Services

Independent Financial Consulting Services for Expats in Germany

Finanz2Go Consulting helps expats and international professionals living in Germany take control of their financial future. Our independent, English-speaking financial advisors combine data-driven analysis, transparent pricing, and personalized strategy to help you achieve your financial goals — wherever you are in life.

Unlike traditional banks or brokers, we don’t sell products. We deliver fee-based, independent financial consulting built around your needs, not commissions. Whether you want to invest efficiently, plan your retirement, or protect your family, we guide you every step of the way — fully online and in English.

Our Core Financial Consulting Services

Finanz2Go’s consulting suite covers all essential areas of financial life. Each service can stand alone or integrate into a holistic plan tailored to your situation as an expat in Germany.

• Investment Consulting – Build and manage efficient, tax-optimized investment portfolios.
• Asset Management Germany – Professionally structured and monitored investment portfolios for long-term growth.
• Pension Consulting – Understand and close your pension gap with optimized saving strategies.
• Insurance Consulting – Evaluate your coverage needs for health, liability, and life insurance in Germany.
• Financial Tools & Calculators – Free online calculators to project investments, retirement, and risk tolerance.

All services follow our 5-Step Digital Consulting Process — ensuring transparency, consistency, and measurable results.

Why Expats in Germany Choose Finanz2Go

• 🌍 English-speaking experts: We simplify German financial regulations for internationals.
• 💶 Independent advice: No commissions, no hidden incentives — just honest strategy.
• 📊 Data-driven insights: Our models are built on reliable data from OECD and the European Commission.
• 💡 Digital convenience: Book, meet, and plan entirely online.
• 🛡️ BaFin-regulated framework: We work with Germany’s top financial institutions under strict compliance standards.

We believe every expat deserves access to transparent, high-quality advice — without language barriers or complexity.

Investment Consulting

Our Investment Consulting service helps expats create diversified, tax-optimized investment portfolios aligned with their goals and risk tolerance. Through independent guidance and quantitative modeling, we help you achieve sustainable wealth growth while minimizing unnecessary costs.

We start by understanding your objectives — whether that’s saving for a home, growing wealth for retirement, or funding future education costs. Our digital approach integrates:

• 📈 Asset allocation modeling based on modern portfolio theory.
• 💰 Tax-efficient ETF and mutual fund selection.
• 🕒 Scenario simulations for long-term investment horizons.
• 📉 Risk management tools to balance market exposure.

Each recommendation is backed by transparent cost analysis and comparisons using our Fee Transparency Tool. You’ll always know exactly how your investments are structured, what you’re paying, and what you can expect in returns.

Our Approach to Independent Investing

Finanz2Go does not receive commissions or kickbacks from fund providers. We focus entirely on your net performance — measured after fees and taxes. Our independence allows us to select the best solutions available in Germany’s regulated markets.

We work within the framework set by the Federal Financial Supervisory Authority (BaFin), and follow transparency standards recommended by the International Monetary Fund (IMF) for fair financial disclosure.

Example: Long-Term Wealth Building for an Expat Professional

Emma, a 32-year-old engineer from Canada, relocated to Munich in 2021. She wanted to invest €800 monthly in ETFs but was unsure how German taxes affected returns. Through our investment consulting, we:

• Assessed her risk tolerance using the Portfolio Risk Calculator.
• Recommended a 70/30 global equity-bond ETF allocation.
• Optimized her portfolio for Germany’s Teilfreistellung (partial exemption) rules.
• Implemented a cost-efficient saving plan through a regulated provider.

Emma now tracks her progress through our client dashboard, aligning her portfolio with inflation and salary growth projections from Eurostat.

What Makes Our Investment Consulting Different

• 🏦 Transparent ETF selection and rebalancing policies.
• 📊 Quantitative models based on European market data.
• 🌱 Sustainable investing options available for ESG-minded clients.
• 🧾 Tax optimization tailored to German fiscal laws for expats.
• 💬 Continuous support via your dedicated advisor and annual reviews.

Investment consulting forms the foundation of your financial strategy — and serves as the first building block for professional asset management or long-term pension planning.

Asset Management in Germany

Our Asset Management service offers expats in Germany a professional, data-driven solution to preserve and grow wealth over time. Whether you’re an entrepreneur, manager, or international family, we design globally diversified portfolios tailored to your goals and risk profile.

Finanz2Go’s asset management model combines modern portfolio theory with responsible investing principles. We emphasize transparency, cost efficiency, and measurable performance. Your portfolio is built around a clear investment policy statement, continuously monitored and adjusted to market trends.

• 📊 Global diversification across equity, fixed income, and alternative asset classes.
• 🌱 ESG integration following EU Sustainable Finance Guidelines.
• 💶 Rebalancing strategies aligned with European Central Bank market conditions.
• 📈 Quarterly reporting through our secure digital platform.

All portfolio construction is based on CFA Institute best practices and benchmarked against data from The World Bank to ensure realistic performance assumptions.

