financial advisor in Germany
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!
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.
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!
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:
The perfect pension plan
The perfect pension plan, that is a great name, right? Here is how it works: This system not only allows…
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42% Tax-refund with the Rürup-pension – How to save taxes with private pension plans in Germany
When you make over 60k a year, the Rürup-pension plan (also called Base pension) is very interesting for you, because…
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Why is planning for your retirement in Germany so important, especially for Expats
After reading this blog, you will have a better understanding about how the German pension system works, why you need…
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