Retirement planning for expats
in Germany
Find the perfect pension plan for you
- Tax refunds up to 48% through tax-optimized pension plans
- Safe and profitable investment through excellent fund selection
- English-speaking and independent consulting specialized for internationals
- Easy and quick process through digital solutions and holistic support
Over 4.000 happy clients.
What you can expect
Save taxes
We’ll show you how the tax office can help you build wealth.
Advice from independent
experts
Excellent consultants who will meet your expectations and wishes exactly.
Easy, digital and paperless
Simple, sustainable advice without beaucracy headache
What do our clients say about our consultation
Retirement planning on the highest level
The topic retirement planning can be overwhelming for expats in German. That is because the German system is complex and there are many different pension plans and providers.
If you feel that way, you are at the point where most of our clients are when we first speak to them. After the consultation with us, our clients have a smile on their lips when they think of their retirement. They now know how the German pension system works and how to use it to their advantage. We help you get clarity!
We are at your side as advisors. We help you pick the right pension plan with smart long term investments. That includes tax optimization as well as scientific based investment strategies. And of course we help you with all steps of the implementation.
Our passion is to help you as an Expat in Germany to have a good feeling and be confident in your financial future. Always honest, open and transparent.
Our passion is to help you as an Expat in Germany to have a good feeling and be confident in your financial future. Always honest, open and transparent.
David Reinhard – Retirement specialist for Expats
David Reinhard – Retirement specialist for Expats
This is how the consultation works
Your finances – tailored to you
We know the challenges you face as an Expat in Germany, but we don’t know you yet. So in our first meeting, we will get to know each other so that we can suggest you the best solutions for your individual situation,
We advice – you decide
Based on the assesment of your situation, we will present you the information and possibilities that are relevant for you. We will go into detail to answer all of your questions and put you in a position where you can decide what is best for you.
We support you all the way
We help you with all the paperwork from the start until it is done, so you don’t have to fight with German formulas on your own. And contrary to what you may have experienced as typical for Germany, we can get in all done online. We will then continue to be your contact person for all questions you might have in the future.
Frequently asked questions
Are you truely independent?
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.
Can I save taxes with my investment?
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.
How can I lower my 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.
How do we get paid?
All cost of the provider, the funds as well as for the advisor are already included in the pension plan. We get paid in government regulated commissions 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.
What happens when I leave Germany?
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.
Made in Heidelberg
We deliberately chose Heidelberg as our location for financial consulting because of the city’s renowned and picturesque charm. From the beginning, it was important to us to combine the time-honored tradition of this city with innovative ideas.
Often the trust in the financial sector is severely shaken and the credibility of financial policy is lacking. For this reason, we have made it our mission to reform the financial landscape in Germany by providing clear, honest and independent advice.
Our goal is to return to individual, attentive and reliable advice so that you can feel valued again. Above all, we want to provide you with new, sustainable bases for decision-making through independent, transparent information.
Learn more
In the consultation with us you will naturally get all the information you need to make a decision. And it will be tailored to your individual situation. If you would like to read more about the the topic retirement planning beforehand, you can do so in our blog articles:
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…
Read more >
- David Reinhard
- June 12, 2023
The perfect pension plan
The perfect pension plan, that is a great name, right? Here is how it works: This system not only allows…
Read more >
- David Reinhard
- June 13, 2023
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…
Read more >
- David Reinhard
- February 6, 2023