A clear plan for your money.
Protection, provision and wealth building, explained clearly and implemented step by step. So you can sleep soundly.
For individuals
Financial score
From 3 to 10
Today
Plan
Status quo
Gaps
Next step
What we look at with you
Protection
Income, health and family reliably protected.
Wealth building
Invest broadly diversified, calmly and for the long term.
Retirement provision
Close the pension gap early and predictably.
Your complete package, in the right order.
Income & health
Classify disability cover, health add-ons and care cleanly.
Property protection
Check liability, home contents, legal, car and bundled cover.
Provision
Use Riester, Basisrente or bAV where it fits.
Wealth
Build savings plan (VASP), investment, gold and infrastructure calmly.
State cover leaves gaps
Pension, health, long-term care, unemployment and accident insurance only cover part of it. We show you where your gaps are, and how to close them.
Around 90% of occupational disability is caused by illness, not by accidents. Your ability to work is your biggest asset.
Your financial check covers
- Income, expenses & savings potential
- A review of existing contracts
- Provision and protection gaps
- A concrete roadmap for your goals
Frequently asked questions
Why is occupational disability cover so important?
Your ability to work is your biggest asset. During longer illness the state pays only 18–37% of your income long-term, and around 90% of occupational disability is caused by illness, not accidents.
What happens financially if I'm out for longer?
First continued pay (6 weeks), then sick pay (around 79%, up to 1.5 years), after that only the low reduced-earning-capacity pension. That's exactly the gap we close.
What does the advice cost?
The initial consultation is free and non-binding. Products are explained transparently.
Am I committed to anything?
No. You decide at your own pace, we recommend, you choose.
Start your financial plan
Free initial consultation, clarity in 30 minutes.