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financial advisor in Germany

We strive for a world where everyone can be confident in their financial future. Nice to meet you! 

financial advisor in Germany

We strive for a world where everyone can be confident in their financial future. Nice to meet you!

Opinions of our

Our passion is to give you a pro­fes­sio­nal good feeling. Always honest and trans­pa­rent. Convince yourself with our numerous reviews!

Jeremia ElmlingerJeremia Elmlinger
08:06 17 Oct 23
I have been receiving in­vest­ment advice from David Reinhard for a long time and I am very satisfied. He takes a lot of time to answer my questions, answers them expertly but is easy for me to un­der­stand, and is always easy to reach. I feel very safe and would de­fi­ni­te­ly handle it again through InVertas and Mr. Reinhard.
H. LöwenH. Löwen
13:38 12 Oct 23
very friendly and expert advice on re­ti­re­ment planning issues.Thank you for that.
Samuel PfaffSamuel Pfaff
14:57 11 Oct 23
We sought advice from Mr. Reinhard in the area of ​​re­ti­re­ment planning and are extremely satisfied. Mr. Reinhard took the time to give detailed advice, was always easy to reach if we had any questions and helped us find the best possible solution for our in­di­vi­du­al situation. We par­ti­cu­lar­ly liked his high level of trans­pa­ren­cy, his passion and his ability to explain complex issues in a compact and un­der­stan­da­ble way. We feel very well looked after and can recommend InVertas and espe­ci­al­ly Mr. Reinhard without reservation.
Bryan ThomasBryan Thomas
20:39 09 Oct 23
Really great experience!We ap­proa­ched David to figure out a pension plan and he walked us through the entire thing ex­plai­ning every detail of the confusing pension schemes here in Germany. Had two very pleasant calls where he patiently answered all our questions and helped us choose the right plan.I’d highly recommend working with David!
I would recommend David Reinhard for his knowledge in the field and for having been trans­pa­rent and eager to help and answer all my doubts in a straight forward manner while choosing my private Basis pension scheme in Germany.
Pablo Enrique KraemerPablo Enrique Kraemer
05:50 28 Sep 23
I wanted advice regarding my pension in Germany after being a longtime expat. After my inquire, in no time, an online meeting was set and I got all the in­for­ma­ti­on and advice I requested. David informed me precisely, showing expert knowledge of the German pension and tax system. The 1 hr. meeting went along in a very pro­fes­sio­nals and kind at­mo­sphe­re. I highly recommend David and InVeritas.
Zino BarbieriZino Barbieri
16:50 17 Sep 23
I was advised by David Reinhard and after several dis­cus­sions with different advisors, I decided to entrust my finances to David. He gave me detailed and trans­pa­rent advice and gave me the best feeling in the end. Well then I hope that I don’t end up in old age poverty in 40 years. ;)
Sebastian KnaupSebastian Knaup
16:58 30 Aug 23
Good and friendly ad­vice­Very nice and helpful
Daniel SalmanDaniel Salman
09:33 08 Aug 23
I was advised by David Reinhard. Was a very competent and friendly con­sul­ta­ti­on. I can recommend to everyone
Nina MüllerNina Müller
11:46 02 Aug 23
As a young person, I had no idea about the subject of re­ti­re­ment provision and in­vest­ment. I am very grateful to Mr. Ulpts for taking so much time for me and for ex­plai­ning ever­y­thing in detail right from the start. Now I have a great gut feeling and I am very grateful to InVertas!
13:36 30 Jul 23
Thanks for the extremely competent advice Martin Brinkm­öl­ler! I felt very well looked after, the con­sul­ta­ti­on was very transparent.
Ang1966 QuerdetzAng1966 Querdetz
12:09 31 May 23
We have been with InVertas for a number of years and are ab­so­lut­e­ly satisfied. Very competent and friendly. We feel very well cared for here. We can recommend the company with a clear conscience.Very special thanks to Mr. Dillge and Mr. Bertram.
Nora HollerithNora Hollerith
20:12 14 May 23
I had con­sul­ta­ti­ons with David.He provided us excellent financial advice and knowledge as well as great plans for our re­ti­re­ment investments.
Alexander TumlerAlexander Tumler
14:19 12 May 23
Great advice and super friendly team!☺️
08:18 22 Jan 22
David Reinhard has the patience and knows the details. He gives the time that is needed for the advice and is really good in what he does. He came across as someone who does his best to win the trust and confidence.
Faisal AneesFaisal Anees
19:30 22 Dec 21
It was nice being supported with a pro­fes­sio­nal re­pre­sen­ta­ti­ve – ( David Reinhard ) who advised and gave us the best suited and trans­pa­rent advise. This not only gave us the con­fi­dence but also motivated us to start with our goal.
Kristian NoulletKristian Noullet
13:20 23 Oct 20
My contact person at InVertas was very pro­fes­sio­nal, explained with me­ti­cu­la­te detail my various insurance options and patiently helped me find products fitting my purposes.I espe­ci­al­ly app­re­cia­ted the ex­pl­ana­ti­on of the systems and related costs, as well as their (potential) evolution. I tend to be at ease with numbers, but now I feel like I actually un­der­stand a bit more about the (German) insurance system.I felt that I was being treated in an honest and trans­pa­rent manner (e.g. in regards to where/how they get their cut) and it didn’t feel like I was being talked down to, although some questions certainly may have seemed extremely fundamental.
Redi RodionRedi Rodion
23:51 08 Jun 20
Great input into funds and stack in­vest­ment, pro­fes­sio­nal support yet at the same time un­der­stan­da­ble breakdown, thanks Martin!
Yulong ZhuangYulong Zhuang
10:27 23 Apr 20
Very nice ex­pe­ri­ence, they are patient and supportive.

