Your Independent Investment Consultant in Berlin
We analyze your financial situation to develop an investment plan tailored to your needs.
01. Diversified Investment Plan
We help you to develop a globally diversified investment plan that suits you and your personal goals.02. Holistic Approach
Book an appointment
02. Holistic Approach
We analyze your financial situation and compare over 100 companies to develop an investment portfolio tailored to your needs and wishes.
Book an appointment
03. Easy cost structure
Book an appointmentWho are we?
At Finanz2go, our dedicated team provides independent pension advisory services tailored to the unique needs of expats living in Germany.
With a commitment to transparency and client-focused solutions, we guide you through every step of your retirement planning journey. Our advisors are not tied to specific products or providers, ensuring you receive unbiased advice that puts your financial well-being first.
Whether planning for the future or reassessing your current strategy, we are here to help you secure the retirement you deserve.
Why you should consider working with us:
Frequently asked questions:
What services does Finanz2Go offer for expats in Germany?
We provide independent investment consulting and pension planning tailored for expats.
Are you truely independent?
We are independent financial 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. Therefore, We are legally obligated to find suitable solutions for your situation and 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 do we get paid?
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.
What does a consultation with us look like?
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.
What does the consultation process like?
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.
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.
Investment Consultant in Berlin: Expert Advice for Expats
If you’re an expat living in Berlin, navigating the German financial system can be complex, especially when it comes to investing.
At Finanz2go, we specialize in helping expats understand the opportunities and challenges of investing in Germany. Our team of experienced investment consultants is here to provide personalized guidance to help you make smart financial decisions while living abroad.
Why Expats in Berlin Need an Investment Consultant
- Complex Tax System
Germany has a unique tax system, which can be daunting for expats. For instance, investment income is subject to a capital gains tax of 26.375%, including a solidarity surcharge. Our expert investment consultants help you understand these regulations and provide strategies to optimize your investments and minimize tax liabilities. - Wide Range of Investment Options
Expats in Germany have access to a variety of investment products, from ETFs (Exchange-Traded Funds) and mutual funds to real estate and pension plans. Our investment consultants work with you to choose the right mix of investments based on your risk tolerance, financial goals, and time horizon. - Retirement Planning for Expats
Expats may find it challenging to plan for retirement in Germany, especially when considering state pensions (like the German public pension system) and private pension plans. As your dedicated investment consultant in Berlin, we help you navigate these options, ensuring that your retirement plan aligns with your long-term financial goals. - Currency and International Investment Considerations
Investing as an expat involves managing currency exchange risks and understanding international investment regulations. Whether you’re transferring funds from your home country or considering foreign investments, our consultants provide expert advice to ensure your investments are both secure and profitable. - Understanding Local Investment Regulations
Germany has strict regulations governing investments, from stock trading to real estate. As an expat, you might be unfamiliar with rules such as the Investment Tax Reform Act (InvStRefG), which affects the taxation of mutual funds. Our investment consultants keep you informed about these legal requirements to protect your assets and maximize returns.
How Finanz2go Helps Expats Invest in Berlin
- Personalized Investment Plans
At Finanz2go, we don’t believe in a one-size-fits-all approach. Our investment consultants in Berlin work closely with you to create a personalized investment strategy that reflects your specific needs as an expat, taking into account your income, financial goals, and long-term plans. - Expert Guidance with No Hidden Fees
We pride ourselves on offering transparent and free investment consulting services. Our goal is to help you grow your wealth without the burden of high fees. Our team is independent, meaning we offer unbiased advice with your best interests in mind. - Specialized Knowledge for Expats
Our consultants understand the unique challenges that expats face when investing in Germany. Whether you’re new to investing or looking to optimize your portfolio, we guide you through every step, ensuring you have the knowledge and tools to make informed decisions.
Start Investing with Confidence
If you’re an expat in Berlin, choosing the right investment consultant can make all the difference in securing your financial future. At Finanz2go, we combine our expertise in the German financial market with a deep understanding of the needs of expats. Let us help you build a strong investment portfolio and achieve your financial goals.