Finanzberater in Grafenwöhr.

Yes. I advise clients in English, German, and Bosnian, Croatian and Serbian. Especially with the German insurance and pension system, it helps to discuss things in a language you are fully comfortable with.

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.