1new guide every month
Guides & articles
A growing library, one new plain-English guide every month, on pensions, ETFs, health insurance, taxes and property, each with a box on what changes if you leave Germany.
Information offer for international employees
Financial decisions in Germany, explained in English.
Free for international employees of participating companies. Licensed, fee-only advice when you need to decide.
Employees: you need the password from your company's internal email. No account, no sign-up. The 2-Minute Check is open to everyone.
What you get
Plain English, every German term explained, every month.
45minutes live, every month
Live webinars
One live session every month on your company's Teams, 45 minutes, recorded for everyone who can't attend. Send your question when you register; it's answered in the session or the FAQ.
30free minutes with a licensed advisor
Orientation Call
A free 30-minute call for employees of participating companies. Your situation, the gap, and a recommendation: a package, a tax advisor, or "you're fine, here is the guide".
7days to a tax-advisor match
Support network
Independent, English-speaking tax advisors we connect you with within a week.
Now
Pension reform 2027
From 1 January 2027 the Altersvorsorgedepotthe new state-subsidised retirement account replaces Riesterthe state-subsidised private pension scheme until 2026 for new contracts. What it means if you are not German, and if you might leave.
What changes on 1 January 2027, and what stays
Who it affects: new savers, existing Riester holders, parents (Frühstart-Rentethe planned state-funded pension start for children)
What it means if you are not German, or may not stay
For employers
An information offer for your international employees.
Financial education in English for the people on your team who did not grow up with the German system. Your effort is one internal email.
Free. Nothing to pay, for the company or for the employee.
Zero effort. One internal email. No setup, no integration, no payroll entry.
Fee-only advice. Licensed, no product commissions. How we earn money is stated below, in three sentences.
No employee data. No accounts, no names, no list. Your employees share one password.
Cancel anytime. No contract. Stop forwarding the link and it ends.
Everything for HR on one page → What your employees see, the internal email you can forward, and what you get as a founding company.
Who's behind this
One licensed advisor, fee-only on advice.
Alexander Hecking
Honorar-Finanzanlagenberaterlicensed fee-only investment adviser (§34h GewO), plus §34d · fee-only on advice, no product commissions
All consultations: pensions, health insurance, ETFs and investing, property tax
[About 150 words: what Alexander has done with internationals in Germany.]
[Guest experts, named per topic once confirmed.]
[Once a tax advisor is signed: reviewer name(s) and "We work with independent tax advisors."]
How we earn money
Three sentences, before you ask.
Content is free.
Advice is fee-only: fixed-price packages with a defined outcome, and we take no product commissions.
If property turns out to be right for you, our property partner helps you find, finance and buy it; that is paid by commission, typically 3% of the purchase price, and we tell you how much and who pays before you sign.
The packages: Decision: Pension · Decision: Health insurance · Decision: First portfolio · Decision: Property — fixed prices, defined outcomes →
Every package ends with a written Decision Document. For pension and health-insurance contracts it shows both sides; the decision is yours. The free Orientation Call ends with a recommendation: which package, if any.
Ask your question
Six questions, two minutes, one next step.
Your answers give you one of three next steps: the booking link for the free 30-minute Orientation Call, for employees of participating companies; an introduction to an independent, English-speaking tax advisor from our network within a week; or your question answered in the next live session and the FAQ.
Only want to know whether you need an international tax advisor at all? This is also the 2-minute tax-advisor check.
General education, not individual tax, legal or investment advice.