Know where you stand at every life stage
Turning 30, 40, or 50? Planning retirement or building legacy? Life's milestones naturally trigger financial questions. We help you assess where you stand, consolidate fragmented pensions, and build structured plans for the next chapter.
Turning 30 or 40 milestone reflection
These birthdays spark the 'Am I on track?' question when many internationals realize they've built a career but not structure with scattered savings and no long-term plan. We build a full financial overview: assets, debts, investments, and goals, while your planner helps translate that reflection into a structured roadmap for the next decade. From uncertainty to clarity, you know where you stand and how to get where you want.
Planning for early financial independence
Mid-career professionals start thinking about freedom, not just income, but unclear calculations, taxes, and pension gaps make planning intimidating. We model retirement and financial independence scenarios digitally, combining German and foreign pension systems, and help you create realistic savings and investment strategies. Confidence that your freedom goal is achievable with a plan, not guesswork.
Kids becoming financially independent
New cash flow opens up, but without guidance, the money gets absorbed into lifestyle instead of wealth-building. We help restructure spending and reinvest freed-up funds into long-term goals, optimizing liquidity and investments with expert guidance. Renewed financial momentum, you redirect income from obligations to opportunity.
Approaching 50 or pre-retirement stage
Expats realize they're halfway through their working life but unsure what they've built, especially with fragmented pensions across countries. We consolidate all pensions, savings, and investments across countries while your planner clarifies retirement readiness and fine-tunes contribution strategies. Clarity and confidence, you know your retirement timeline and what to adjust now.
Becoming a grandparent or legacy planning
Desire to support the next generation or leave a legacy emerges, but lack of structure or understanding of cross-border implications creates hesitation. We help align gifting, inheritance planning, and long-term investments with family goals, ensuring cross-border compliance and efficiency. You pass on wealth with intention and simplicity, legacy without confusion.
Trusted by internationals living in Germany
"I found Financemate through Google as I needed advice on pension/investment for starting freelance. He explained everything clearly and provided a tailored solution for me. I can recommend Alex to anyone seeking help with finances while also wanting to become more knowledgeable about the topic."
"I first read about Financemate in a blog about financial advisors for immigrants in Germany. He patiently answered my questions about flexible pensions and helped me decide when and how to set them up. In my experience, he truly understands my needs and explains everything clearly. I look forward to consulting with him again."
Explore their stories and see how we could help. Your story could be next.
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Your journey to financial independence starts with one decision
Every day you wait is another day without the independence you deserve. Take the first step toward financial freedom.
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