At Finanz2Go, we believe financial advice should be simple, transparent, and completely independent. Whether you’re seeking help with investments, pensions, or insurance, our digital consulting process is designed to give you expert guidance that fits your lifestyle — wherever you are in Germany.
We’ve built a modern advisory system that combines human expertise with digital convenience. Every step is structured online — so you can make informed financial decisions anytime, with full transparency and confidence.
Why Our Digital Consulting Process Works
Traditional financial advice in Germany often means in-person meetings, complex paperwork, and hidden commissions. At Finanz2Go, we’ve changed that.
Our process is 100% digital, independent, and client-focused, built around these principles:
- 🧭 No product sales: We give advice, not sales pitches.
- 💬 Clear communication: English and German support for expats and locals.
- 💻 Online convenience: Secure video calls and document sharing.
- 🔍 Transparency: You see exactly how each recommendation benefits you.
Whether you’re an expat navigating the German system or a professional optimizing long-term wealth, our process adapts to your goals.
Step 1 — Understanding Your Goals
Every great financial strategy starts with understanding you.
In your first consultation — a secure video call — we explore your current situation, goals, and financial priorities. Together, we discuss:
- Your income, savings, and existing investments.
- Your pension plans and retirement goals.
- Your insurance coverage and potential gaps.
- Any specific challenges as an expat or professional in Germany.
This initial conversation lets us map your financial reality and identify key improvement areas. We also explain our fee-only model, so you always know exactly what you pay for — no commissions, no surprises.
Step 2 — Data Collection & Analysis
After defining your objectives, we collect relevant data to prepare a comprehensive financial analysis.
Using our secure online portal, you can upload pension statements, insurance summaries, or investment documents safely and conveniently.
Our experts at Finanz2Go then analyze:
- 📊 Investments: diversification, ETF structure, and portfolio performance.
- 🧓 Pension status: public, private, and company coverage.
- 🛡️ Insurance protection: identifying unnecessary or missing policies.
- 🧾 Tax efficiency: reviewing opportunities to improve your net returns.
The result: a clear, visual financial overview that highlights strengths, weaknesses, and actionable next steps.
Step 3 — Developing Your Personalized Strategy
Based on your data, we design a custom financial strategy that aligns with your goals and risk tolerance.
🔹 Investment Strategy
Our consultants craft a long-term investment plan centered around low-cost ETFs and diversified portfolios. You receive concrete portfolio suggestions and allocation models tailored to your risk profile.
Interested in sustainability? We also include ESG and ethical investment options.
🔹 Pension Optimization
Our pension analysis shows how your public, private, and company pensions work together — and how to fill potential gaps through tax-efficient saving or investments.
For expats, we explain how the German pension system connects with your home country’s entitlements.
🔹 Insurance Consulting
Our independent insurance advice ensures you’re protected — not over-insured.
We compare policies for health, life, disability, and liability insurance so you can reduce costs while improving coverage.
Each recommendation is summarized in a transparent report, easy to understand and free of jargon.
Step 4 — Digital Strategy Presentation
Once your strategy is ready, we meet online to review it in detail.
During this session, you’ll receive:
- A visual presentation of your personalized plan.
- Detailed explanations for every recommendation.
- A clear implementation roadmap you can follow immediately.
Our consultants ensure that every aspect — investments, pensions, insurance — makes sense for your financial future. You remain in control at every step.
Step 5 — Implementation & Ongoing Support
Good financial advice is continuous. Finanz2Go provides ongoing support to help you stay on track as your life evolves.
Our continuing service includes:
- Regular portfolio check-ups and performance tracking.
- Pension updates when laws or income levels change.
- Insurance reviews to adapt to new needs.
- Strategy adjustments during major life events (new job, family, relocation).
You can schedule follow-ups anytime via our digital platform — no travel, no paperwork, just expert advice when you need it.
Transparency, Trust & Independence
Our philosophy is simple — your success is our only interest.
- Transparency: Clear fees, clear results.
- Trust: Built on long-term client relationships, not commissions.
- Independence: We partner with no banks or insurers, ensuring unbiased recommendations.
This independence allows Finanz2Go to act as your true financial partner, focused solely on your goals.
Your Benefits With Finanz2Go’s Digital Process
When you choose Finanz2Go, you gain:
- 📱 Full flexibility: Consult anywhere in Germany or abroad.
- 💡 Expert clarity: Understand every step of your financial journey.
- 🧠 Bilingual expertise: English and German consulting for expats.
- 💬 Continuous guidance: Stay aligned with your long-term strategy.
- 🔒 Data security: GDPR-compliant systems protecting your privacy.
We combine digital efficiency with real human expertise — creating a consulting experience designed for modern professionals.
Ready to Start Your Consultation?
Take the first step toward independent, transparent financial advice.
Book your free initial consultation with Finanz2Go today and experience a smarter way to manage your investments, pensions, and insurance in Germany.