{"id":39752,"date":"2025-09-18T09:18:02","date_gmt":"2025-09-18T07:18:02","guid":{"rendered":"https:\/\/www.xempus.com\/pub?p=39752"},"modified":"2025-11-04T10:09:28","modified_gmt":"2025-11-04T09:09:28","slug":"warum-bav-mehr-ist-als-ein-benefit","status":"publish","type":"post","link":"https:\/\/staging.xempus.com\/backup\/beitrag\/warum-bav-mehr-ist-als-ein-benefit","title":{"rendered":"Success Story: Warum bAV mehr ist als ein Benefit"},"content":{"rendered":"<?xml encoding=\"utf-8\" ?><p class=\"wp-block-paragraph\"><\/p><p class=\"wp-block-paragraph\">Vermittlerinnen und Vermittler sind der Schl&uuml;ssel, wenn es darum geht, Arbeitgeber und Arbeitnehmende rund um das Thema betriebliche Altersversorgung (bAV) zu beraten und zu begleiten &ndash; denn es geht nicht nur um einen reinen Benefit. Was das genau bedeutet, dar&uuml;ber sprachen wir mit Rainer Sch&ouml;necker, Gesch&auml;ftsf&uuml;hrer und Experte f&uuml;r betriebliche Altersvorsorge bei der <a href=\"https:\/\/vfm-makler.de\/steinschoenecker\/\">Stein &amp; Sch&ouml;necker GmbH<\/a>.<\/p><p class=\"wp-block-paragraph\">Der Staat m&ouml;chte die bAV attraktiver machen &ndash; etwa durch h&ouml;here Freibetr&auml;ge bei Betriebsrenten. Doch in der Beratungspraxis zeigt sich ein anderes Bild: Die bAV verliert in vielen Unternehmen zunehmend an Priorit&auml;t. Statt langfristiger Vorsorge setzen Arbeitgeber oft auf Benefits mit sofort sp&uuml;rbarem Mehrwert. Besonders bei j&uuml;ngeren Mitarbeitenden fehlt h&auml;ufig das Bewusstsein f&uuml;r die Notwendigkeit, fr&uuml;hzeitig vorzusorgen.<\/p><p class=\"wp-block-paragraph\"><em>&bdquo;<\/em>Transparente Beratung, durchschaubare Vertr&auml;ge und verst&auml;ndliche Informationen sind der Schl&uuml;ssel zum Erfolg,&rdquo; meint der Experte f&uuml;r betriebliche Altersversorgung. <\/p><div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><style>.kb-row-layout-id39752_28cf51-36 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id39752_28cf51-36 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id39752_28cf51-36 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}.kb-row-layout-id39752_28cf51-36 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id39752_28cf51-36 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr);}}@media all and (max-width: 767px){.kb-row-layout-id39752_28cf51-36 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id39752_28cf51-36 alignnone dl-singlewidth wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-right-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column39752_8b6036-df > .kt-inside-inner-col{padding-right:0px;padding-left:0px;}.kadence-column39752_8b6036-df > .kt-inside-inner-col,.kadence-column39752_8b6036-df > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column39752_8b6036-df > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column39752_8b6036-df > .kt-inside-inner-col{flex-direction:column;}.kadence-column39752_8b6036-df > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column39752_8b6036-df > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column39752_8b6036-df{position:relative;}.kadence-column39752_8b6036-df, .kt-inside-inner-col > .kadence-column39752_8b6036-df:not(.specificity){margin-right:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column39752_8b6036-df > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column39752_8b6036-df > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column39752_8b6036-df\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image  .custom-image-margin {     margin-right: 5px; \/* Setzt den rechten Abstand des Bildes auf 5px *\/ }\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"2048\" src=\"https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/08\/Rainer-Schoenecker-edited-scaled.jpg\" alt=\"\" class=\"wp-image-39963\" srcset=\"https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/08\/Rainer-Schoenecker-edited-scaled.jpg 2048w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/08\/Rainer-Schoenecker-edited-400x400.jpg 400w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/08\/Rainer-Schoenecker-edited-800x800.jpg 800w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/08\/Rainer-Schoenecker-edited-300x300.jpg 300w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/08\/Rainer-Schoenecker-edited-768x768.jpg 