030 555 721 370
anfrage@guhr-steuerberatung.de
Auerstr. 14, 10249 Berlin
Service · Business advisory
Your wealth, structured tax-smart.
You've built something as an entrepreneur – now it's about making that wealth grow and pass on efficiently on the private side too. We structure withdrawals, property and shareholdings in a tax-smart way and prepare the transfer to the next generation. Not investment advice, but the structure in which your capital loses the least tax.
Tax structure, not investment advice- Withdrawal, property & succession joined up
- Allowances & deadlines used
Sound familiar?
Plenty built up – little of it structured.
This is what we hear from business owners and high-net-worth individuals:
You earn well – and hand half of it back.
Whatever you withdraw privately is taxed in full. Without structure, a large share of your success lands with the tax office instead of in your wealth.
Your wealth grows without a plan.
Accounts, property, GmbH shares, insurance – all grown over time, none coordinated. Fiscally, you're leaving money on the table.
Property held privately or through the GmbH?
The wrong wrapper for your property costs considerably over the years – in ongoing taxation, on sale and on inheritance.
Your retirement provision is fiscally untapped.
As an entrepreneur you're often not in the state pension. Without a concept you forgo both security and deductible provision expenses.
Inheritance and succession are unresolved.
Without preparation, the next generation faces the full inheritance tax – even though allowances and relief rules can be used every ten years.
Private and business are thought of separately.
One person optimises the GmbH, another the private tax – no one joins both sides up. And that is exactly where the biggest lever sits.
What we take on for you
Every building block in the right wrapper.
Concretely, we structure for your wealth:
Withdrawal & distribution strategy
We design how you move money from the company into private assets – via salary, distribution, the partial-income method (Teileinkünfteverfahren) or loans – so the overall tax burden falls.
Setting up the wealth structure
We place your wealth in the right wrappers: private assets, operating GmbH, holding company or asset-managing company – depending on yield, holding period and goal.
Holding property the right way
For each property we check whether holding it privately or in a property GmbH with the extended trade-tax deduction (§9 no. 1 GewStG) is cheaper – on an ongoing basis, on sale and on transfer.
Integrating retirement provision fiscally
We integrate provision – such as a basic (Rürup) pension or provision through the GmbH – so that it creates security and uses deductible expenses.
Preparing succession & gifting
We plan transfers around the allowances of §16 ErbStG (e.g. €400,000 per child every ten years) and use the relief for business assets (§13a/§13b ErbStG).
Steering sale & deadlines
We keep tax-free routes in view: the 10-year period on private property (§23 EStG), owner-occupation, and the favourable taxation of share sales through the holding.
What changes for you
From building up to preserving.
With the right structure, several things shift:
More of your success stays with you.
A well-thought-out withdrawal and wealth structure lowers the tax on the way from company to private assets – legally and durably.
Your wealth grows with a system.
Every building block sits in the fiscally correct wrapper. Income is taxed where it costs the least.
Your property is wrapped correctly.
Whether privately or in a company – the structure fits your holding period and saves on ongoing tax, sale and inheritance.
Your retirement provision works for you fiscally.
Provision expense lowers your tax today and secures your standard of living tomorrow – as part of an overall concept.
Succession is prepared, not suppressed.
Allowances and relief rules take effect because you structured early. The next generation inherits wealth, not a tax burden.
Company and private interlock.
Both sides are thought through from one hand. The biggest lever – the interface – is no longer left unused.
A personal note from Karsten Guhr
Many owners optimise their company down to the last detail and let the private side drift. Yet it's often precisely the interface – withdrawal, property, succession – that decides how much of what you've built really belongs to you and your family. And let me be clear: we structure for tax, we don't sell investments.
Head office Berlin · clients from Sylt to Garmisch
Nationwide · 100 % digital
One firm. Available anywhere in Germany.
Whether Berlin, Munich or somewhere in between: we run every mandate fully digital – DATEV-connected, signed PDFs, video meetings. No commuting, no postal delays, no 90s-style bookkeeping.
- 01
DATEV Unternehmen online
Receipts, banking, payroll, reports – you work in the standard interface every German tax advisor speaks. No vendor lock-in.
- 02
Video meetings instead of on-site visits
Quarterly review, tax strategy, holding check – via video with screen sharing. You save half a day every time.
- 03
Signed PDFs & digital powers of attorney
Tax filings, annual accounts, contracts – signed via qualified e-signature. Accepted by the tax office, done in minutes.
How we work
Four steps to a smart structure.
Fully digital, discreet and from one hand:
Stocktake of your wealth
We capture every building block – company, property, shareholdings, provision, liquidity – and understand your goals for withdrawals, retirement and family.
01
Analysis & target picture
We show where wealth sits inefficiently for tax and design the target structure – from the withdrawal strategy to succession.
02
Implementing the structure
We put the building blocks in place: wrappers, distribution routes, transfers and provision – legally sound and aligned with your tax year.
03
Support & adjust
We keep the structure current, use allowances on the ten-year cycle and adapt when the law or your circumstances change.
04
030 555 721 370Frequently asked
What wealthy clients want to know.
Answered honestly and with substance:
From building up to preserving.
Let's structure your wealth tax-smart.
In the intro call we look at your wealth's building blocks and show where structure, withdrawals and succession have the biggest tax impact.