What are you interested in?
Master your finances with PerFinEx
PerFinEx is revolutionizing the financial world by providing innovative and user-friendly solutions. Our platform offers personalized financial insights, budgeting tools, investment advice, & more, empowering you to take control of your finances and secure a stable financial future.
Book a free meeting with us
Personal finance in Germany can be difficult – especially as an expat with limited German language skills. We make your financial planning as easy as possible. All you need is a device that is connected to the internet to secure a free online meeting with us.
What Our Amazing Clients Say About Us
To gain insight into what it’s like to work with us, take a look at the feedback from our clients. Furthermore, you have the opportunity to provide us with your own review as simple as it gets with the button below.
Health Insurance in Germany
Health Insurance in Germany plays an important role in providing security for you and your loved ones. We will bring clarity which health insurance is best for your situation.
TK Health Insurance Is Lying to You
This article exposes false claims by a major German health insurer 🏥, comparing public vs. private health insurance and their financial impact.
Public Vs Private Health Insurance: What’s Better For YOU?
Choosing between public and private health insurance depends on your healthcare needs, budget, and lifestyle. Make the right choice for your future! 🏥
Health Insurance for Expats in Germany
Discover the benefits of expat health insurance in Germany. Get expert guidance for your international healthcare needs today to find the right insurance for you. 🤒
Public vs. Private Health Insurance for Parents in Germany: A Comprehensive Guide
Discover the vital decisions in health insurance for parents in Germany. Navigate pregnancy, Elternzeit, and beyond, ensuring optimal coverage and financial balance for your family's well-being.
Health Insurance in Germany
Health Insurance in Germany plays an important role in providing security for you and your loved ones. We will bring clarity which health insurance is best for your situation.
TK Health Insurance Is Lying to You
This article exposes false claims by a major German health insurer 🏥, comparing public vs. private health insurance and their financial impact.
Insurance in Germany
Insurances play an important role in your financial wellbeing, as they provide financial security for you and your loved ones when it matters most. The large amount of different insurances in Germany confuses you? We will bring clarity to what you really need.
Best Life Insurance In Germany – Comprehensive Guide
Life insurance is a critical financial product that offers protection and security for you in Germany. In this guide, we will explore the various types of life insurance available. 👍🏼
Best Legal Insurance in Germany: Comprehensive Coverage and Cost Analysis
Discover the best legal insurance in Germany to protect your rights and finances. Learn about coverage details, and important considerations to get the best one.
Important insurances in Germany
Interview with Julian Hennig (Head of Insurance - Feather) about the structure and future of German health insurance and important insurances in Germany.
Best Household Insurance In Germany
German household insurance will protect your household items against damages like fire, tap water, storm, or burglary. Find the best household insurance in Germany here.
Insurance in Germany
Insurances play an important role in your financial wellbeing, as they provide financial security for you and your loved ones when it matters most. The large amount of different insurances in Germany confuses you? We will bring clarity to what you really need.
Best Life Insurance In Germany – Comprehensive Guide
Life insurance is a critical financial product that offers protection and security for you in Germany. In this guide, we will explore the various types of life insurance available. 👍🏼
How You Benefit From Working With PerFinEx
PerFinEx GmbH is registered as an independent financial advisor in all fields of personal finance: insurance, investments, and loans according to § 34 German trade regulations (Gewerbeordnung) & supervised by the German Chamber of Commerce and Industry (IHK).
Independent Advice
We are an independent financial advisor working with hundreds of different banks, insurance & pension companies.
No Additional Costs
We are paid in commissions that the German government regulates. Working with us comes at no extra cost for you.
Licensed & Regulated
We are licensed in all 3 different fields of personal finance and compliant with German financial laws & regulations.
Pension in Germany
Germany’s diverse pension schemes will help you secure income throughout your entire life so you can enjoy your well-deserved retirement – even if you decide not to retire in Germany. You can even save some taxes with German pensions!
Secure Your Millionaire Retirement: Discover Your Monthly Investment
Do you want to be a millionaire in retirement? 🤑 Discover strategies for financial independence, from saving smartly in your twenties to investing wisely in your forties.
Broker vs Pension: Which One Should YOU Invest
When weighing broker versus pension for ETF investments, consider your timeline; pensions excel for long-term strategies while brokers for mid-term strategies.
Financial Independence Retire Early (FIRE) in Germany
Financial independence is within reach with disciplined planning and perseverance. Learn how to navigate the journey to financial independence retire early (FIRE). 🔥
German IRA: Your Ultimate Guide to Retirement Planning
German IRAs offer unparalleled inclusivity—accessible to all, aligning pensions with unique financial goals, irrespective of income limits. 🤑
Pension in Germany
Germany’s diverse pension schemes will help you secure income throughout your entire life so you can enjoy your well-deserved retirement – even if you decide not to retire in Germany. You can even save some taxes with German pensions!
Secure Your Millionaire Retirement: Discover Your Monthly Investment
Do you want to be a millionaire in retirement? 🤑 Discover strategies for financial independence, from saving smartly in your twenties to investing wisely in your forties.
Investing in Germany
Do you want your money to work for you instead of the other way round? Investing in Germany will set you up for financial success & the right investment strategy will help you achieve your financial goals despite 0% interest rate.
How to Make Your Child a Millionaire
Learn how to turn just €62/month into a million for your child using smart investments, government subsidies, and tax strategies to make your child a millionaire! 💰👶
What Are The BEST ETFs To Invest In?
