Pension advice for business owners
Secure the future for you and your company
Having a clear pension strategy for your company is as important as the business plan. At Cefund, we help you as a business owner, CEO, or partner build a structured and tax-efficient pension solution for both yourself and your employees.
Many business owners lack a plan for their pension or mix personal savings with company finances, which can lead to high taxation and low security. We offer direct pensions, occupational pensions, and company pensions tailored to your company’s needs and structure.
What does pension for companies mean?
A pension solution for companies is about creating long-term security, taking advantage of tax benefits, and building smart structures for future withdrawals. We help you navigate between options such as direct pensions, occupational pensions for companies, and various forms of capital insurance.
We ensure that you get a solution that works for your limited company or sole proprietorship, whether you’re a solo entrepreneur or running a team.
Our pension solutions for business owners
Direct Pension
Direct pension is a popular solution for those who own the company themselves. You can save in the company without giving up control over the capital. The pension provision doesn't directly affect the results, and you can keep the money in the company until it's time for payout. This solution is particularly suitable for those with stable cash flow in the company, who want flexibility and to set aside funds without losing control over them.
Occupational Pension for Business Owners and Employees
For those who have employees, or want to give themselves a pension benefit, occupational pension in companies is an important part of the total compensation. We help you choose the right solution, find a suitable insurance company, and ensure that pension contributions are made tax-efficiently. We also support you if you want to set up occupational pensions for self-employed individuals - an area many miss despite it providing great security and economic benefits in the long run.
Pension for Those with Their Own Business
Whether you run a small firm or an established company, we ensure that you get advice and structure for a sustainable pension strategy. Pension for self-employed individuals is not standardized - therefore, a tailored approach is required based on how you want to take out your compensation, invest, and secure the future. We go through your options, for example through ongoing contributions, capital insurance, or combined solutions, to create the best possible pension savings in the company.
Why Business Owners Choose Cefund
- Independent advice without ties to banks or insurance companies
- Tax-efficient solutions for both companies and owners
- Flexible structures that can be adjusted over time
- Experience with pension setups for both one-person businesses and growth companies
Our goal is to help you build a pension that benefits you – not just on paper, but in reality.
What's the Difference between Direct Pension and Occupational Pension?
Direct pension is a non-deductible pension provision where the capital is managed in the company until it’s paid out. Occupational pension is deductible and is usually paid directly to an insurance policy.
How Do I Know which Pension Solution Suits My Company?
We conduct a review of your company structure, income level, and future plans and suggest a setup based on your specific conditions.
Can I Combine Different Pension Setups in My Company?
Yes, it’s often a good solution. We help you combine, for example, direct pension with occupational pension or capital insurance to spread risk and optimize tax effects.