Financial planning expats in Germany understand.
Health insurance, taxes, pension, income protection and investing — explained in English, independent of any bank or insurer, and built around your visa and your plans.
Built for internationals working in Germany.
We are an independent advisory platform for expats living and working in Germany — from new arrivals on a Blue Card to long-term residents and returnees. We translate the German system into plain English and build strategies that work across borders, currencies and tax regimes.
Where we support you.
Specialised solutions for new arrivals, established residents and those planning to stay in Germany.
What expats say about us.
„Finally clear answers on GKV vs. PKV — in English, with real numbers.“
„RSUs, US tax and German BU handled in one place. Top!“
„They actually understand academic contracts and international careers.“
„Mortgage as a non-EU buyer? Sorted with a real comparison.“
„Pension, BU and investing — all aligned, all transparent.“
„Planned my move back to Germany 18 months ahead. Highly recommend.“
„Finally clear answers on GKV vs. PKV — in English, with real numbers.“
„RSUs, US tax and German BU handled in one place. Top!“
„They actually understand academic contracts and international careers.“
„Mortgage as a non-EU buyer? Sorted with a real comparison.“
„Pension, BU and investing — all aligned, all transparent.“
„Planned my move back to Germany 18 months ahead. Highly recommend.“
Frequently asked questions.
Public (GKV) or private (PKV) health insurance — which is right for me?+
It depends on your income, age, family situation and how long you plan to stay in Germany. We project the long-term cost of both and explain the switching rules before you decide.
Do I need to file a German tax return as an expat?+
In most cases yes — especially if you have income or assets abroad, stock options or RSUs. We coordinate with international tax advisors and use applicable double taxation treaties.
What happens to my German pension contributions if I leave Germany?+
Depending on your nationality and time in the system, you can claim a refund, leave the contributions to vest, or transfer credits via bilateral agreements. We walk you through your options.
Can I invest in ETFs in Germany if I am not German or EU?+
Yes, but broker and product availability depend on your passport and tax residency. We help non-EU and US persons find compliant brokers and tax-efficient ETF portfolios.
Ready for your financial plan in Germany?
Free first consultation — we get back to you within 24 hours.