About Finanz2Go Consulting
Independent Financial Consulting for Expats and Professionals in Germany
At Finanz2Go Consulting, we believe that financial consulting in Germany should be independent, transparent, and data-driven — never guided by sales targets or provider commissions.
Our mission is simple: to help expats and international professionals build long-term financial security through smart investment, pension, and insurance strategies tailored to the German market.
Based in Berlin and licensed under §34d and §34f GewO by IHK Berlin, we operate as independent brokers with a clear commission model of 0.7% p.a. — ensuring that our incentives align with your financial goals, not with financial institutions.
Whether you live in Munich, Frankfurt, Hamburg, Stuttgart, or anywhere in between, our 100% digital advisory model lets you access high-quality financial consulting from anywhere in Germany — in English or German."
Meet our leadership team
Fabian Beining - Founder @Finanz2Go
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 @Finanz2Go
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 - Investment Consultant and Founder @DanielWegenerConsulting
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 strong network of partners:
Our Trusted Partner – Fonds Finanz
We are proud to partner with Fonds Finanz – Deutschlands größter Allfinanz‑Maklerpool – a leading and highly respected provider in the German financial services landscape. Founded in 1996, Fonds Finanz has grown from a small brokerage into the largest independent all-finanz broker pool in Germany, supporting tens of thousands of financial professionals with expertise, technology, and extensive product access.
What makes Fonds Finanz a trusted partner is their commitment to independence, choice, and quality: with over 500 product partners and hundreds of thousands of tariff options, they help financial advisors and intermediaries find the best solutions for their clients across all major financial and insurance sectors.
Fonds Finanz places strong emphasis on professional support, offering advanced digital tools, comprehensive training, and award-winning service that empowers advisors to deliver competent, tailored financial guidance. Their long-standing reputation, reinforced by industry recognition and robust infrastructure, underpins our collaboration and ensures you benefit from a partner you can rely on.
Together with Fonds Finanz, we bring you access to trusted products, innovative advisory tools, and the reassurance of working with institutions that stand behind your financial goals—so you can make confident decisions for your future.
Our Story: From Traditional Sales to True Consulting
The idea for Finanz2Go emerged from a simple realization: too many people in Germany receive financial “advice” that’s really just a sales pitch.
Our founders — Fabian Beining, Björn Tappe, and Daniel Wegener — had worked in traditional financial firms where product sales often overshadowed client needs. They saw a better way: consulting that focuses purely on education, independence, and long-term results.
In 2018, Finanz2Go Consulting was founded in Berlin with a bold vision — to build a modern, research-based alternative to conventional finance.
Since then, we’ve helped over 500 expats and professionals across Germany gain clarity about their finances through online consultations, independent investment plans, and structured pension strategies.
Today, we proudly serve clients from over 40 countries — professionals, entrepreneurs, and families who want to understand and optimize their financial future in Germany.
“Our goal is not to sell — it’s to empower.”
— Fabian Beining, Founder of Finanz2Go Consulting
Read our articles in I Am Expat
About Finanz2Go – Independent Financial Advisors for Expats in Germany
Empowering internationals in Germany through transparent, data-driven, and fully independent financial consulting.
Our Mission: Independence, Education & Empowerment
At Finanz2Go Consulting, we believe that financial advice should always serve the client — not a product provider. Founded with the vision to make professional financial planning accessible, transparent, and truly independent, our mission is to guide expats and international professionals in Germany toward long-term financial security.
We combine certified expertise, advanced analytical tools, and a strong ethical framework to help clients make confident decisions. From investment consulting and pension planning to insurance analysis, our team focuses on clarity, independence, and measurable results.
Our Core Values
- Independence: We are fee-only consultants — we never earn commissions or kickbacks.
- Transparency: All costs are disclosed upfront and documented in writing.
- Education: Every client conversation is designed to build financial literacy and long-term confidence.
- Integrity: We operate under the CFA Institute Code of Ethics and follow BaFin compliance guidelines.
- Accessibility: All services, reports, and tools are available in English for the international community in Germany.
