Pension plans for entrepreneurs, managing directors, and board members

Responsibility begins with you: as an entrepreneur, managing director, or board member, you bear responsibility—including for yourself. With a customized entrepreneurial pension plan, you can secure your financial independence and create stability.

Company pension scheme

Personal security for decision-makers

Responsibility does not end with the company. They make decisions, take risks and shape the future. Your own protection is often left out of the equation. This is precisely where our company pension plan comes in: customised for entrepreneurs, managing directors and board members. It combines company and private components - strategically planned, fiscally advantageous and legally secure. Pension plan is part of an integrated remuneration and pension system that is customised to your life situation, company structure and goals. Complex requirements such as international careers, company succession or balance sheet optimisation are also taken into account. The result is a solution that not only protects you, but also expands your freedom of action. Our goal: a pension plan that suits your life, your company and your goals.

Facts & figures - Why an individual company pension plan is important

0 % of employers underestimate their pension gap
~ 0 % of managing directors have no documented retirement plan.
0 % of small and medium-sized enterprises will face a generational change by 2030.
0 % of M&A deals fail due to unclear pension commitments

With foresight, expertise and an understanding of corporate responsibility, we accompany you on the way to a well thought-out, future-proof pension solution.

How we support you with your company pension plan

Personalised pension planning

Every biography is different - which is why we start with a detailed analysis of your existing pension plan. We put together all the building blocks from occupational and private pension plan, link them together if necessary to create an integrated remuneration and pension system and harmonise them with your goals.

 

Transparency across all entitlements

In the course of an entrepreneur's career, a wide range of pension entitlements arise - due to changes, foreign assignments or several company shareholdings. We create a complete overview - clearly documented and presented in an understandable way.

 

Assessment of existing pension commitments

Particularly before a planned generational change or the sale of your company, it is crucial to thoroughly review existing commitments in terms of labor and tax law. We take care of this assessment—including expert opinions—and show you your options for action.

 

Optimization & implementation

Whether you are looking for a one-time investment with capital protection, tax-advantaged benefits through a support fund, or a sustainable pension model, we develop solutions that are right for you. We always keep tax law requirements in mind. Upon request, we can also consult with your tax advisor or lawyer.

Our solution: Customised corporate pension provision with foresight

We offer you comprehensive advice and support in all areas of corporate pension provision:

Secure your future and that of your company.

Analysis of the current status:

We provide you with a clear overview of your current pension situation and identify potential for optimization.

Strategic planning:

Together, we will develop a customized pension strategy that takes your personal and business goals into account.

Implementation and support:

We support you in implementing the planned measures and remain at your side as a competent partner in the long term.

Who we are

ecpension&benefits is Germany's most service-oriented provider of company pension and benefit solutions. With passion, expertise and over 90 years of experience, we develop tailor-made concepts for employers and their teams - comprehensible, effective and future-oriented.

Behind ecpension&benefits are three established specialists: pension solutions group, PS Wertschutz and Ecclesia Vorsorgemanagement - united since 2025 under a common name and as part of the Ecclesia Group. What sets us apart: a holistic range of services, in-depth process expertise, exclusive access to top products and an exceptional quality of advice based on genuine interaction. Our services make the difference - through in-depth expertise, smooth processes and solution-orientated support that really matters. For companies, employees and a secure future.

ecpension&benefits team

More clarity. More security. More independence.

Let's rethink your company pension scheme together - with an eye for the big picture and solutions that really work.

Further pension solutions

From occupational disability provision (bBU) to private pension provision - we provide holistic advice.

Company pension plan (bAV)

Support your employees in securing their future. The occupational pension plan is a useful supplement to the statutory pension, closes pension gaps, and provides financial security for the future.
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Disability insurance (BU)

Protect what really matters: your employees' income. With occupational disability insurance, you can protect your employees in the event of an emergency—if a serious illness or accident makes it impossible for them to work.
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Company health insurance (bKV)

Give your employees access to better medical care with shorter waiting times and expanded services.
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Flexible working time models (working time accounts & partial retirement)

More time for life – thanks to flexible working time models. With working time accounts and partial retirement, you can enable your employees to take early retirement, longer breaks, or a smooth transition into retirement.
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Our benefits for employees beyond occupational pension plan

Responsibility does not end at work. In your private life, too, it is important to make wise decisions—for yourself, your family, and your own future. That is why we not only advise companies, but also employees and private individuals on an individual basis. Whether it's retirement planning, disability insurance, or survivor protection, we develop solutions that really fit. Independent, understandable, and personal.
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Frequently asked questions about company pension plans

In our FAQ, we have summarised the most frequently asked questions on the topic of "Pension plan for entrepreneurs, managing directors and board members" for you. Our experts will also be happy to provide you with personalised advice.

Why is a special pension scheme necessary for entrepreneurs?

As an entrepreneur or managing director, you are not only responsible for others - but also for your own financial future. As many people are not covered by statutory pension insurance, there are often considerable gaps in provision. A strategically planned business pension plan secures your standard of living, family and succession - and strengthens your independence.

What are the building blocks of a holistic company pension scheme?

A company pension scheme combines company and private components to form a well thought-out remuneration and pension system: e.g. executive pensions, provident funds, one-off investments with capital protection, risk cover (occupational disability/death) and international pension entitlements. We analyse your situation and develop an individually tailored strategy.

How is transparency about existing commitments created?

n the course of a career, many pension entitlements arise. We review all existing contracts, pension commitments and shareholdings and document them clearly. This creates clarity - especially in the event of a succession or company sale - and forms the basis for well-founded decisions.

What are the tax advantages?

Depending on the model chosen, considerable tax effects can be achieved - e.g. via provident funds, reinsurance, capital payments or future service models. We work closely with your tax advisor to design the optimum solution.

When is the right time for a review?

A review of existing commitments is essential in the event of:

planned transfers, company sales, family changes or changes in the tax environment. It also makes sense to check your pension structure in the event of new investments or stays abroad.

How are existing international supply claims dealt with?

International careers often lead to uncoordinated pension gaps or multiple pension schemes. We integrate foreign entitlements, check double contributions and develop a consolidated pension strategy - legally clean and transparent.

What are the advantages of a one-off investment with capital protection?

It is ideal for entrepreneurs who want to invest assets securely and flexibly for the future. The capital protection safeguards the assets paid in, while attractive potential returns are retained. Particularly useful for strategic retirement planning or liquidity management.

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In our newsroom you will find many articles that could be of interest to your company or organisation. You can also meet our teams of experts at events or attend our webinars.

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Do you have any questions? Our experts can help.