768w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/08\/Rainer-Schoenecker-edited-96x96.jpg 96w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/08\/Rainer-Schoenecker-edited-100x100.jpg 100w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/08\/Rainer-Schoenecker-edited-1536x1536.jpg 1536w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\"><\/figure>\n<\/div><\/div><\/div>\n\n\n<style>.kadence-column39752_d4d596-30 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;}.kadence-column39752_d4d596-30 > .kt-inside-inner-col,.kadence-column39752_d4d596-30 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column39752_d4d596-30 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column39752_d4d596-30 > .kt-inside-inner-col{flex-direction:column;}.kadence-column39752_d4d596-30 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column39752_d4d596-30 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column39752_d4d596-30{position:relative;}.kadence-column39752_d4d596-30, .kt-inside-inner-col > .kadence-column39752_d4d596-30:not(.specificity){margin-right:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column39752_d4d596-30 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column39752_d4d596-30 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column39752_d4d596-30\"><div class=\"kt-inside-inner-col\">\n<blockquote class=\"wp-block-quote has-color-four-color has-text-color has-link-color wp-elements-a7c4ab8f85a0779e171337c92d24d160 is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-color-five-color has-text-color has-link-color wp-elements-5e53f7404d3409b6fb57a4353ad1ed4b wp-block-paragraph\" id=\"block-423e640c-64eb-4b9a-b5f3-a7726fa5e450\"><em><em><em><em>&bdquo;Experten streiten dar&uuml;ber, ob die betriebliche Altersversorgung &uuml;berhaupt als Benefit gesehen werden kann. Das l&auml;sst sich meiner Meinung nach nicht gleichstellen mit einem Jobrad oder einer Firmenkreditkarte, denn das sind austauschbare Benefits. Die betriebliche Altersversorgung ist zukunftsgerichtet und etwas Bleibendes.&rdquo;<\/em><\/em><\/em><\/em><\/p>\n<cite><em>Rainer Sch&ouml;necker, Experte f&uuml;r die bAV und Gesch&auml;ftsf&uuml;hrer der Stein &amp; Sch&ouml;necker GmbH<\/em><\/cite><\/blockquote>\n<\/div><\/div>\n\n<\/div><\/div><div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><h4 class=\"wp-block-heading\"><strong><strong>25 Jahre Tagesgesch&auml;ft &ndash; einfach und digital<\/strong><\/strong><\/h4><div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><p class=\"wp-block-paragraph\"><\/p><p class=\"wp-block-paragraph\">Seit &uuml;ber 25 Jahren ist Rainer Sch&ouml;necker im Versicherungsvertrieb t&auml;tig. Der Schwerpunkt der Stein &amp; Sch&ouml;necker GmbH liegt bei betrieblichen Versorgungssystemen f&uuml;r meist mittelst&auml;ndische Unternehmen mit bis zu 400 Besch&auml;ftigten. &bdquo;Nahezu 99 Prozent unserer Mitarbeiterberatungen laufen online ab,&rdquo; so Sch&ouml;necker. &ldquo;Das erm&ouml;glicht eine enorme Flexibilit&auml;t &ndash; und wir k&ouml;nnen die Beratung optimal in den Arbeitsalltag integrieren.&rdquo;<\/p><div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><p class=\"wp-block-paragraph\">Seit 2019 arbeitet das Unternehmen mit dem XEMPUS advisor und erz&auml;hlt, wie einfach der Start war. Einfach registrieren und loslegen.<\/p><p class=\"wp-block-paragraph\"><em>&bdquo;<\/em>Die Einf&uuml;hrung war unkompliziert,&rdquo; berichtet er. &ldquo;Es war umst&auml;ndlicher, unser Mindset zu &auml;ndern: weg von unserer alten Beratungsform &ndash; und hin zu digitalen Prozessen. Da hilft nur eines: herantrauen, sich mit erfahrenen Kolleginnen und Kollegen austauschen und einfach ausprobieren,&rdquo; erinnert sich Rainer Sch&ouml;necker an die Umstellung.<\/p><p class=\"wp-block-paragraph\"><\/p><blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-color-five-color has-text-color has-link-color wp-elements-b29e5b76bcf2087265a71171dd36472e wp-block-paragraph\" id=\"block-423e640c-64eb-4b9a-b5f3-a7726fa5e450\"><em><em>&bdquo;<\/em>Da unsere Beratungen fast ausschlie&szlig;lich online stattfinden, haben wir mit dem XEMPUS advisor ein Werkzeug f&uuml;r uns entdeckt, was unseren Anforderungen vollst&auml;ndig entspricht.