Retirement and protection – a first overview
Retirement planning and protection are among the most important financial topics for anyone living in Germany. Whether you are building a pension, choosing the right insurance, or simply want to understand your options, a clear overview helps.
Start with a simple inventory: which contracts and social-insurance statuses apply to you? Where are there sensible gaps, and where might you be paying twice? That baseline makes it easier to ask targeted questions — for example with an adviser or your HR team about workplace benefits.
Where to next?
Start with a related read, the Money Manual, or a conversation — more formats coming later.
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Questions & answers
Is this general information or personal advice?
Articles on this site are educational. For decisions that depend on your income, visa status, or existing contracts, book a consultation so we can look at your situation properly.
Who is German Financial Planning for?
Expats and English-speaking residents in Germany who want structured guidance on protection, retirement, and wealth — without product-push jargon.
Do you charge for the first conversation?
The first call is a chance to see if we are a good fit — no obligation to proceed. We will be clear about any fees before you commit to ongoing work.
Can we work entirely in English?
Yes. Sessions, written summaries, and most resources can be in English. Where German documents or insurers require German wording, we translate and explain what matters.
Are you tied to one bank or insurance company?
No. Advice is independent and product-neutral where regulation allows. Recommendations follow your situation, not a single provider’s catalogue.