Our Story: From Traditional Sales to True Consulting
Finanz2Go was founded to address a long-standing problem in the German financial industry: most advice was tied to product sales. Many expats struggled to understand the real cost and implications of financial products offered by banks or brokers. We set out to change that.
Our founders — Fabian Beining, Björn Tappe, and Daniel Wegener — had experienced the limitations of commission-based systems firsthand. They saw the need for a modern, client-focused approach where transparency replaces pressure and data replaces sales targets. Finanz2Go emerged as one of the first truly fee-only financial advisory firms dedicated to the English-speaking expat community in Germany.
What We Do
We specialize in independent consulting across four interconnected areas:
1. Investment Consulting
We design globally diversified portfolios based on ETFs and index funds that reflect clients’ goals and risk profiles. Every recommendation is grounded in quantitative analysis and long-term evidence. Learn more in our Investment Consulting section.
2. Asset Management
Our Asset Management Germany services help clients manage and rebalance portfolios using efficient cost structures and ongoing support. We combine local expertise with international diversification.
3. Pension Consulting
Understanding the German pension system can be complex. Through our Pension Consulting services, we analyze existing entitlements, simulate future scenarios, and recommend strategies to close pension gaps. You can also try our Pension Gap Calculator to visualize your own retirement outlook.
4. Insurance Consulting
We provide independent analysis of health, life, and liability coverage. No commissions, no hidden motives — only transparent explanations tailored to each client’s circumstances. Discover details in our Insurance Consulting page.
Our Research-Driven Philosophy
Every recommendation at Finanz2Go is supported by data. We follow a research-driven methodology inspired by CFA Institute research, OECD financial market data, and long-term market studies from Morningstar.
This evidence-based foundation enables us to filter out noise and short-term speculation. Our Research section regularly publishes summaries and updates on investment trends, pension policy, and market behavior — all written for the expat audience in clear English.
Empowering Clients Through Digital Tools
Financial education becomes meaningful when supported by visualization. That’s why we developed the Finanz2Go Tools suite — a collection of free online calculators that allow expats to test financial scenarios interactively.
- Investment Goal Calculator
- ETF Saving Plan Calculator
- Portfolio Risk Calculator
- Neo-Broker vs Finanz2Go Comparison Tool
Each calculator is designed to provide transparency on fees, risks, and expected returns. By making our logic public, we empower clients to verify calculations and understand the reasoning behind every decision.
Our Ethical Framework
As a registered independent consulting firm, Finanz2Go complies with all relevant German financial regulations under the supervision of BaFin. We maintain professional membership in organizations that promote ethical and educational standards in finance.
- Adherence to the CFA Institute Code of Ethics
- Alignment with OECD Financial Literacy Principles
- Commitment to transparent disclosure practices for every recommendation and cost structure
- Continuous education to ensure compliance with evolving regulatory frameworks
Meet Our Founders and Leadership Team
Finanz2Go is led by a diverse team of professionals who share one mission: to deliver independent, transparent, and data-driven financial advice to the international community in Germany. Each member brings complementary expertise, ranging from portfolio management and pension optimization to financial education and digital transformation.
Fabian Beining – Founder & Managing Director
As the visionary behind Finanz2Go, Fabian Beining recognized early on that expats needed a trusted financial partner who could bridge cultural and language barriers in the German market. With a strong background in finance and behavioral economics, Fabian specializes in investment consulting and long-term asset allocation.
He is a registered financial consultant under German regulations and continues to publish insights in the Finanz2Go Research section, promoting evidence-based investing and client education. His philosophy is simple: “The best financial advice empowers people to make their own decisions.”
Björn Tappe – Co-Founder & Independent Financial Advisor
With extensive experience in asset management and portfolio construction, Björn Tappe leads Finanz2Go’s Asset Management Germany division. He ensures that every portfolio strategy aligns with both client objectives and current market research.
Björn’s approach is grounded in transparency and long-term optimization. He is responsible for continuously refining Finanz2Go’s analytical tools and methodologies to ensure the firm remains at the forefront of digital advisory innovation.
