Independent Financial Consulting Germany

IHK Certificate

IHK Certificate According to §34f GewO – Your Guarantee of Qualified Financial Advice

At Finanz2go, transparency and professionalism are core values. As required by German law, we are officially certified as Finanzanlagenvermittler under §34f GewO by the Industrie- und Handelskammer (IHK). This certificate confirms that we meet the legal requirements for offering independent financial investment advice and product mediation.


The §34f certification ensures that advisors have proven expertise in financial products, a clean regulatory record, and reliable financial conduct. It also requires ongoing training and strict compliance with German consumer protection and advisory standards.


With this certification, Finanz2go is authorized to advise on and mediate investment products such as mutual funds, ETFs, and closed-end investments — giving you the peace of mind that you’re working with a qualified and legally approved financial advisor in Berlin.

The IHK Certificate in Germany — Understanding §34d and §34f Licenses for Financial Advisors

If you are working as a financial advisor or insurance consultant in Germany, you need an official certification issued by the IHK (Industrie- und Handelskammer) — the German Chamber of Industry and Commerce. These licenses, known as §34d and §34f GewO permits, are mandatory under German trade law to provide financial or insurance consulting legally and professionally.

At Finanz2Go, we are proud to hold both the §34d and §34f licenses, ensuring our consulting meets the highest legal and ethical standards. These certificates guarantee transparency, professionalism, and full compliance with German financial regulations.

What Is the IHK in Germany?

The IHK (Industrie- und Handelskammer) is the official Chamber of Industry and Commerce responsible for regulating and certifying many professions in Germany, including financial advisors, brokers, and insurance intermediaries.

The IHK ensures that advisors meet strict professional requirements in terms of education, reliability, and expertise before being allowed to offer consulting services to clients.

There are different types of licenses depending on the nature of financial advice you provide. The most relevant for independent financial consulting are §34d GewO and §34f GewO.

The §34d GewO — Insurance Consulting License

The §34d GewO license authorizes professionals to act as insurance advisors or insurance intermediaries in Germany.
Anyone offering advice on health insurance, life insurance, liability insurance, or similar financial protection products must hold this certification.

The §34d license is issued after passing a professional exam at the IHK and proving sufficient expertise in German insurance law, policy comparison, and client protection principles.

It ensures that consultants:

  • Provide objective, product-neutral advice.
  • Work transparently and disclose all commissions.
  • Are registered in the national insurance intermediary database (www.vermittlerregister.info).

At Finanz2Go, our independent insurance consulting is based on the §34d IHK certification — guaranteeing compliant and client-first advice.

The §34f GewO — Financial Investment Advisor License

The §34f GewO license covers investment consulting and financial product mediation. It is required for anyone providing advice on funds, ETFs, bonds, and financial portfolios in Germany.

This certificate is granted only after demonstrating deep knowledge in:

  • Investment markets and product categories.
  • Risk analysis and diversification.
  • Legal frameworks such as the German Investment Code (KAGB).
  • Consumer protection and transparency regulations.

There are three license categories under §34f GewO:

  1. Investment funds (Category 1)
  2. Closed-end funds (Category 2)
  3. Other financial instruments (Category 3)

Finanz2Go holds the §34f license, which allows us to give independent, non-commissioned investment advice according to the German Trade Regulation Act (Gewerbeordnung). This is an essential part of our fee-only financial consulting model.

Why These Certificates Matter

Both the §34d and §34f IHK licenses protect clients by ensuring that only qualified professionals may provide financial and insurance advice in Germany.
They are proof of:

  • Verified technical competence and experience.
  • Legal compliance with German regulations.
  • A commitment to ethical, independent consulting.

For international clients and expats, working with an IHK-certified consultant like Finanz2Go guarantees that your financial advisor is officially registered, transparent, and trustworthy under German law.

Summary — Trust Through Certification

The IHK §34d and §34f certificates form the legal foundation of professional financial consulting in Germany. They ensure that advisors like Finanz2Go meet strict educational and ethical standards — providing reliable, independent guidance in investments, pensions, and insurance.

When choosing a financial consultant in Germany, always verify that they hold valid IHK certifications. This protects your interests and ensures compliance with all national financial regulations.