Starting with 25€ you can already make your money work for you and not disappear from your savings account due to inflation. This is true as to your savings as well as to the savings for your children.

Practice shows that often, people want to invest, but do not know how to do it safely and how to make the first step. Cryptocurrency, stocks, ETFs, funds, gold, real estate, precious metals...

I will help you to figure out what works best in your situation. The average yield is between 8% and 12% per year. This is several times higher than in savings accounts and thousands of savings plans. Transparent, stable and reliable.

I will tell you what you can do now, to get a higher tax refund in the future and keep more net income for yourself with the same gross salary. I am not a tax consultant.

Usually, a tax consultant helps you to handle past year's documentation and do the correct tax return. However, I will show you what you can do with your taxes in the future.

Making the right decisions today can save you up to €20,000 taxes every year in the future.

There are moments when taking out a new loan to pay off an old loan is beneficial and profitable for you.

There are times when you need money (repairs, car, investment, medical treatment) and your bank agrees to a minimum amount at the maximum interest rate.
I work with several banks and with my help clients can get the loans they need at the lowest interest rate.

This brings savings of up to 18,000 euros.

Often people need a specialist to support them with professional knowledge and good German language.

Millions of people do not know that they are entitled to receive state subsidies every year, no matter what their income is. As a result, others often receive what you are entitled to.
And these amounts can be up to € 1,200 per year!

Together we will find out, how protected you are against unexpected situations in life (whether it's an accident or illness).

Bausparvertrag is an exclusive instrument on the German financial market. It translates roughly as: "savings contract with a construction bank".

For some people it is a misery, because it is almost unprofitable. For others, it is happiness, because they have reserved a fixed interest rate of 0.95% per annum for the next 20 years and have saved up to 50,000 euros, making a smart decision!

How suitable this financial instrument is for your situation, you will find out in a personal conversation.

Transparency and control of your finances as well as finding the gaps specifically for you.

Often, my clients think they are quite well with their finances. They have various savings contracts and investment portfolios. After my expertise, it is not uncommon for us to find gaps and opportunities for improvement.

After professional optimization, this analysis can bring you up to an additional €5,000 per year.