Natascha Lehmann
Natascha Lehmann
Independent Financial Advisor · Leipzig
★★★★★
5.0 · Verified reviews
Private financial advisory for expats

Most expats in Germany
are quietly losing
€6,000+ a year.

Wrong insurance. Idle capital. Pension gaps. Tax benefits left unclaimed. I find exactly what you're losing — and build a plan around your income, your timeline, and your future in Germany.

Book my free call
I call you back · English & German · Q2 spots now open — limited intake
★★★★★
“Competent. Honest. Clear.”
★★★★★
“She found €8,400 in savings I never knew existed.”
★★★★★
“Her eye for detail gave me confidence.”
★★★★★
“The most honest financial conversation I’ve had in Germany.”
★★★★★
“Someone who genuinely has your back.”
★★★★★
“Very personable and highly competent.”
★★★★★
“Takes all the time you need.”
€6,400+
Avg. annual benefit
8+
Years experience
5.0
Star rating
EN / DE
Fully bilingual
The cost of inaction

The German financial system
was not built for you.

High earners arriving in Germany face the same three financial traps. Most don't discover them until years of money have already been lost.

01
The pension gap nobody tells you about
You pay into the German state system every month — but as a non-permanent resident, you may never see most of it. Without private provision, you are building nothing.
02
Thousands in tax overpaid each year
State subsidies and deductions most expats are entitled to — but never claim. Every year you wait is money permanently left on the table.
03
Wrong insurance. Wrong structure.
Public health insurance costs high earners significantly more than private alternatives — with worse coverage. Most expats stay on it by default, for years.

Every month without a plan is money that doesn’t come back. The first step takes 15 minutes.

What I do

A complete financial strategy,
built around your situation.

Not a product sale. A proper plan built around your income, your timeline in Germany, and what you actually want to achieve.

01
Insurance
Private vs. public health. Liability. Income protection. Right-sized for your income level.
02
Investments
A portfolio aligned to your goals, timeline, and German tax position.
03
Pension Planning
Closing the gap the German state pension will leave — with structure that follows you.
04
Tax Optimisation
State subsidies and deductions most expats are entitled to — but never claim.
05
Real Estate
Financing property in Germany as a foreign national — what's possible and how.
06
Cashflow
Finding where money is leaking and building a structure that actually fits your life.
Real client example

What one conversation
can actually uncover.

€8,400+
found in annual savings — in a single conversation
Arjun, 38 — Senior Engineering Manager · Frankfurt · 2 years in Germany · €130k gross

He came to the call thinking his finances were fine. Public health insurance by default, €35k idle in a current account, no pension, no liability cover. Nothing wrong — the system just hadn't been explained to him.

Switched to private health insurance — better coverage at a lower cost. €420 saved / month.
€35,000 put to work — moved from a near-zero account into a structured portfolio. Capital now generating returns.
State-subsidised pension + tax relief — set up from day one. Tax benefit from year one.
Could your finances look like this?
Find out in 15 minutes. No prep needed.
Let’s talk →
Natascha Lehmann
Who you'll speak with

Natascha Lehmann

Who you'll speak with

Natascha Lehmann

Independent financial advisor based in Leipzig. I work with high-income expats in Germany — in English and German.

I specialise in expats because I kept seeing the same pattern: highly capable professionals with significant incomes, completely unprepared for a financial system no one had explained to them. Not through any fault of their own.

The 15-minute call is diagnostic, not a pitch. You tell me your situation. I tell you honestly what I see — and whether working together makes sense for you.

🇬🇧 English 🇩🇪 Deutsch IHK Certified
How it works

One call. No prep required.
A clear picture of where you stand.

1
Leave your numberI'll call you back for your free 15-minute discovery call — at a time that suits you.
2
We talk for 15 minutesTell me your situation. I give you an honest assessment of what I see — no pitch, no pressure.
3
I tell you if I can helpIf there's a clear opportunity, I explain it. If there isn't, I tell you that too.
Book your free call

Find out exactly
what you're missing.

Leave your number. I'll be in touch to see if we're a good fit — and to give you an honest read on your financial situation in Germany.

15 minutes — I call you
English or German
Honest assessment, no sales pitch
“Competent. Honest. Clear.”
Verified client · HORBACH
€6,400+ found on average  ·  Limited Q2 availability.
✓
You’re on the list.

I’ll call you within 1 business day at the number you provided.

The call takes 15 minutes. No prep needed — just tell me where you are financially and I’ll give you an honest read on what I see.

If I can’t reach you, I’ll try once more — then send a short message so you can pick a better time.