&rdquo;<\/em><\/p>\n<cite><em><em>Rainer Sch&ouml;necker, Experte f&uuml;r die bAV und Gesch&auml;ftsf&uuml;hrer der Stein &amp; Sch&ouml;necker GmbH<\/em><\/em><\/cite><\/blockquote><div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><h4 class=\"wp-block-heading\"><strong>Eine Umstellung mit messbaren Ergebnissen<\/strong><\/h4><div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><style>.kb-row-layout-id39752_b93d0d-6e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id39752_b93d0d-6e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id39752_b93d0d-6e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-lg, 4rem);row-gap:var(--global-kb-gap-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(55% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)))minmax(0, calc(45% - ((var(--global-kb-gap-lg, 4rem) * 1 )\/2)));}.kb-row-layout-id39752_b93d0d-6e > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id39752_b93d0d-6e > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id39752_b93d0d-6e > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id39752_b93d0d-6e alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column39752_b2ac07-52 > .kt-inside-inner-col,.kadence-column39752_b2ac07-52 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column39752_b2ac07-52 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column39752_b2ac07-52 > .kt-inside-inner-col{flex-direction:column;}.kadence-column39752_b2ac07-52 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column39752_b2ac07-52 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column39752_b2ac07-52{position:relative;}@media all and (max-width: 1024px){.kadence-column39752_b2ac07-52 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column39752_b2ac07-52 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column39752_b2ac07-52\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">Vor Einf&uuml;hrung des XEMPUS advisor wurden vor jeder Beratung bis zu drei individuelle Angebote in Excel-Tabellen durchgerechnet &ndash; ein Prozess, der nicht nur fehleranf&auml;llig, sondern auch mit viel Aufwand verbunden war. Auch wenn die Beratung der einzelnen Mitarbeitenden schnell vonstattenging, war es ein zeitintensiver Gesamtprozess.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ein Prozess, der heute von der Vorbereitung bis zum Abschluss der Beratung circa eine Stunde in Anspruch nimmt. Das Unternehmen nutzt in den Beratungen die gesamte Strecke im XEMPUS advisor.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column39752_5719ea-18 > .kt-inside-inner-col{display:flex;}.kadence-column39752_5719ea-18 > .kt-inside-inner-col{border-top:2px solid #35a4d9;border-right:2px solid #35a4d9;border-bottom:2px solid #35a4d9;border-left:2px solid #35a4d9;}.kadence-column39752_5719ea-18 > .kt-inside-inner-col,.kadence-column39752_5719ea-18 > .kt-inside-inner-col:before{border-top-left-radius:45px;border-top-right-radius:45px;border-bottom-right-radius:45px;border-bottom-left-radius:45px;}.kadence-column39752_5719ea-18 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-none, 0rem );column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column39752_5719ea-18 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column39752_5719ea-18 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column39752_5719ea-18{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column39752_5719ea-18{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column39752_5719ea-18 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column39752_5719ea-18 > .kt-inside-inner-col{background-color:#35a4d9;}.kadence-column39752_5719ea-18 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column39752_5719ea-18{text-align:left;}.kadence-column39752_5719ea-18{position:relative;}@media all and (max-width: 1024px){.kadence-column39752_5719ea-18 > .kt-inside-inner-col{border-top:2px solid #35a4d9;border-right:2px solid #35a4d9;border-bottom:2px solid #35a4d9;border-left:2px solid #35a4d9;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column39752_5719ea-18{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column39752_5719ea-18{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column39752_5719ea-18 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column39752_5719ea-18 > .kt-inside-inner-col{border-top:2px solid #35a4d9;border-right:2px solid #35a4d9;border-bottom:2px solid #35a4d9;border-left:2px solid #35a4d9;flex-direction:column;justify-content:center;}.kt-row-column-wrap > .kadence-column39752_5719ea-18{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column39752_5719ea-18{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column39752_5719ea-18 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column39752_5719ea-18\"><div class=\"kt-inside-inner-col\">\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.kadence-column39752_6a9b06-cc > .kt-inside-inner-col,.kadence-column39752_6a9b06-cc > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column39752_6a9b06-cc > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column39752_6a9b06-cc > .kt-inside-inner-col{flex-direction:column;}.kadence-column39752_6a9b06-cc > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column39752_6a9b06-cc > .kt-inside-inner-col{background-color:#35a4d9;}.kadence-column39752_6a9b06-cc > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column39752_6a9b06-cc{position:relative;}@media all and (max-width: 1024px){.kadence-column39752_6a9b06-cc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column39752_6a9b06-cc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column39752_6a9b06-cc\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\"><style>.kt-svg-icons39752_a221ee-8d .kt-svg-item-0 .kb-svg-icon-wrap{color:var(--global-palette4, #2D3748);font-size:50px;}.wp-block-kadence-icon.kt-svg-icons39752_a221ee-8d{justify-content:center;}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons39752_a221ee-8d alignnone\"><style>.kt-svg-item-39752_f2b212-1c .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-39752_f2b212-1c .kb-svg-icon-wrap{color:#ffffff;font-size:40px;margin-right:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-sm, 1.5rem);}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-39752_f2b212-1c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-ic_timer\"><svg viewbox=\"0 0 8 8\" fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M2 0v1h1v.03c-1.7.24-3 1.71-3 3.47 0 1.93 1.57 3.5 3.5 3.5s3.5-1.57 3.5-3.5c0-.45-.1-.87-.25-1.25l-.91.38c.11.29.16.57.16.88 0 1.39-1.11 2.5-2.5 2.5s-2.5-1.11-2.5-2.5 1.11-2.5 2.5-2.5c.3 0 .59.05.88.16l.34-.94c-.23-.08-.47-.12-.72-.16v-.06h1v-1h-3zm5 1.16s-3.65 2.81-3.84 3c-.19.2-.19.49 0 .69.19.2.49.2.69 0 .2-.2 3.16-3.69 3.16-3.69z\"><\/path><\/svg><\/span><\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-left has-color-two-color has-text-color has-link-color has-small-font-size wp-elements-04f5d6e6d1b6c61c586900474df783cf wp-container-content-b04ba3db wp-block-paragraph\">20 Minuten schneller zum fertigen Angebot<br><\/p>\n<\/div>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\"><style>.kt-svg-icons39752_3088c0-bb .kt-svg-item-0 .kb-svg-icon-wrap{color:var(--global-palette4, #2D3748);font-size:50px;}.wp-block-kadence-icon.kt-svg-icons39752_3088c0-bb{justify-content:center;}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons39752_3088c0-bb alignnone\"><style>.kt-svg-item-39752_19a791-13 .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-39752_19a791-13 .kb-svg-icon-wrap{color:#ffffff;font-size:40px;margin-right:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-sm, 1.5rem);}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-39752_19a791-13\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_award\"><svg viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"8\" r=\"7\"><\/circle><polyline points=\"8.21 13.89 7 23 12 20 17 23 15.79 13.88\"><\/polyline><\/svg><\/span><\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-left has-color-two-color has-text-color has-link-color has-normal-font-size wp-elements-4f8dfe9d49a3ded48b15dbc29f45ae2b wp-container-content-b04ba3db wp-block-paragraph\">Mit visuellen Tools die bAV einfach und verst&auml;ndlich erkl&auml;rt<br><\/p>\n<\/div>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\"><style>.kt-svg-icons39752_7927e9-ef .kt-svg-item-0 .kb-svg-icon-wrap{color:var(--global-palette4, #2D3748);font-size:50px;}.wp-block-kadence-icon.kt-svg-icons39752_7927e9-ef{justify-content:center;}<\/style>\n<div class=\"wp-block-kadence-icon kt-svg-icons