FAQ

Find answers to your frequently asked questions here.

What is a financial advisor ?

A financial advisor is a professional who helps you better understand, organise, secure, and grow your finances.

Our role is to help you:

secure your current and future assets,
start saving or investing with confidence,
structure and optimise your existing investments,
prepare for life projects (property, family, retirement).

Whether you are a beginner or already invested, the service is tailored to your situation and goals.

What is the difference between a financial advisor and a tax advisor (Steuerberater) in Germany ?

A financial advisor supports you with insurance, investment, and financial solutions. Their goal to help you:

secure your current and future assets,
start saving or investing,
structure and optimise your existing investments,
prepare for life projects (property, family, retirement).

Financial advisors cannot provide official tax advice, fill your tax declaration or deal with the tax office. However, they may recommend financial solutions that can have tax advantages, depending on your situation.

A tax advisor focuses exclusively on tax matters, including:

Preparing and filing your tax return
Handling complex tax cases
Communication with the German tax office (Finanzamt)

Tax advisors cannot offer financial solutions or recommend specific investments.

Who is your financial advisory service for ?

We mainly work with expatriates living in Germany who want personalised support to reach their financial goals.

Do I need to have substantial assets to use your services ?

No. What matters is the willingness to understand, organise, and grow your finances, even with small amounts.

What does a financial advisor offer compared to a bank ?

Unlike a bank, our role is to:

provide a comprehensive and independent view,
offer solutions tailored to your goals,
provide long-term guidance with clarity and transparency.

You remain the decision-maker at all times.

What happens during the first call ?

The first call is designed to:

understand your current needs and situation,
identify your objectives and priorities,
answer your initial questions,
determine whether we are the right person to support you.

The call takes approximately 15 minutes and is completely free, with no commitment required.

Do you offer a personalised financial assessment ?

Yes. The assessment helps to:

get a clear overview of your savings, investments, and expenses,
identify areas for improvement,
define a strategy adapted to your profile and timeline.

Do you work with people who have already invested ?

Absolutely. We also work with people who want to:

check if their investments are optimised,
diversify their portfolio,
take their strategy further.

Are investments risky ?

Yes, all investments carry some level of risk.
We help you to:

understand the risks,
adapt solutions to your profile and risk tolerance,
build a coherent and progressive strategy.

No returns are guaranteed.

How do you charge for your services ?

My compensation is explained clearly and transparently from the start.

Am I committed for a long period ?

No. You remain free at any time. The service can be one-time or long-term according to your needs.

Can meetings be held remotely ?

Yes. Meetings can be:

remote (video call),
or in person, depending on your location.

Is my information kept confidential ?

Yes, absolutely. All exchanged information is strictly confidential and complies with German regulations.

How can I book an appointment ?

You can book directly:

via the contact form

I will get back to you promptly to schedule the first meeting.

What certifications and accreditations do you have ?

I am certified and authorised to work as a financial advisor.
My certifications guarantee that I comply with professional and regulatory standards and have the skills to provide reliable and secure guidance in Germany.

Gewerbeerlaubnis: Darlehensvermittler (§34c GewO) – IHK München und Oberbayern, Oct 2024
Gewerbeerlaubnis: Versicherungsmakler (§34d GewO) – IHK München und Oberbayern, Jan 2025, Registration number: D-XEJF-P8K9N-09
Gewerbeerlaubnis: Finanzanlagenvermittler (§34f GewO) – IHK München und Oberbayern, Jul 2025, Registration number: D-F-155-GAU8-06

For more information: https://www.vermittlerregister.info

Do you have any other questions or would you like more information ?