Financial advisory
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Financial Advisory
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.
wealth management
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Wealth Management
1. What is the minimum investment amount for your wealth management service?
Our wealth management service starts at €100,000. This allows us to create a globally diversified, tax-efficient portfolio tailored to your financial goals and risk profile.
2. How is Finanz2go different from a bank advisor?
We are completely independent and fee-based, meaning we are not tied to any bank or financial institution. Unlike traditional bank advisors, we focus solely on your interests — with no hidden commissions or product sales.
3. Can I access and monitor my portfolio at any time?
Yes. You’ll have 24/7 online access to your portfolio through our digital platform, where you can track performance, allocation, and key metrics in real time.
4. How often do you review and adjust my portfolio?
We monitor your portfolio continuously and conduct in-depth reviews at least once every 6 month — or more frequently if market conditions or your personal situation change.
5. Is your wealth management service suitable for expats?
Absolutely. We specialize in helping expats living in Germany manage their wealth efficiently, taking into account local tax laws, international assets, and long-term financial goals.
pension plan
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Pension Plan
1. What pension options do I have in Germany as an expat or self-employed person?
In Germany, you can combine different pillars of retirement planning: the statutory pension (Gesetzliche Rentenversicherung), private pension plans (Rürup, Riester), and investment-based solutions. We help you choose the right mix based on your status, goals, and tax situation.
2. Is it worth starting a private pension plan in Germany?
Yes — especially as the public pension alone is often not enough to maintain your standard of living. Private and investment-based pension plans can close the pension gap and offer tax advantages when structured correctly.
3. Can I transfer or include international pensions in my plan?
Depending on your country of origin and residency status, it’s sometimes possible to coordinate or transfer pension entitlements. We review your existing pension structures and help you integrate them into your overall strategy.
4. How flexible are the pension plans you recommend?
We focus on flexible, transparent solutions — especially important for expats or self-employed professionals. Many of our recommended plans allow adjustments, pauses, or early withdrawals under specific conditions.
5. When should I start planning for retirement in Germany?
The best time is now. The earlier you start, the more impact compound interest and tax benefits can have. Even starting in your 30s or 40s can significantly improve your financial security in retirement.