kt-svg-icons39752_7927e9-ef alignnone\"><style>.kt-svg-item-39752_3e9f4c-1b .kb-svg-icon-wrap, .kt-svg-style-stacked.kt-svg-item-39752_3e9f4c-1b .kb-svg-icon-wrap{color:#ffffff;font-size:40px;margin-right:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-sm, 1.5rem);}<\/style>\n<div class=\"wp-block-kadence-single-icon kt-svg-style-default kt-svg-icon-wrap kt-svg-item-39752_3e9f4c-1b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_money-bill\"><svg viewbox=\"0 0 640 512\" fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M608 64H32C14.33 64 0 78.33 0 96v320c0 17.67 14.33 32 32 32h576c17.67 0 32-14.33 32-32V96c0-17.67-14.33-32-32-32zM48 400v-64c35.35 0 64 28.65 64 64H48zm0-224v-64h64c0 35.35-28.65 64-64 64zm272 176c-44.19 0-80-42.99-80-96 0-53.02 35.82-96 80-96s80 42.98 80 96c0 53.03-35.83 96-80 96zm272 48h-64c0-35.35 28.65-64 64-64v64zm0-224c-35.35 0-64-28.65-64-64h64v64z\"><\/path><\/svg><\/span><\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-left has-color-two-color has-text-color has-link-color has-small-font-size wp-elements-46a821353aae29d16f6f4eed872202f9 wp-container-content-b04ba3db wp-block-paragraph\">H&ouml;here Eigenbetr&auml;ge pro abgeschlossener bAV<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<\/div><\/div><style>.kb-row-layout-id39752_cc289f-ae > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id39752_cc289f-ae > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id39752_cc289f-ae > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id39752_cc289f-ae > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id39752_cc289f-ae > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id39752_cc289f-ae > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id39752_cc289f-ae alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column39752_164636-1a > .kt-inside-inner-col,.kadence-column39752_164636-1a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column39752_164636-1a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column39752_164636-1a > .kt-inside-inner-col{flex-direction:column;}.kadence-column39752_164636-1a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column39752_164636-1a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column39752_164636-1a{position:relative;}@media all and (max-width: 1024px){.kadence-column39752_164636-1a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column39752_164636-1a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column39752_164636-1a\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bevor es um die Beitragsbemessungsgrenze und steuerliche F&ouml;rderungen geht, gibt er den Arbeitnehmerinnen und Arbeitnehmern transparente Informationen mit auf den Weg. <em>&bdquo;<\/em>Es geht darum, die Pr&auml;misse zu setzen; zu veranschaulichen, was eine bAV leisten kann und warum sie so sinnvoll ist. Ich sehe uns Vermittlerinnen und Vermittler in der Verantwortung, diesen sozialen Auftrag zu leisten und den Menschen zu sagen, was Sache ist.&rdquo; Wer gut beraten ist, kann gute Entscheidungen treffen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n<\/div><\/div><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"585\" height=\"329\" src=\"https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/09\/Zusammensetzung-585x329.png\" alt=\"\" class=\"wp-image-40311\" srcset=\"https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/09\/Zusammensetzung-585x329.png 585w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/09\/Zusammensetzung-768x432.png 768w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/09\/Zusammensetzung-171x96.png 171w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/09\/Zusammensetzung-100x56.png 100w, https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/09\/Zusammensetzung.png 1280w\" sizes=\"auto, (max-width: 585px) 100vw, 585px\"><\/figure>\n<\/div><div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-color-five-color has-text-color has-link-color wp-elements-fad091333dde60a5b7c133f4769bb1ac wp-block-paragraph\" id=\"block-423e640c-64eb-4b9a-b5f3-a7726fa5e450\"><em><em>&bdquo;<\/em>Ich sehe es so, dass Berater und Vermittler in unserem Bereich einen sozialen Auftrag haben: die Menschen in Sachen Rente aufzukl&auml;ren und ihnen Wissen an die Hand zu geben. Das k&ouml;nnen Steuerberater oder Rechtsanw&auml;lte nicht leisten. Es geht weniger darum, auf der Stelle etwas zu verkaufen &ndash; es geht um die Aufkl&auml;rung der Notwendigkeit rund um die Altersvorsorge.