Choosing the right ETFs can safeguard your investments from significant losses while maximizing gains. Discover the best strategies for stable, long-term returns! 📈
Secure Your Millionaire Retirement: Discover Your Monthly Investment Plan
Do you want to be a millionaire in retirement? 🤑 Discover strategies for financial independence, from saving smartly in your twenties to investing wisely in your forties.
The BEST Investment in Germany
This article explores the question if there is a best investment in Germany, detailing the benefits, risks, and tax implications of various investment options 📈.
Investing in Germany
Do you want your money to work for you instead of the other way round? Investing in Germany will set you up for financial success & the right investment strategy will help you achieve your financial goals despite 0% interest rate.
How to Make Your Child a Millionaire
Learn how to turn just €62/month into a million for your child using smart investments, government subsidies, and tax strategies to make your child a millionaire! 💰👶
Learn More About PerFinEx On Social Media
Social media can be a valuable source of information when learning more about PerFinEx. By following our accounts, you can get helpful tips, news, and resources related to personal finance in Germany.
Real Estate in Germany
Owning a home is one of the biggest financial goals – so is passive rental income from investing in rental properties. Real estate (investing) can be a wonderful tool for financial success when approached in a clever and strategic way – especially with the leverage effect.
Can you REALLY Live From Passive Real Estate Income?
Real estate can generate passive income, but it requires careful planning and strategy. Choose between active and passive approaches based on your goals and resources. 🏡
How to buy real estate with 0€
Learn how to enter the real estate market with varying budgets, from 0€ to 1,000,000€, exploring strategies, financing options, and tax benefits in Germany 🏡.
7 Real Estate Tax Tricks For Germany – Maximizing your investment return
Discover seven essential real estate tax tricks for maximizing investments in Germany, ensuring profitability and navigating complex tax laws effectively 📈.
The BEST Investment in Germany
This article explores the question if there is a best investment in Germany, detailing the benefits, risks, and tax implications of various investment options 📈.
Real Estate in Germany
Owning a home is one of the biggest financial goals – so is passive rental income from investing in rental properties. Real estate (investing) can be a wonderful tool for financial success when approached in a clever and strategic way – especially with the leverage effect.
Can you REALLY Live From Passive Real Estate Income?
Real estate can generate passive income, but it requires careful planning and strategy. Choose between active and passive approaches based on your goals and resources. 🏡
Taxes in Germany
Germany has one of the highest tax rates in the world – which is bad news if you are working here. Good for you, that Germany also offers a lot of tricks to lower your tax bill in a completely legal way. You can save thousands of Euros every year!
Tax Class Reform In Germany 2024
Germany's 2024 tax reform eliminates tax classes three and five, impacting married couples. Learn how these changes could affect your financial strategy. 💼
German Tax Guide 2024
Filing your taxes in Germany will get you on average 1.095€ from Finanzamt. 🤑 In this German tax guide 2024, we will explain everything you need to file your taxes.
The German Tax Freedom Day 2023: A Financial Milestone
Have you ever wondered when your hard-earned money really belongs to you and not to the treasury? 🤔 Tax Freedom Day, reveals that very moment.
Avoid Taxes When Investing In Germany – Vorabpauschale
If you are investing in ETFs or mutual funds in Germany, you may have to pay capital gains taxes on profits this year, even if you did not make any profits. 😱 Why is this so and how to avoid taxes when investing in Germany.
Taxes in Germany
Germany has one of the highest tax rates in the world – which is bad news if you are working here. Good for you, that Germany also offers a lot of tricks to lower your tax bill in a completely legal way. You can save thousands of Euros every year!
Tax Class Reform In Germany 2024
Germany's 2024 tax reform eliminates tax classes three and five, impacting married couples. Learn how these changes could affect your financial strategy. 💼
Our Strong Network Of Partners
Benefit not only from our knowledge and experience but also from our professional partners with whom we work together.
FAQ about financial advisors
Would you like to check whether your question has already been answered? Our FAQ about financial advisors in Germany contains all the essential questions you might be interested in. If you have any further questions, simply write us a message below.
Is it worth using a financial advisor?
As long as you are not sure which insurance you need or how to provide for your old age, a free initial consultation is always useful. Here you can determine whether the consultation is about you or pushing you towards a product. Our recommendation is to only take out a product if you are really convinced of it.
What should I expect from a financial advisor?
You should expect a good financial advisor to provide independent advice based on your personal life situation. The goal should be to find insurance policies and investment products that you really need, want, and feel comfortable with.
What is the average fee for a financial advisor?
The average cost depends on the type of consultant. There are fee-based advisors, who are paid for the time of the consultation, and commission-based advisors. Commission-based advisors usually offer free advice. Our recommendation is to seek such a consultation. You will notice relatively quickly whether you are dealing with independent advice, or whether it is simply a matter of selling products.
What do financial advisors recommend?
A good financial advisor will listen carefully to your individual life situation, and based on that, decide exactly what makes sense for you. So there should be no specific recommendation that is universally valid. If there is a universally valid recommendation, it is not good, unbiased, independent advice.
What is a good rate for a financial advisor?
A good financial advisor does not necessarily have to cost anything. Independent financial advisors offer you a free consultation. Here it is important to pay attention to whether your interest is in the foreground, or the product of the advisor, since he is usually paid by a commission.
How do I choose a financial advisor
You choose a good financial advisor based on your personal judgment. Nevertheless, you can ask yourself a few questions in a conversation, such as, do you feel comfortable with the advice? Is enough time taken to answer your questions? Is the advisor competent and explains the products in an understandable way? Doesn’t try to pressure you into anything? Is the advice transparent?
Get in touch with us
Join our community by following us on our social media channels – or reach out to us by sending us a message.