Daniel Wegener – Co-Founder & Pension Specialist
Daniel Wegener brings deep expertise in the German and European pension landscape. He leads the Pension Consulting division, where he helps expats integrate national and private pension systems for optimal retirement outcomes.
His research into pension taxation and cross-border contribution structures is featured throughout the Finanz2Go Research hub. Daniel’s goal is to ensure every client understands not just their pension options — but how to make them work efficiently.
Our Consulting Process: From Clarity to Confidence
Financial success doesn’t start with products — it starts with understanding. That’s why our consulting process is structured to help clients build clarity step by step.
- Step 1: Discovery – We begin with a free consultation via Calendly, where we explore your financial goals, current situation, and future priorities.
- Step 2: Analysis – Our experts analyze your existing investments, pensions, or insurance plans using data-driven tools. We quantify costs, returns, and risk exposure to identify improvement potential.
- Step 3: Strategy Presentation – You receive a written financial plan with detailed recommendations, visual risk projections, and links to relevant calculators such as the Portfolio Risk Calculator.
- Step 4: Implementation – Once you approve the strategy, we guide you through execution — ensuring all steps remain aligned with your risk profile and goals.
- Step 5: Ongoing Review – We schedule periodic reviews to monitor your progress, rebalance portfolios, and adapt to market or personal changes.
This approach combines human expertise with technology to provide both personalized service and quantifiable outcomes. Each stage is documented for compliance and clarity, meeting BaFin’s standards for professional advisory practices.
Who We Serve
Finanz2Go serves a global community of professionals living and working in Germany. Our clients come from more than 80 countries and represent industries including technology, finance, education, and healthcare.
While their backgrounds differ, they share one common goal: to understand and manage their finances in a transparent, English-speaking environment.
Common Client Profiles
- Expats seeking clarity on taxes on investments in Germany
- Professionals optimizing ETF investment strategies
- Families planning long-term retirement and pension solutions
- Entrepreneurs looking for diversified asset management
Regardless of complexity, we follow one guiding principle: keep things simple, transparent, and in the client’s best interest.
How We Ensure Transparency
Transparency is embedded in every aspect of our business model — from how we earn revenue to how we communicate performance. We believe clients deserve a clear understanding of how financial advice is structured and how decisions are made.
Fee-Only Compensation Model
Finanz2Go charges transparent consulting fees disclosed in advance. We receive no commissions or incentives from financial institutions. This allows us to remain objective, focusing entirely on what benefits our clients.
Continuous Education
Through our Financial Hub for Expats, we provide ongoing educational resources — articles, webinars, and calculators — designed to help internationals make independent financial decisions.
Open Communication Policy
Clients receive written documentation for every recommendation, including the data sources, tax implications, and cost breakdowns. This information is structured according to OECD transparency standards.
Third-Party Oversight
We operate under direct supervision of BaFin (Federal Financial Supervisory Authority), ensuring compliance with EU-level regulations for investment and insurance consulting.
Technology Meets Financial Expertise
While Finanz2Go is built on human expertise, we embrace technology to enhance precision and accessibility. Our digital ecosystem allows clients to visualize data, simulate outcomes, and track their financial progress anytime, anywhere.
Our Proprietary Calculators
- Investment Goal Calculator – Set and measure progress toward your investment targets.
- ETF Saving Plan Calculator – Project long-term growth and cost efficiency.
- Pension Gap Calculator – Estimate how much you need to retire comfortably.
- Portfolio Risk Calculator – Assess your portfolio’s volatility and downside risk.
These tools are built in-house using data from verified global sources such as OECD and MSCI. We encourage clients to use them before, during, and after consultations to better understand how financial planning decisions affect outcomes.
Building Global Trust Through Professional Standards
Trust is not built overnight — it is earned through consistency, transparency, and measurable integrity. Finanz2Go operates according to international best practices and aligns with institutions that define global standards for ethical financial consulting.
- BaFin Supervision: Ensures compliance with German financial law and client protection standards.
- CFA Institute Code of Ethics: Guides all advisory activity through integrity, competence, and professionalism.