Holistic 360° analysis

We spe­cia­li­ze in in­de­pen­dent in­vest­ment con­sul­ting for Expats in Germany. That’s why you always get an in­di­vi­du­al concept from us: including all costs, taxes and con­side­ra­ti­on of inflation.

Our promise for your future

By combining values with finances, we work to help you think about your finances with a good gut feeling.

Teambild der Invertas mit Heidelberg Schloss im Hintergrund

Modern con­sul­ting

Through our wide range of software and com­pa­ri­son solutions, we offer the best possible advice – always up to date.


You receive qua­li­ta­ti­ve, precise and timely answers to your questions. We always work freely and independently.


You receive a holistic financial concept tailored to you, so you can be confident in your financial future.

In­vest­ment is our core business

It is not without reason that we have chosen the world-famous, pic­tures­que ancient city of Hei­del­berg as the head­quar­ters for our financial services! The idea of bringing together es­tab­lished tradition with pro­gres­si­ve in­no­va­ti­on has been of great im­portance to us since the beginning.


As financial advisors for Expats in Germany, we have made it our mission to providing direct, honest and in­de­pen­dent advice. We want to return to personal, attentive and reliable advice, so that you can feel respected and app­re­cia­ted. But above all, we want to develop new decision-making bases for you through a high degree of transparency.

Most people are not concerned with what they should do in the in­vest­ment sector. Whether real estate & real estate financing, whether shares and in­vest­ment funds or ETF’s, whether insu­ran­ces, or old age provision – when it comes to investing capital, we Germans are quickly over­loa­ded. It is just a versatile and dry topic. Many people decide on an in­vest­ment strategy without knowing the exact costs and benefits and usually do not un­der­stand it.


We will show you your cost and benefit struc­tures and compare them with market-leading al­ter­na­ti­ves during a no-ob­li­ga­ti­on con­sul­ta­ti­on. We make fund com­pa­ri­sons and show you how you can invest your money pro­fi­ta­b­ly. After our con­sul­ta­ti­on, you will be aware of the in­vest­ment you have taken out and how equity funds, pension plans or insurance policies are es­sen­ti­al­ly struc­tu­red. But most of all you will be aware of the fact that you will be fi­nan­ci­al­ly terrific af­ter­wards and will be ex­cel­lent­ly looked after by us!

We unite your values with your finances!

Every person is in­di­vi­du­al and has their own value system due to their own life ex­pe­ri­en­ces. Also in the topic of finances, every person sets different prio­ri­ties. Whether security or profit, whether fle­xi­bi­li­ty or tax savings or whether com­mis­si­on or fee – you set your own prio­ri­ties within your investment.

However, our values and company phi­lo­so­phy also flow into your con­sul­ta­ti­on! Because our con­sul­ta­ti­ons do not aim at a quick product sale, but at an authentic and excellent advice. Get to know our values:

But our values and company phi­lo­so­phy also flow into your con­sul­ta­ti­on! Because our dis­cus­sions do not aim at a short-term product sale, but at a sincere and excellent con­sul­ta­ti­on. Get to know our values as financial advisors in Germany:

Trust & Authenticity:

We attach par­ti­cu­lar im­portance to re­spectful, direct and co­ope­ra­ti­ve dealings with our customers as well as with our employees.