Personalized Portfolio Strategies

Each expat investor faces unique challenges — currency risk, relocation uncertainty, and multi-jurisdiction taxation. We address these with flexible investment structures and multi-currency capabilities. Your dedicated advisor works with you to determine:

• Risk-adjusted return targets
• Liquidity preferences
• Tax-optimized ETF and fund selection
• Reinvestment or distribution models

All recommendations follow Germany’s Kapitalanlagegesetzbuch (KAGB) and BaFin standards for investor protection.

Pension Consulting

Germany’s pension system can be complex, especially for internationals balancing different national schemes. Our Pension Consulting service helps you understand, consolidate, and enhance your retirement planning — combining statutory, occupational, and private solutions.

We analyze your current entitlements with Deutsche Rentenversicherung and any foreign pensions you may hold. By identifying your pension gap, we create a customized saving strategy adapted to your age, income, and risk tolerance.

• 🧓 Personalized retirement projections using inflation-adjusted modeling.
• 📈 Comparison of Riester, Rürup, and private pension products for expats.
• 💶 Tax optimization through deductible pension contributions.
• 🌍 Integration with existing foreign pension schemes.

We use our Pension Gap Calculator to visualize your expected income shortfall and simulate how additional savings can close the gap efficiently over time.

Building a Pension Strategy That Works Across Borders

Many expats underestimate how fragmented their retirement savings can become after working in multiple countries. Our consultants ensure your German and international pension rights are coordinated correctly, following EU pension coordination regulations.

We also educate clients on state guarantees, inflation protection, and employer matching programs available in Germany. Our team collaborates with licensed providers but remains fully independent — ensuring recommendations are based on your benefit, not commissions.

To complement your pension strategy, consider integrating regular ETF savings through our ETF Saving Plan Calculator. This helps you combine long-term safety with capital market performance.

Example: Mid-Career Expat Optimizing Retirement Savings

Martin, a 45-year-old software architect from the UK, had accumulated pension rights in three countries. Through Finanz2Go’s pension consulting, we:

• Mapped all current entitlements across EU and non-EU systems.
• Calculated his pension gap under German law.
• Structured a private saving plan to close the shortfall before age 67.

Today, Martin’s projected replacement rate exceeds 80 % of his net income — giving him clarity and security about his future retirement.

Insurance Consulting

Insurance in Germany can feel overwhelming for newcomers — health, liability, disability, life, and property coverage are all part of a complex system. Our Insurance Consulting service brings clarity by helping you understand which policies you really need, how they work, and how to avoid redundant coverage.

We evaluate your existing contracts, identify potential gaps, and compare offers from top German insurers using objective criteria. Our consultants are independent — meaning we don’t earn commissions from any insurer.

• 🏥 Private vs. public health insurance guidance for expats.
• ⚖️ Liability and legal insurance comparison.
• 🧾 Disability and life insurance analysis for income protection.
• 💬 Transparent premium benchmarking and renewal support.

How We Simplify Insurance Decisions

We translate complex policy language into plain English and provide a transparent side-by-side comparison. Each recommendation is aligned with German consumer protection rules and data from the Federal Ministry of Finance.

For additional perspective, we also reference insights from Allianz Global Economic Research and the OECD Insurance Statistics to benchmark product trends and cost structures.

Through clear explanations, transparent pricing, and continuous monitoring, Finanz2Go makes insurance consulting simple and stress-free for expats across Germany.

Financial Planning for Expats in Germany

Relocating to Germany often brings new financial challenges — from taxation to long-term savings and retirement coordination. Our holistic approach combines investment consulting, pension strategy, and risk protection into one coherent plan.

Finanz2Go’s Expat Financial Planning service focuses on three pillars:

• 💶 Wealth Creation: Building efficient, globally diversified portfolios through our Asset Management Germany program.
• 🧓 Retirement Security: Closing pension gaps and integrating international benefits.
• 🛡️ Risk Management: Ensuring your income and family are protected under German law.

We also provide guidance on taxation and social security for cross-border professionals, referencing GermanTaxes Info Portal and EU Taxation and Customs Union resources.

Why Choose Finanz2Go Consulting

Since 2017, Finanz2Go has helped hundreds of internationals in Germany achieve clarity and confidence in their finances. Our consultants are licensed, bilingual, and independent — providing fee-based advice aligned solely with your interests.

• ✅ Transparency: Clear cost structure, no commissions.
• 🌍 Expat expertise: Advisors experienced in relocation, taxation, and global investing.
• 💻 Digital process: 100 % online via our secure video and document portal.
• 📈 Measurable outcomes: Annual performance reviews and ongoing portfolio monitoring.
• 🤝 Personal connection: Dedicated consultant support throughout your financial journey.

We adhere to ethical standards recommended by the European Financial Planning Association (EFPA Europe) and uphold compliance under the BaFin framework.

Frequently Asked Questions

Start Your Financial Journey Today

Ready to make your money work for you in Germany? Book your free introductory consultation and discover how Finanz2Go can help you achieve financial independence as an expat.

Or continue exploring our Financial Hub for Expats and Financial Tools for more insights.