Wealth,without noise.

The advice itself is free of charge for you, permanently. For the detailed financial analysis there is a one time handling fee of 86.40 euros. If I cannot improve your household finances by at least 100 euros a year, you get that fee back in full.

The fee covers the work of going through your documents and producing the written analysis. You pay it once, not per meeting and not on an ongoing basis. The first conversation itself remains free and without obligation.

After you book an appointment we meet in person in Weiden or online. I take the time to understand your situation, go through your existing documents and discuss possible improvements openly with you. The first conversation takes around 30 minutes.

Mostly I ask questions: where do you stand, what matters to you, what worries you? Only after that do we look at whether and how I can help. If I am not the right person for your situation, I will tell you.

For anyone who wants clarity about their cover. People starting their career, families, the self employed and people close to retirement. My aim is to make your finances understandable, regardless of how much you have available each month.

You need no prior knowledge and no prepared paperwork. Many clients arrive with a folder they have not opened in years. That is exactly where we start.

No. I check objectively whether your current contracts are still up to date and still make sense. You decide yourself whether to adjust or switch anything. A contract is only cancelled if switching brings you demonstrable advantages.

Older policies from the 1990s or early 2000s often carry guarantees that no longer exist today. Cancelling those would be a mistake, even where a new contract would be financially more attractive for me.

Yes. Based on your circumstances and your goals I recommend only the cover that is genuinely necessary. No sales pressure and no products you do not need.

If there is a gap, I say so clearly. If there is none, I say that just as clearly. A recommendation you do not understand or do not want helps neither of us.

Yes. If you recommend me to friends, acquaintances or family and a new household becomes a client, I say thank you with a voucher worth 50 euros. Your recommendation is the best recognition of my work.

Simply ask the person you recommend to mention my name and yours when booking. Everything else is handled directly, you do not have to do anything further.

I am licensed under sections 34c and 34d of the German Trade Regulation Act and additionally certified for private health insurance. I have worked as a financial adviser since 2019 and have supported more than 700 clients in that time.

The licences under section 34c for loan brokerage and section 34d for insurance are issued by the Chamber of Commerce and are publicly viewable in the intermediary register. My registration number is in the imprint.

The earlier the better, because compound interest is the biggest lever. Someone starting at 30 needs a far smaller monthly amount for the same pension than someone starting at 45. A later start still pays off.

In practice I first calculate your specific pension gap: what will you receive from the state, and what will you actually need? Only once that number is on the table do we discuss the available options.

For most working people yes, because it protects your income and therefore everything else. The state reduced earning capacity pension is as a rule not enough to maintain your previous standard of living.

With income protection the policy wording decides the outcome, not the premium. I look at those details before we talk about price. A cheap policy with poor terms helps nobody when it matters.

German, English as well as Bosnian, Croatian and Serbian. With financial topics in particular it helps to be able to speak in your own first language. Technical terms are not always self explanatory in German either.

Many clients discuss complex topics such as income protection or retirement planning in their first language and then receive the documents in German.