Build Long-Term Financial Security With a Smart Pension Strategy
Many professionals and expats in Germany rely too heavily on the state pension system (Deutsche Rentenversicherung), which often won’t cover their full retirement needs. Inflation, rising costs of living, and limited state benefits make private pension planning essential.
Common challenges expats face:
- Confusing pension rules and tax implications
- Language barriers when dealing with providers
- Limited understanding of Riester, Rürup, and private options
- Uncertainty about what happens when leaving Germany
- Overwhelming choice of pension products
Our mission is to simplify this process and ensure your pension works for you—no matter where life takes you.
Independent Pension Consulting
We are not tied to any bank or insurance company. That means our recommendations are completely independent and designed around your financial situation, tax status, and retirement goals.
Our 3-Step Pension Planning Process
- Analyze Your Current Situation: We review your income, career plan, and existing pension entitlements—whether from Germany or abroad.
- Develop Your Pension Strategy: We recommend a combination of state, company, and private pension options that maximize tax benefits and long-term growth.
- Implement & Review Regularly: We help you set up and optimize your plan with full transparency, and we review it annually to keep you on track.
Understand the Different Pension Types in Germany
- State Pension (Deutsche Rentenversicherung): Basic public pension funded through social contributions.
- Company Pension (Betriebliche Altersvorsorge): Employer-supported retirement plan.
- Riester Pension: Government-subsidized pension ideal for employees and families.
- Rürup Pension: Tax-deductible retirement plan suitable for self-employed and freelancers.
- Private Pension (Private Rentenversicherung): Flexible, investment-based retirement solutions for higher returns.
Our goal is to find the right balance between security, growth, and flexibility—so your pension works efficiently even if you move abroad.
Why Clients Trust Us With Their Pension Planning
- Independent, unbiased pension advice
- English-speaking experts familiar with expat needs
- Personalized, tax-optimized strategies
- Transparent fees and ongoing support
- Registered and certified advisors under §34 GewO
- Local expertise with an international perspective
Pension Planning for Expats Living in Berlin
Expats often face unique pension questions:
- Can you transfer your pension abroad?
- How does your home country’s pension system affect your German plan?
- What’s the best mix between savings, investments, and insurance for retirement?
- We help you answer these questions with clear, English-speaking advice.
Our pension specialists ensure your retirement plan fits your income, tax status, and long-term goals—whether you stay in Germany or move abroad later.
Frequently Asked Questions
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What’s the best pension plan for expats in Germany?
It depends on your income, residence status, and future plans. We help you compare options like Riester, Rürup, and private pensions to find what fits best. -
Are pension contributions tax-deductible in Germany?
Yes. Many pension products (especially Rürup plans) are partially or fully deductible. We help you structure your contributions for optimal tax benefits. -
What happens to my German pension if I leave the country?
Your entitlements remain valid, and in most cases, you can receive payments abroad. We’ll guide you through the process of securing your rights internationally. -
How much should I save for retirement in Germany?
It varies by lifestyle and income. Our advisors calculate your target pension amount to help you retire comfortably. -
How is Financial Advisor Berlin different from a bank?
We are independent—meaning we don’t sell products. Our only goal is to help you achieve financial security through honest, unbiased advice.