Re­spon­si­bi­li­ty & Social Commitment:

We un­der­stand re­spon­si­ble advice to mean achieving ap­pro­pria­te profits to secure our customers‘ working lives and re­ti­re­ment.
However, we also un­der­stand corporate re­spon­si­bi­li­ty as giving something back from our success out of con­vic­tion.
In this way, we want to make an active and positive dif­fe­rence not only to the times we live in today, but also to the times to come. Because we care about a social ob­li­ga­ti­on – both for our customers & employees and for society.

Ex­cel­lence & Expertise:

Thanks to our many years of ex­pe­ri­ence and proven expertise, we can offer our clients first-class ap­proa­ches. At the core of our advice is a tailor-made and, above all, trans­pa­rent concept developed together with the client.
We are not satisfied with the average, but strive for per­fec­tion­ism, both in our financial advice, as well as in the support and in­ter­ac­tion with each other.


We are eager to get to know you and your values & focus!

Insurance broker

As in­de­pen­dent insurance brokers we have access to the entire German insurance market. We have spe­cia­li­zed in scanning the entire market in order to find the best options for our clients. On top of that, you get the exact same con­di­ti­ons with us as you would at the insurance directly, so you have no financial di­s­ad­van­ta­ge working with us as your brokers, but of course the huge advantage, thet you get the best available solution for you individually.

Financial service provider

It can prove to be a great challenge to discover an in­de­pen­dent financial con­sul­tancy in Germany, as many like to adorn them­sel­ves with the title of in­de­pen­dence, but un­fort­u­na­te­ly they often are not really.
Expertise, au­then­ti­ci­ty and trans­pa­ren­cy are at the heart of our advice. The de­ve­lo­p­ment of clear cost com­pa­ri­sons, the deduction of sensitive financial topics and the ac­com­p­animent into the con­clu­si­on of a contract are self-evident for us.
So if you are wondering:

Where can I find english speaking, in­de­pen­dent financial advice in Germany?

Should you realize after our con­sul­ta­ti­on that InVertas is your trust­wor­t­hy partner. You should listen to your gut feeling – but give us the benefit of the doubt and get to know us!
We want even un­at­trac­ti­ve, dry and com­pli­ca­ted financial topics to be explained in a way that puts you in a good position. That you have 100% con­fi­dence in our in­de­pen­dent financial services, the InVertas team and in your financial plan.

Whether financing, liquidity and deposit analyses, hedging or in­de­pen­dent financial services in general – we are there for you as a contact person in Germany and both in person, as well as by video or telephone at any time.

Arrange a non-binding ap­point­ment and get to know us and our free initial con­sul­ta­ti­on for Expats in Germany! You will be surprised how in­te­res­t­ing finance can be!

In­vest­ments for your future

We strive for a world in which everyone can build on their financial future. Safe in­vest­ments and in­de­pen­dent com­pa­ri­sons in re­ti­re­ment planning, real estate or insurance are a relevant element for this.

By linking values with finances, we work to ensure that you can think about your finances with a good gut feeling. According to the motto: „Learn from the past, ex­pe­ri­ence the present, in order to form a new standard in the future“- we want to realize an in­no­va­ti­ve con­sul­ting and sus­tainable support with you, which will satisfy you!


We are looking for the most pro­fi­ta­ble in­vest­ment op­por­tu­ni­ties for your children, for your own private pension or for your life partner. We recommend the creation of a family concept in order to take into account all your wishes and goals.


We design in­de­pen­dent com­pa­ri­sons, use certified pension cal­cu­la­tors and analyze tax savings, al­lo­wan­ces and costs of tariffs and insurances.


Classic questions such as „Is a company pension wort­hwhile for me?“, „How do I invest my money in shares or ETF’s?“ or „How sus­tainable is my in­vest­ment?“ we clarify in detail together with you.

Short-term, medium-term and long-term in­vest­ments, the purchase of real estate or real estate financing are extremely com­pli­ca­ted in Germany. We support you to un­der­stand your in­vest­ments and to invest them safely!

Fre­quent­ly asked questions

Here you will find the answers to questions that we are asked very frequently.

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.

Take care of your finances today

We help you to clarify the complex facts and show you your in­vest­ment options. Get to know us in a free initial consultation!

Our Finance Blog

Dive deeper into the topic of re­ti­re­ment planning in Germany by reading our blog. Here are some of our most popular articles: