Retirement & Protection· Oct 28, 2026
bKV in brief: what employers should know in 5 minutes
Occupational health insurance (bKV) on one page – what it is, who it may suit, the rough tax picture, and how a no-obligation fit check works.
Read insight →Financial insights for life in Germany
Practical explainers for international households — from everyday tips to bigger coverage and planning decisions.
Each article pairs calm, original guidance with a single visual metaphor. No stock clichés — just clear framing for expats and English-speaking residents building stability here, whether you are in Berlin, Frankfurt, Munich or anywhere in between.
Finances· Jun 11, 2026Employee social-insurance shares on German payslips: DATEV sample with occupational pension and bKV
Many people only know their net bank transfer — but sickness daily benefits and advisory worksheets need AN-SV lines from DATEV payslips. A walkthrough with bAV co-funding and employer health insurance.
Read insight →- Retirement & Protection· May 26, 2026
Employer health insurance in Germany: absenteeism, costs, and what bKV can do
Sick leave costs German employers billions and strains teams. A practical overview for employers on what occupational health insurance (bKV) can offer and what to check before you decide.
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Retirement & Protection· May 19, 2026Germany's birth rate at a record low: Why family planning is always financial planning too
Germany's low birth-rate figures are more than a demographic headline. For expats and international households, they are also a reminder that whether you want children or not, your long-term financial planning in Germany needs to be intentional.
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Finances· May 12, 2026Tax return: What the tax office looks at more closely — and how to be better prepared
A Handelsblatt report is a useful reminder that some areas of a German tax return receive closer attention than others. For many people, the practical lesson is simple: keep your documents organised and go into any tax-adviser conversation properly prepared.
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Finances· May 5, 2026Get your tax admin under control: What to set up once and maintain throughout the year
Many people only think about their taxes when filing season is already stressful. A small set of routines and a clean one-time setup can make your tax-adviser appointment far easier, faster and often more productive.
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Retirement & Protection· Apr 28, 2026Expat or immigrant? Why the difference changes your financial planning in Germany
Many people in Germany still call themselves expats even when their lives have already become much more permanent. That distinction can change how seriously you need to think about health insurance, retirement, wealth-building and long-term financial planning.
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Retirement & Protection· Apr 21, 2026Health reform 2026: What higher earners in Germany should now watch in public and private health insurance
Germany's planned health reform could affect contribution pressure, access and decision timing for higher earners. Four lines from Handelsblatt show why expats and internationally mobile households should not compare statutory and private health insurance by instinct alone.
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Retirement & Protection· Apr 14, 2026Health reform approved: What GKV members, families and higher earners should watch now
The cabinet decision on Germany's health reform turns a political debate into a practical planning issue. For people in the statutory system, families and higher earners, the real question is what should now be reviewed properly.
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Retirement & Protection· Apr 7, 2026If health insurers disappear: Why having one trusted go-to person matters even more
The debate about fewer statutory health insurers in Germany is more than a political cost-saving idea. For insured households, it shows why it helps to have one trusted person by your side who keeps an eye on the market and can help find another solution if needed.
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Retirement & Protection· Feb 12, 2025Retirement and protection – a first overview
A short overview of why retirement and protection matter in Germany and where to start.
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