&rdquo;<\/em><\/p>\n<cite><em><em>Rainer Sch&ouml;necker, Experte f&uuml;r die bAV und Gesch&auml;ftsf&uuml;hrer der Stein &amp; Sch&ouml;necker GmbH<\/em><\/em><\/cite><\/blockquote><div style=\"height:4px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><hr class=\"wp-block-separator has-text-color has-color-four-color has-alpha-channel-opacity has-color-four-background-color has-background\"><p class=\"wp-block-paragraph\"><\/p><h2 class=\"wp-block-heading has-text-align-center has-color-three-color has-text-color has-link-color has-medium-font-size wp-elements-baf90e80c9544cd2fdf68866df02056a\">Unsere L&ouml;sung f&uuml;r die&nbsp;<strong>digitale Vorsorgeberatung<\/strong><\/h2><p class=\"wp-block-paragraph\"><\/p><p class=\"has-text-align-center wp-block-paragraph\">Wussten Sie, dass Sie neben der betrieblichen Altersversorgung im XEMPUS advisor auch die betriebliche Krankenversicherung und betriebliche Arbeitskraftabsicherung transparent und komplett digital beraten k&ouml;nnen? <\/p><p class=\"wp-block-paragraph\"><\/p><div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/staging.xempus.com\/backup\/plattform\/advisor\/\">Mehr erfahren<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Erfahren Sie in der Success Story mit Rainer Sch\u00f6necker, warum die betriebliche Altersversorgung f\u00fcr Arbeitnehmer mehr als ein Benefit ist. Jetzt lesen!<\/p>\n","protected":false},"author":11,"featured_media":40006,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[18,1],"tags":[51],"class_list":["post-39752","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogeintrag","category-unkategorisiert","tag-xempus-advisor"],"taxonomy_info":{"category":[{"value":18,"label":"Blogeintrag"},{"value":1,"label":"Unkategorisiert"}],"post_tag":[{"value":51,"label":"XEMPUS advisor"}]},"featured_image_src_large":["https:\/\/staging.xempus.com\/backup\/wp-content\/uploads\/2025\/08\/iStock-1290492254-1200x800.jpg",760,507,true],"author_info":{"display_name":"Barbara Sch\u00f6n","author_link":"https:\/\/staging.xempus.com\/backup\/beitrag\/author\/barbara-schoen"},"comment_info":"","category_info":[{"term_id":18,"name":"Blogeintrag","slug":"blogeintrag","term_group":0,"term_taxonomy_id":18,"taxonomy":"category","description":"<p><br data-mce-bogus=\"1\"><\/p><div id=\"awebChromeHelper\"><\/div>","parent":0,"count":67,"filter":"raw","cat_ID":18,"category_count":67,"category_description":"<p><br data-mce-bogus=\"1\"><\/p><div id=\"awebChromeHelper\"><\/div>","cat_name":"Blogeintrag","category_nicename":"blogeintrag","category_parent":0},{"term_id":1,"name":"Unkategorisiert","slug":"unkategorisiert","term_group":0,"term_taxonomy_id":1,"taxonomy":"category","description":"","parent":0,"count":47,"filter":"raw","cat_ID":1,"category_count":47,"category_description":"","cat_name":"Unkategorisiert","category_nicename":"unkategorisiert","category_parent":0}],"tag_info":[{"term_id":51,"name":"XEMPUS advisor","slug":"xempus-advisor","term_group":0,"term_taxonomy_id":51,"taxonomy":"post_tag","description":"","parent":0,"count":22,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/staging.xempus.com\/backup\/wp-json\/wp\/v2\/posts\/39752","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.xempus.com\/backup\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.xempus.com\/backup\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.xempus.com\/backup\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.xempus.com\/backup\/wp-json\/wp\/v2\/comments?post=39752"}],"version-history":[{"count":0,"href":"https:\/\/staging.xempus.com\/backup\/wp-json\/wp\/v2\/posts\/39752\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.xempus.com\/backup\/wp-json\/wp\/v2\/media\/40006"}],"wp:attachment":[{"href":"https:\/\/staging.xempus.com\/backup\/wp-json\/wp\/v2\/media?parent=39752"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.xempus.com\/backup\/wp-json\/wp\/v2\/categories?post=39752"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.xempus.com\/backup\/wp-json\/wp\/v2\/tags?post=39752"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}