Germany’s tax system can be confusing especially for expatriates. Our tax consultation service helps you understand and navigate the complex tax regulations, ensuring compliance and minimizing your tax burden.
Tax Filing: Filing your tax return in Germany is often required annually. Our experts ensure your tax return is filed accurately, on time and in line with all legal requirements. We help with everything from declaring your income to claiming deductions.
Tax Optimization: Expatriates are often eligible for various deductions or exemptions. Our consultants analyze your financial situation to identify opportunities for tax savings.
Cross-Border Taxation: If you have income from multiple countries or are concerned about double taxation, we guide you through international tax treaties and help avoid double taxation on your earnings.
Germany has a comprehensive insurance system, but choosing the right policies can be overwhelming. We help you navigate this system to ensure you are fully protected.
Health Insurance: In Germany, health insurance is mandatory. We help you understand the differences between statutory (public) and private health insurance, advising you on the best option based on your income, family status and long-term plans.
Liability and Property Insurance: : Protect your belongings and your personal assets. We provide assistance in selecting home contents insurance, liability insurance (which covers damages you may cause to others) and household insurance.
Life Insurance: Planning for the future is crucial. We advise on various life insurance policies, helping you secure your family’s future in case of unexpected events.
Whether you're purchasing a home, funding education or considering personal financial needs, our loan consultation services provide you with the best possible options.
Mortgage Advice: We assist expatriates with securing a mortgage to buy a home in Germany, providing expert guidance on finding the best interest rates, loan terms and navigating the application process. We help you understand the legal aspects of property purchase as well as what the lenders require from you.
Personal Loans: Need a personal loan for other reasons, such as funding a major purchase or consolidating debt? We assist in identifying the most affordable loan options available, ensuring you understand the terms and conditions.
Business Loans: For expats seeking to start or expand a business in Germany, we help with finding the right funding sources. We also provide guidance on navigating Germany's business loan and grant systems.
Germany has a dynamic real estate market and understanding its nuances is crucial. We help expats navigate the housing market whether you are looking to rent, buy or invest.
Property Search: Finding the right property can be challenging, especially in cities like Berlin, Munich or Hamburg. We assist you in locating rental apartments, houses or commercial spaces that match your budget and preferences.
Real Estate Investment: Germany’s real estate market is a safe bet for investors. We provide advice on purchasing properties for investment, helping you understand the best areas to buy, rental yields and the legal considerations involved.
Property Transactions: Whether buying or selling property, our team assists you through the entire process, including negotiations, legal documentation and finalization. We also offer advice on property taxes and other financial aspects.
Planning for your future is essential and saving for retirement in Germany requires a good understanding of the available options. We help expats with the planning and implementation of their retirement strategy.
Pension Plans: We explain how Germany’s public pension system works and how it applies to expatriates. We also guide you through private pension options, including how to make contributions and what benefits to expect.
Retirement Savings Products: We help you identify the best private retirement savings plans, including Riester pensions, Rurup pensions and company pension plans.
Cross-Border Retirement Planning: For those with retirement plans in multiple countries, we offer advice on coordinating your pension contributions and optimizing your savings for the future.
Maximizing your wealth and securing your financial future requires a sound investment strategy. We provide expert advice on the various investment opportunities available in Germany.
Investment Portfolios: We help you create a diversified investment portfolio that aligns with your risk tolerance, time horizon and financial goals. Whether you’re interested in stocks, bonds, mutual funds or real estate, we guide you through your options.
Real Estate Investment: We help expats explore investment opportunities in Germany’s growing property market, including rental properties, commercial real estate and property development projects.
Financial Planning: We take a holistic approach to your financial future, combining retirement planning, savings and investment strategies to help you achieve your long-term goals.
Fascination of gold. Attraction of silver: Precious metals have several special properties that have fascinated people for thousands of years. Since precious metals cannot be produced artificially, their availability is limited to what is available on earth. At the same time, however, precious metals are in ever-increasing demand. They are not only used as investment objects or for jewelry. Precious metals are also used in high-tech industries, for example in car catalysts, as contact material in the electronics and glass industries or in photovoltaics - many future-oriented industrial products therefore contain precious metals.
They are therefore an interesting product. In the past, it has also been shown that buying physical precious metals such as gold and silver can diversify an investment in stocks, bonds and real estate and thus reduce the overall risk. Many fund managers and investment professionals also rely on precious metals as an addition.
Setting up electricity and gas in Germany can be challenging with various providers and tariffs. We assist expats in selecting the best plans and ensuring a smooth setup.
Save electricity: The seven tips from us will ease your wallet. We provide Electricity and Gas for Domestic and Commercial usage. The high prices for energy are putting a strain on our wallets. We explain how you can save electricity with simple tips and why changing your electricity provider can also pay off ⬇️⬇️⬇️ #Financialcoaching.
The costs of electricity and gas are a burden on every household budget. Consumers have to dig deeper into their pockets every year for everyday things like cooking, heating and washing. Since the majority of German households still get expensive electricity or gas from the local public utility company, it is practically obvious that switching could save several hundred euros a year.
account / credit card: It is hard to imagine our everyday lives without one: if you don't have one, you can't rent an apartment or receive a salary. We're talking about the checking account. The importance of the account has also been recognized in politics. The right to one is now even enshrined in law - the European Union's Payment Accounts Directive grants everyone this right. But: Not all current accounts are created equal. This starts with the costs: customers of many banks have to pay an account management fee, fees for transfers, etc. The institutions often trust that their customers will not switch to another bank out of convenience. But consumers can save a lot of money with the right current account.
The DVAG credit card from Deutsche Bank is an exclusive product that is only available to our customers. It gives you financial flexibility worldwide when travelling, in restaurants or when shopping and allows you to withdraw cash for free at millions of ATMs.