what is already held, what still has to be built, and the life wanted later — no general figure here.
Private provision on Unternehmerversorgung360 (opens in a new tab)
Orders, leadership, and private liquidity can all be affected at once. Retirement provision alone does not answer that — cover, liquidity, and continuity are separate subjects.
Through a GmbH, provision can run differently from a private contract — for managing directors and shareholder-managing directors. What fits depends on ownership, contract, and liquidity.
GmbH provision on Unternehmerversorgung360 (opens in a new tab)
Sale, handover, or a gradual step back ask different questions: who leads, where value goes, what income remains afterwards. The run-up needs more than the year of leaving.
Exit and succession on Unternehmerversorgung360 (opens in a new tab)
A distinction
Company value is not private wealth
A company may have significant value on paper.
That does not mean the same amount is privately available for retirement.
Private
- Household, family, later retirement
- Contracts and assets in a private name
Company
- Value tied up in the business
- A possible price that would still have to become private money
Capital available after a sale or handover is its own figure — not readable from book value alone.
Look at them together
Five areas at a glance
Each area is a slice. Together they form the orientation — the working-out for a given company lives on Unternehmerversorgung360.
01
Private retirement
What to live on when the company no longer pays income?
A statutory pension, private retirement provision, assets, and liquidity outside the company form the private layer beside the business.
- Private retirement provision
- Statutory pension
- Investment assets
- Liquidity
Private retirement on Unternehmerversorgung360 (opens in a new tab)
02
Managing directors and shareholders
What provision can run through the company?
Direktversicherung, Pensionszusage, Unterstützungskasse, and other occupational paths — especially for managing directors and Gesellschafter-Geschäftsführer. What fits depends on legal form, ownership, and liquidity.
- Occupational pension provision
- Direktversicherung
- Pensionszusage
- Shareholder-managing director
Managing-director provision on Unternehmerversorgung360 (opens in a new tab)
03
Risk
What happens if someone is out for months?
Illness, disability, or death ask different questions from retirement. The business, income, and family can all be affected at once.
- Disability
- Risk on the entrepreneur
- Business continuity
- Key person
04
Employees
How can benefits protect and retain people?
Occupational pensions, health benefits, and employer contributions can be part of the employer role — separate from the entrepreneur’s own provision.
- Employee benefits
- Occupational pension provision
- Health benefits
Employee benefits on Unternehmerversorgung360 (opens in a new tab)
05
Succession and exit
What happens when leadership should end?
Sale, transfer, or step-back link company value to private income afterwards. The moment to look at that is usually earlier than the year of leaving.
- Succession
- Sale of the company
- Company value
- Income after exit
Succession and exit on Unternehmerversorgung360 (opens in a new tab)
Specialist platform
A 360° view instead of an isolated product
Unternehmerversorgung360 looks at the entrepreneur, the company, employees, and long-term wealth planning as one picture.
CapitalPath stays the entrance for private orientation. Depth on structures, the business, and where they meet lives there.
The edge of this page
Legal form, ownership, age, income, workforce, liquidity, existing provision, and succession can all change what matters.
CapitalPath provides orientation only — no tax conclusion and no product recommendation.
Topics with room there
- Provision for managing directors
- Shareholder-managing directors
- Occupational pension provision
- Employee benefits
- Risk protection
- Succession and exit
- Liquidity planning
- Where tax and law meet the plan
The list shows breadth — not a table of contents for this page.
Questions
Questions on entrepreneurial provision
Short orientation. Fuller reading on Unternehmerversorgung360.
Is the company the retirement plan?
It can be an important part of wealth planning. That does not make the value spendable — sale, timing, buyer, tax, and succession often sit in between.
Company value on Unternehmerversorgung360 (opens in a new tab)
Is private retirement provision still needed?
The private layer is its own question beside the company: statutory pension, private contracts, and assets outside the firm.
Private retirement on Unternehmerversorgung360 (opens in a new tab)
What is a Direktversicherung?
One form of occupational provision in Germany: the company takes out a contract for a person. Whether it fits depends on contract, company, and provision already in place.
Direktversicherung on Unternehmerversorgung360 (opens in a new tab)
What is a Pensionszusage?
A promise by the company to pay a benefit later — with its own look at liquidity and the people it covers.
Pensionszusage on Unternehmerversorgung360 (opens in a new tab)
What happens when the company is sold?
A sale can release wealth — often at a different level from the figure on paper. Price, buyer, timing, and tax all play a part.
Selling the company on Unternehmerversorgung360 (opens in a new tab)
What happens if someone can no longer work?
If income stops, the business and household can both come under strain. Cover is then its own question beside retirement provision.
Disability for entrepreneurs on Unternehmerversorgung360 (opens in a new tab)
Contact
Put the picture in order — call, message, or book a time
CapitalPath orients the picture: private life and the company connected, yet plannable apart. Structures and depth on Unternehmerversorgung360.