A financial advice process you can follow
Each stage is designed to make your objectives, options, risks and costs clear before you approve any action. This page explains financial advice process through scope, evidence, costs and decision boundaries.
A short fit conversation — not personal investment advice.
Scope
Separate a fit call from personal advice
Question
Service scope
Roles
Disclosures
Evidence
Analyse complete and relevant information
Approval
No implementation without your decision
Six stages
Financial Advice Process — Each stage has a purpose—and a boundary
The financial advice process in Germany separates the initial fit conversation from regulated work and implementation.
This visual organises the page’s main inputs, boundaries and next questions. It is explanatory, not a personal recommendation.
Introductory call
Clarify the question and likely fit; not a recommendation.
Scope and disclosures
Confirm roles, remuneration and document route.
Fact-finding
Agree the brief from relevant goals and finances.
Analysis
Compare position, options, costs and constraints.
Recommendation discussion
Explain rationale, alternatives and risks.
Client-approved action
Act only after an informed decision; no discretionary management.
The situation
From first conversation to ongoing review
- Introductory call — Explain your question and establish whether the service is likely to fit.
- Scope and regulatory information — Confirm the service, responsible regulated structure, remuneration approach and documents you will receive.
- Fact-finding — Gather information about your finances, objectives, knowledge, experience, risk tolerance and capacity for loss.
- Analysis — Review relevant investments, pension arrangements, costs, constraints and international considerations.
- Recommendation — Discuss the reasoning, alternatives, risks and costs. Ask questions before deciding.
- Client-approved implementation and review — If you proceed, you approve transactions. Ongoing service then includes advice and portfolio analysis within the agreed scope.
What to understand
Useful documents for a productive conversation
Depending on the service, prepare investment statements, pension information, product documents, contribution details, liabilities and a simple summary of goals and expected time in Germany. Sensitive documents should only be shared through the agreed secure channel.
Decision framework
No transaction without your decision
Finanz2Go does not provide discretionary portfolio management. You retain account control and decide whether to accept a recommendation. Suitability checks and required documentation form part of regulated advice.
What to understand
Financial planning may involve other professionals
Finanz2Go does not provide tax or legal advice. Where your situation involves cross-border taxation, immigration, inheritance, business ownership or legal structuring, you may need appropriately qualified specialists.
Frequently asked questions
Clear answers before the next step
Is the service available remotely?
Yes. The process is designed for digital delivery across Germany.
What happens on the introductory call?
You explain your situation and question. The call is used to assess fit and identify the appropriate next step; it is not a substitute for a full suitability assessment.
Do I have to proceed after receiving a recommendation?
No. You decide whether to proceed.
Who approves transactions?
You do. Finanz2Go does not trade on your behalf under discretionary authority.
How often will my portfolio be reviewed?
The review approach and communication cadence should be agreed as part of the ongoing service and may also respond to material changes in your circumstances. —
Start with a short conversation
Talk through your next financial decision
Start with an introductory call to clarify the question, likely fit and a responsible next step.
Book an introductory call ↗A fit conversation — not personal investment advice.