As an in­ter­na­tio­nal pro­fes­sio­nal working here in Germany it is important to un­der­stand the German pension system because it is different from most other countries and not very intuitive. We gladly explain that in our con­sul­ting, to get an idea in advance you can click on the Al­ters­vor­sor­ge page and use the re­ti­re­ment calculator.

The German pension system es­sen­ti­al­ly is a scam, as the money con­tri­bu­ted is not saved for the con­tri­bu­tor, but instead goes directly to current pen­sio­ners. With the declining working po­pu­la­ti­on in Germany, there are not enough people paying in to support current pen­sio­ners, leaving the pension payout to be very low.

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 Perfect Pension Plan is a way to get a stable pension combined with financial fle­xi­bi­li­ty when you retire. It enables you to use the German tax system to your advantage. Done correctly, you have hundreds of thousands of euros in savings just from tax refunds that you can access when you retire.

Read more details in out article about the perfect pension plan.

Re­ti­re­ment planning is essential for expats, since the longer you wait to start planning, the more difficult it will be to save for the future. Planning for re­ti­re­ment should not be put off, as the longer you wait, the more difficult it becomes.

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.