Private clients

No matter what stage of life you are in or how high your earnings are, our aim is to provide customers with guidance and advice to make more informed decisions about their financial situation in order to achieve their monetary goals. Hence, we are welcoming all customers who are motivated to optimize their financial affairs, willing to trust into and recognize the value of our services. If you are looking for an honest exchange and a long-term partnership, please do not hesitate to contact us.

We are not bound to business hours or an office. Consultations can take place at your home, a location of your desire or even by phone or Skype.

We are looking forward to meet you!

First meeting

The initial consultation is basically free of charge. As part of this conversation, you should find out if you want to work with us in the future. You have the opportunity to develop a sense of whether we are a suitable contact person for you in all financial matters. Please keep in mind that you should entrust your financial adviser with many personal items so that he has sufficient grounds for his recommendation. Therefore, the financial adviser should be confident and honest.

For us too, the first meeting is very important. We have to find out if the “chemistry” is right and if you value our service sufficiently. As part of our consultancy we take on numerous liability risks and have a great responsibility for our customers. We can only carry these if you are aware of the importance of cooperation.

Risk insurance

Various risks are encountered throughout our lives. The needs for hedging these risks are very different. Taking into account your financial situation and the existing insurance contracts, we analyze your needs and show you your personal options for risk hedging.

Private risks can be roughly divided into three areas:

  1. Biometric risks: cover for loss of work, disability and death
  2. Health risks: protection in case of illness
  3. Composite risks: protection of liability risks, in the event of litigation and property

For the implementation of the chosen hedging strategy we have the products of nearly all product providers operating in Germany at our disposal. With the help of state-of-the-art software solutions and specialized cooperation partners, we are in a position to provide you with the right solution at a fair price.

Retirement planning

Time and again we realize with horror that most people in Germany are in absolute blind flight with regard to their retirement planning. “I’ve finished something there, but I do not know exactly what!”, “Our home and the statutory pension will be enough somehow.” And “We’ll inherit, of course!” Are statements that we often hear.

Unfortunately, if we retire with an estimated 67 years, we can not turn back the clock and make up for any omissions. Therefore, it makes sense from our point of view to get an early overview.

  • What amount do I have to spend on a regular basis from today to meet my pension target?
  • What impact do inflation, return and personal life expectancy have on it?
  • What is the most effective expiration service I can expect from my existing contracts?
  • Which state subsidies are available to me?
  • What happens to planning in case of occupational disability or the death of a family member?

We try to answer these and other questions together with you. We are happy to provide advice on a fee basis. Then you can be sure that we will not sell you a product just to get the highest possible compensation. Should it actually come to a product conclusion by you, we will disclose the commission and charge you with the fee.

Real estate financing

For many people in Germany, the property is still the most popular way to invest in retirement. Should you also have the desire to purchase a property, we will gladly advise you regarding the advantages and disadvantages.

In a personal discussion we analyze together with you, which financing volume suits you and which further points should be considered in the planning.
Once you have decided on a specific property, we are in a position to select the right financing for you from a large number of offers from numerous banks.

We will accompany you from the first conversation to the payment of the last installment and will assist you during this time with words and deeds.
You can also take advantage of our advice when extending your financing (so-called prolongation). As a result, we can often reduce the duration of your financing or lower your monthly rate.

Investments

Very low interest rates, high real estate prices and fluctuating stock markets make investment increasingly difficult.

We think that the perfect form of investment does not exist. Nobody has yet succeeded in squaring the circle, and so every investor has to deal with the tension between security, yield and availability as part of their investment decisions. The secret is to spread your wealth over as many asset classes as possible.

With the help of modern investment fund solutions, this is currently possible cost-effectively in a tax-optimized insurance cover. Taking into account your risk appetite and personal situation, we advise you with the aim of finding the right distribution for your assets. As part of the consultation, we are also willing to act on a fee basis.