We are in­de­pen­dent con­sul­tants, as we do not work for any product provider like an insurance or a bank, so we do not have to sell any products. We are re­gis­tered with the Chamber of Commerce and Industry as an in­de­pen­dent financial broker. This means that we are “fiduciary trustees” of our clients. We are therefore legally obligated to find suitable solutions for your situation and your needs. In doing so, we draw on virtually the entire in­vest­ment, finance and insurance market. For us, this means true independence.

Yes you can. In Germany there are huge tax ad­van­ta­ges and in­cen­ti­ves for long term investing. Depending on what fits your in­di­vi­du­al situation we choose a framework that makes the most sense for you. In­vest­ment plans that you can deduct from your tax espe­ci­al­ly are in­te­res­t­ing for high earners and free­lan­cers due to their high tax burden.

The German tax system is pro­gres­si­ve, meaning that the more you make, the higher is your marginal tax rate. For­t­u­na­te­ly, you can use this to your advantage by taking advantage of de­duc­tions to lower your tax burden, for example by investing in a Base pension. You get a tax refund of up to 42% of your con­tri­bu­ti­on (income <60k). Change your mindset from com­plai­ning about taxes to using the German tax system, and you will fi­nan­ci­al­ly benefit.

Good pension plans have costs of about 1% of capital annually, which includes the cost of insurance, funds, and the advisor. We get paid by the insurance when you decide to do the plan. The con­di­ti­ons you get with us are exactly the same you get with the insurance directly, so you have no financial di­s­ad­van­ta­ge by doing the plan with us, but of course the huge advantage is that we as in­de­pen­dent brokers can scan the whole market, so you get the best available option.

We look at your in­di­vi­du­al situation and explain the available options to you. We also show you detailed numbers for the option you want to explore. Not only that, but we are there for you th­roug­hout the whole process, as you can tell from the out­stan­ding reviews and re­com­men­da­ti­ons from our clients.

In the first meeting we get to know each other and look at your current situation. A very important part in this is also ex­plai­ning the German system and answering any questions that you might have.
We focus on what is important for you in order to present you with a solution that in­di­vi­du­al­ly fits you. We give you clear advice on what makes the most sense for you in the second meeting.
When you decide to go with us we set up the in­vest­ment and we are ready to go. Don’t worry: We handle all the paperwork for you. From that point on we con­stant­ly monitor your in­vest­ment and are there for any questions that you have. We are there for you.

The solutions in our con­sul­ting are struc­tu­red in a way that you are flexible should you choose to leave Germany during your working life, and you can get your pension anywhere in the world.

Investing in funds is the best way to take care of your re­ti­re­ment, as it offers higher returns than other in­vest­ments with less money needed to reach the same goal. Over the long term, funds offer more security and stability for re­ti­re­ment planning.