Free 15-minute phone call

Not sure if your finances
are set up right
for life in Germany?

Let's have a quick call. No prep needed, no forms to fill in beforehand — just tell me where you are and I'll tell you honestly if I can help.

Request your free call →
15 minutes
I call you
No obligation
English & German
Insurance
Investments
Pension planning
Tax benefits
Real estate
Cashflow
What I do

Financial advice for expats
in Germany — in plain English.

The German financial system is complex even for Germans. For someone who just moved here, it can feel impossible — wrong insurance, money sitting idle, pension planning ignored, tax benefits left unclaimed.

I work with high-income expats across Germany on exactly these issues. Not generic advice — a proper plan built around your situation, your income, and how long you intend to stay.

01
Insurance
Health, liability, income protection — finding the right cover for your situation in Germany.
02
Investments
Building a portfolio that works for your timeline, goals, and tax situation here.
03
Pension planning
Bridging the gap the German state pension will leave — with the right private structure.
04
Tax benefits
State subsidies and deductions most expats are entitled to — but never claim.
05
Real estate
Buying property in Germany as an expat — what's realistic and how to finance it.
06
Cashflow
Identifying where money is being lost and building a structure that actually fits your life.
Real example

What working together
can look like.

A real client scenario — details anonymised — to give you a sense of the kind of impact proper financial advice can have for a high-income expat in Germany.

Client profile
A
Arjun, 38 — Senior Engineering Manager
Relocated from Bangalore to Frankfurt · 2 years in Germany

Arjun was earning well above the German average but still on public health insurance — the default his employer had set up on arrival. He had no personal liability cover, kept a large cash reserve sitting idle in a German current account, and had never looked into pension planning or the tax advantages available to him as a high earner in Germany.

He wasn't doing anything wrong. Nobody had ever sat down and explained his options.

✓
Switched to private health insurance — Better coverage including faster specialist access, private hospital rooms, and dental. Premium was lower than his public insurance contribution at his income level.
Saving: €420/month
✓
Liability and income protection added — No personal liability cover in place. Full protection set up immediately, plus occupational disability cover sized to his income.
Coverage gap closed
✓
Idle cash put to work — €35,000 sitting in a near-zero current account moved into a structured, diversified investment portfolio aligned to his timeline and risk profile.
Money now working for him
✓
State-subsidised pension plan started — A private pension structure with full state subsidy and significant tax deductibility — generating meaningful tax savings from year one.
Tax savings from day one
Total annual benefit identified
€8,400+
Insurance savings · tax relief · investment returns
Identified & structured
after working
together
Natascha — Financial Advisor for Expats in Germany
Who you'll speak with

Hi, I'm Natascha.

I'm a financial advisor based in Germany and I work exclusively with expats — in English and German.

I started focusing on expats because I kept seeing the same pattern: highly capable, high-earning professionals completely lost in a system no one had explained to them. Not through any fault of their own — the German financial system is genuinely complex, even for Germans.

The 15-minute call is where it starts. You tell me where you are, I tell you honestly what I see — and whether working together makes sense.

🇬🇧 English 🇩🇪 Deutsch
How it works

Simple, straightforward,
and on your terms.

✓
15 minutes — I call you, you don't call me
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No prep needed — just a relaxed conversation
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In English or German, whichever you prefer
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I'll tell you honestly if I can help
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I'll give you my honest read on your situation
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Free to get started — no strings attached
Let's talk

Leave your number.
I'll call you.

Drop your name and number below. I'll be in touch within one business day to arrange a time that suits you.

I'll be in touch within one business day · No spam, ever

✓
Perfect — speak soon.

I'll call you within one business day to arrange a time.
Looking forward to it.