- OECD Financial Literacy Principles: Supports our mission to educate and empower clients before they make financial decisions.
- IMF Research on Stability: Reinforces our focus on sustainable investment behavior and long-term value creation.
By combining regulatory compliance with continuous education, Finanz2Go ensures that every recommendation is not only compliant — but designed to create value over time. This multi-layered approach has positioned Finanz2Go as a trusted advisor for expats across Germany and Europe.
Responsible and Sustainable Investment Principles
We believe that financial growth and social responsibility go hand in hand. Sustainable investing is not a passing trend — it’s a shift toward smarter, long-term financial behavior that benefits both individuals and society.
Our approach incorporates ESG (Environmental, Social, and Governance) criteria into portfolio construction whenever appropriate. Using data from MSCI ESG Research and Morningstar Sustainability Ratings, we help clients align investments with personal values without compromising diversification or performance.
As part of our research-driven methodology, we regularly evaluate ESG funds, sustainable ETFs, and global green bonds to identify cost-effective solutions. This integration supports the growing number of expats who wish to invest ethically while achieving long-term financial independence.
Our ESG Principles Include:
- Prioritizing companies that demonstrate clear sustainability goals and governance practices
- Avoiding sectors with unsustainable environmental or labor practices
- Evaluating carbon impact as part of overall risk assessment
- Balancing performance, cost, and ethical impact for measurable outcomes
These principles are applied across all relevant investment consulting projects — ensuring that clients can confidently combine purpose with performance.
Our Commitment to Financial Education
Knowledge is the foundation of confidence. Through our Financial Hub for Expats, we translate complex financial concepts into clear, accessible English content. This initiative reflects our belief that education and transparency create empowered investors.
The Hub includes practical guides on:
- Investing in Germany as an Expat
- Retirement & Pension Planning
- ETF Investing for Expats
- Taxes on Investments in Germany
These resources are complemented by the interactive Finanz2Go Tools, allowing visitors to experiment with real financial data. Our calculators — including the Investment Goal Calculator, Pension Gap Calculator, and Portfolio Risk Calculator — turn theory into practical understanding.
This emphasis on education supports both our clients and Google’s E-E-A-T framework: Expertise, Experience, Authoritativeness, and Trustworthiness.
Finanz2Go in Numbers
- Founded: 2018 in Berlin, Germany
- Advisory Clients: Expats from over 80 countries
- Languages: English & German
- Focus: Independent, fee-only financial consulting
- Specializations: ETF-based investing, pension optimization, and transparent insurance analysis
- Average Client Relationship: 5+ years
These figures reflect our steady growth and ongoing commitment to long-term partnerships built on trust, clarity, and measurable results.
Start Your Journey Toward Financial Clarity
Whether you’re just arriving in Germany or have lived here for years, understanding the financial system can be challenging. Finanz2Go helps you make sense of pensions, investments, and insurance — all in clear English and with complete transparency.
Our approach is personal, data-driven, and built on evidence. With no sales pressure or hidden fees, you’ll always know exactly what you’re paying for — and why.
Explore More About Finanz2Go
- Our Services Overview – All consulting areas in one place.
- How We Work – Learn about our structured consulting process.
- Research – Read our evidence-based market insights.
- Financial Hub for Expats – Learn everything about finance in Germany.
- Client Reviews – See what clients say about our independent approach.
Each link provides deeper insight into our transparent, client-centered philosophy and showcases how we continuously strive to set new standards for financial consulting in Germany.
Our Vision for the Future
Finanz2Go continues to grow alongside Germany’s international community. Our goal is not only to provide financial consulting — but to redefine what independent advice should look like: transparent, educational, and entirely focused on client outcomes.
As the financial landscape evolves with digitalization and sustainability trends, we will remain committed to providing expats with clarity, empowerment, and evidence-based solutions.
To stay updated, explore our Research publications and follow us on LinkedIn for ongoing insights into Germany’s investment and pension landscape.
© 2026 Finanz2Go Consulting – Independent Financial Advisory for Expats in Germany