Free Consultation

Logo der InVertas

Re­ti­re­ment planning for expats
in Germany

Find the perfect pension plan for you

Over 4.000 happy clients.

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
Hammer advice
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.

What you can expect

Save taxes

We’ll show you how the tax office can help you build wealth.

Advice from in­de­pen­dent

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. 

David Reinhard Profilbild

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.

Signature David Reinhard

David Reinhard – Re­ti­re­ment spe­cia­list for Expats

Bild von David Reinhard

David Reinhard – Re­ti­re­ment spe­cia­list for Expats

This is how the con­sul­ta­ti­on works

Kaffee am Arbeitsplatz

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, based on your needs and values.


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. 

Eine Pflanze wächst aus einem größer werdenden Münzenstapel

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.

Teambild der Invertas mit Heidelberg Schloss im Hintergrund

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: