You booked the call. Here's your 5-minute head-start.
A short note so the hour we spend together is genuinely useful — not a sales pitch you sit through, but a conversation where you leave knowing exactly where you stand. Two minutes to read. Four to prepare. That's it.
Why this call is worth your hour
Most expats earning good money in Germany quietly overpay — not because they're careless, but because no one ever explained the rules.
The German system isn't designed to be understood by people who didn't grow up inside it. So smart, high-earning professionals lose four and sometimes five figures a year to taxes they were legally allowed to keep, and to insurance and pension structures nobody walked them through.
That's the whole point of this session. By the end, you'll know — in plain numbers, for your situation — where money is currently leaking, and what you can do about it. Whether you decide to work with us afterwards is entirely up to you. But you'll know.
Who you'll be talking to
You'll meet one of our senior advisors. We're an independent advisory built specifically for expats in Germany, and we've guided over 3,000 consultations through exactly the questions you're facing now.
We are not a replacement for your tax advisor — we're the supplement. Tax advisors in Germany aren't permitted to recommend specific implementation strategies. That's the gap we fill.
The four levers we'll look at
We won't dump everything on you at once. We work through one topic at a time, in the order that makes sense for you. Broadly, these are the levers on the table:
The tax refund most expats never claim
A tax-optimised retirement contribution (Layer 1, via §10 EStG) — invested for you in low-cost ETFs — that the German state refunds you for, often several thousand euros a year, every year. This is usually where the biggest, fastest win sits.
Private health insurance — if it fits you
If your income is above the statutory threshold, private health insurance can mean a meaningful monthly saving and better cover. It doesn't fit everyone — we'll tell you honestly whether it fits you.
We'll only raise this if you qualifyInvesting without the silent tax leak
If you already invest through a broker like Trade Republic or Scalable, you're likely paying tax you don't need to. We'll show you the tax-optimised way to build the same wealth.
Property as a long-term investment
If you're planning to stay, an investment property can build wealth while the tax system helps carry the cost — depreciation and interest are deductible. It only makes sense past a certain horizon, so we'll be honest about whether it fits you.
That's the map. On the call, we'll figure out which of these actually matter for you — and ignore the ones that don't.
Your 4-minute homework
The more we can see, the more precise your numbers will be. A rough photo on your phone is completely fine — this doesn't have to be perfect.
- Your incomeYour latest payslip, or just your gross annual salary.
- What you currently pay intoAny insurance policies, pension plans, or savings you already have.
- Your monthly pictureRoughly what comes in, what goes out, and what's left at the end of the month.
- Any investmentsA screenshot of your broker account (Trade Republic, Scalable, etc.) if you have one.
✓ Have it ready, join 5 minutes early, and we'll use every minute of the hour on you — not on paperwork.
Hear it from people like you
That's everything. We're looking forward to it.