PerFinEx Is 3. Place of the young Broker award 2023

PerFinEx is the #1 English-speaking & independent financial planner in Germany. We bring you the financial advice you want, need & deserve.

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.

PerFinEx GmbH
5.0
Based on 66 reviews
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Maris WintersMaris Winters
12:58 10 Apr 24
Axel is clear, communicative, helpful and prompt. I've really appreciated his help and am glad to be working with him.
Hesham Kamal EldinHesham Kamal Eldin
00:17 23 Mar 24
I have recently signed my new pension contract with the aid of Axel from PerFinEx. My first impression is very positive. Axel helped me with his experience to find the right program for me in a smooth and professional way. I highly recommend PerFinEx to anyone who wants honest and experienced support for financial planning.
Nhu Viet NguyenNhu Viet Nguyen
11:00 14 Mar 24
Very polite and supportive team!
Veronica JonssonVeronica Jonsson
12:49 02 Mar 24
Starting to invest in ETFs has felt very overwhelming, but not anymore! PerFinEx helped me start my pension savings in just a week (which would've taken me months of research, confusion and stress otherwise). Thank you, Axel, for the excellent guidance. I can recommend anyone trying to get a better grip on their finances to set up a meeting PerFinEx!
emrah can çetinkayaemrah can çetinkaya
07:34 26 Feb 24
As a newcomer to Germany, I can say that PerFinEx has been really helpful in clarifying my questions on various topics.
Ana P SantosAna P Santos
11:33 30 Jan 24
The PerFinEx videos were very useful for my research on what pension fund to invest in. I made an appointment with PreFinEx after watching the videos and making copious notes. Axle clearly explained the different pension levels to me and helped me make an informed decision as to where I could safely and wisely invest my money. Would definitely recommend PerFinEx services when planning your future.
KIVANÇ KARAOĞLANKIVANÇ KARAOĞLAN
09:46 30 Oct 23
I feel so lucky to have the chance to work with PerFinEx and Axel. PerFinEx, under the leadership of Axel, has a comprehensive knowledge of the health insurance system in Germany. He first tries to understand and identify your expectations and requirements then he finds the best way for you during the transition from public to private insurance. They are doing a great job providing valuable information to all the expat- non-German speaking community. Now I am asking myself why I lost that much time. I should have contacted Axel a long time ago. It is also great to feel that they will be always there to help you anytime you need. I would strongly recommend this company to work with. Please note that they have also other services such as pension systems, financial investments, real estate, etc.
Mohit SoodMohit Sood
21:07 02 Oct 23
I had two meetings with Axel. Everything was very smooth. He helped me shortlist couple of Health insurances. I had multiple queries before and after the meeting, Axel was very clear in his answers and patient with me throughout the process. It was a nice experience for me. I would definitely recommend their services.
Parth Sarthi PandeyParth Sarthi Pandey
14:50 07 Dec 22
It was wonderful working with PerFinEx. You get clear and honest advice and I had one of the most smooth experiences of buying any policy in Germany.
I've had a few calls with the folks from PerFinEx. I quickly built trust and started using their services. They present themselves as a key partner for your finances, specially when you are not from Germany.I'm looking forward to building a lasting business relationship with them. It's been such a great start.
Rajwinder SinghRajwinder Singh
16:28 12 Aug 22
Best Financial advisor for Expats! I am happy to collaborate you. Thanks for advising on how to maximize my financial gains. 🙂 I would totally recommend PerFinex to anybody looking to maximize their earnings.
Satwik ShenoySatwik Shenoy
09:55 20 Jun 22
PerFinEx for expats in Germany is a legit one-stop shop for all your insurance needs and financial planning. They managed to solve all my insurance problems in Germany in no time and their YouTube videos are super informative.Axel and Pascal were a pleasure to work with. I'd highly recommend you talk to them. Even if you already have your insurances, you could revisit your current situation and work on making them better and more efficient. The way he speaks clearly shows he is here to help.Wishing you all the very best and keep those videos coming!
Luis Alfonzo GonzálezLuis Alfonzo González
20:52 15 Mar 22
I first got in touch with Axel through his YouTube channel, then we arranged a meeting and he was super helpful and explained everything to me. I really value his patience and work ethic. I can recommend him for all expats living in Germany!
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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.

Expat health insurance
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. 🤒

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.

Expat health insurance
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. 🤒

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.

Feather got interviewed by PerFinEx
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.

Find the best possible household insurance 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.

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!

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!

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.

Investment in Germany
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.

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.

How to buy real estate
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 🏡.

Investment in Germany
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.

How to buy real estate
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 🏡.

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!

German Tax Guide 2024
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.

Avoid Taxes When Investing In Germany - Vorabpauschale
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.

German Tax Guide in 2023
Ultimate German Tax Guide 2023

Filing your taxes in Germany will get you on average 1.072€ from Finanzamt. 🤑 In this ultimate German tax guide 2023, we will explain everything you need to file your taxes.

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!

German Tax Guide 2024
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.

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.

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