At Finanz2Go, we believe financial consulting should be transparent, data-driven, and free from conflicts of interest.
Our mission is simple: to help expats and professionals in Germany make smarter decisions about their investments, pensions, and insurance — without sales pressure or hidden commissions.
We are one of the few truly independent, fee-only financial consulting firms in Germany, combining expert human advice with a digital-first approach that makes personal finance simple, secure, and accessible.
Meet our leadership team
Fabian Beining - Founder
Fabian Beining is a co-founder of Finanz2Go and already has years of experience as a senior investment consultant in a large investment consulting firm in Germany.
He successfully studied business administration with a focus on finance and gained experience in the largest consulting firms in Germany during his studies. Fabian loves investing and has been a passionate investor in the stock market for over 12 years.
Today he helps his clients to develop individual portfolios that fit their goals and wishes.
Björn Tappe - Senior Investment Consultant
Björn Tappe is a certified independent investment consultant and expert in the area of pension planning and pension models. Prior to financial consulting, he studied business administration, earning a Master´s degree.
Björn is very experienced with all calculations for the pension plans of our clients.
Daniel Wegener - Senior Investment Consultant
Daniel is an expert in retirement planning and long-term investment. With his long experience on his German social media channels, he helps Finanz2Go with video production.
🌍 Our Story — From Traditional Finance to Transparent Consulting
The story of Finanz2Go began with a simple observation:
Too many people in Germany receive financial “advice” that’s actually sales in disguise.
Our founders, experienced financial consultants with years in the German market, realized that clients needed something different — honest, independent advice that puts the client’s goals first.
In 2018, Finanz2Go was born with one mission:
To bring clarity and independence to financial consulting in Germany — in English and German, fully digital, and 100% client-focused.
Today, we serve hundreds of clients across Germany — from expats settling into their first job to seasoned professionals optimizing their long-term investments and retirement plans.
💡 Key Figures:
- Over 500+ consultations conducted digitally across Germany.
- Clients from more than 40 countries served in English and German.
- 98% client satisfaction rate based on post-consultation feedback.
- Fully licensed under §34d and §34f GewO by the IHK (Chamber of Industry and Commerce).
💡 Our Mission — Independence, Education, and Empowerment
Our mission is to empower individuals to make confident financial decisions through:
- Independent financial advice — not tied to any bank or insurance provider.
- Education — we explain before we advise, making finance easy to understand.
- Transparency — you always know what you’re paying for and why.
- Digital consulting — easy access, no paperwork, no pressure.
We don’t sell products. We build financial clarity and confidence — because true consulting means guiding, not selling.
🧭 What Makes Finanz2Go Different
Unlike many financial advisors in Germany, we operate on a fee-only basis — meaning our only income comes directly from our clients, not commissions or provider kickbacks.
✅ Independent & Licensed
We are officially certified by the IHK (Industrie- und Handelskammer) under:
- §34f GewO: License for investment and financial product consulting.
- §34d GewO: License for insurance and pension consulting.
This ensures our work meets the highest legal and ethical standards in Germany’s financial industry.
✅ Transparent & Data-Driven
Our advice is based on numbers, not opinions. Using digital financial analysis tools, we provide clear overviews of your current situation and identify strategies to grow your wealth efficiently.
✅ Bilingual & Expat-Friendly
We specialize in working with expats and international professionals in Germany. Our bilingual consultants help you understand the German system in clear English, saving you from confusion and costly mistakes.
✅ Digital & Convenient
We’ve built our consulting model around secure online meetings, document uploads, and easy follow-up scheduling — so you can manage your finances from anywhere in Germany or abroad.
🏦 What We Do
At Finanz2Go, we help our clients succeed in three key areas:
1️⃣ Investment Consulting
We create personalized investment strategies using low-cost ETFs, diversified portfolios, and sustainable investing options.
Our goal: long-term growth and stability without unnecessary fees.
2️⃣ Pension Consulting
We analyze your public, private, and company pensions, identify future gaps, and design tailored plans to ensure a secure retirement in Germany.
Our pension calculators help visualize your potential future income and guide actionable steps.
3️⃣ Insurance Consulting
We provide independent insurance advice across health, life, disability, and liability coverage — helping clients protect what matters most, with no product bias.
All services are compliant with IHK regulations and delivered with full transparency.
📊 Our Results in Numbers
We measure our success not by sales volume but by client outcomes and satisfaction.
| Category | Result (2025) |
|---|---|
| Client Retention | 94% |
| Average Investment Portfolio Return (5-Year) | +7.8% (ETF-based portfolios) |
| Average Pension Gap Reduction | 35% improvement after consulting |
| Insurance Cost Optimization | Up to 22% annual savings for clients |
| Average Response Time | <24 hours |
These numbers show our commitment to real impact — helping our clients make measurable progress toward financial freedom.
👥 Meet Our Team
Our team consists of licensed financial consultants with deep expertise in German and international financial markets.
Each member is trained and certified under the IHK §34f and §34d standards, ensuring the highest quality of advice and professionalism.
We come from diverse backgrounds — finance, insurance, and international consulting — but share one vision: to make financial planning in Germany transparent, efficient, and human.
🌱 Our Promise to You
Choosing a financial advisor in Germany can feel overwhelming. At Finanz2Go, we make it simple:
- We listen first, then advise.
- We explain every detail in plain language.
- We work only for you — not for financial institutions.
That’s why more and more expats and professionals across Germany trust Finanz2Go to manage their financial planning, investments, and pensions with confidence.
💬 Ready to Learn More?
Whether you want to optimize your investments, plan your retirement, or simply gain clarity about your financial future in Germany, we’re here to help.