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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.
Secure a free online 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.
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.
Private Health Insurance Myths – Debunked
Unveil the reality of private health insurance in Germany. Explore cost-efficiency, family coverage, and retirement premiums. Make informed insurance choices. 🤔
Health Insurance in Retirement: Difference between Public & Private
Discover the truth about health insurance costs in retirement. Explore the stability of private health insurance, the challenges faced by public health insurance, and the benefits of seniority savings.
German Health Minister Hates Private Health Insurance: A Critical Analysis
Is private health insurance in Germany really as bad as the German Health Minister claims? 🤔 Explore the rising premiums, coverage options, and the political agenda behind these statements.
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.
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.
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!
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. 🤑
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.
401k In Germany: The Company Pension Or bAV
A 401k is a very popular pension plan in the USA. Do 401k pensions also exist in Germany? 🤔 A similar version of them in Germany is the company pension or bAV.
German Public Pension: What You Will Get When
If you work in Germany, you are paying 18,6% of your salary into the German public pension system – but what do you get out of this when you retire? 🤔 Let’s find out together in this article!
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!
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. 🤑
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.
Bitcoin ETF: To the Moon or New Crash?
For a comprehensive understanding of Bitcoin ETFs' impact and implications, delve into this insightful article exploring their historical significance and future prospects.
Invest Smart in Germany 2024: Top Market Trends Revealed 🚀
Discover the latest investment insights for 2024, from high-yield savings accounts to cryptocurrency and real estate, to help you navigate the financial landscape effectively.
Investment Taxation: A Comprehensive Guide in Germany
Navigate Germany's tax landscape with our investment ranking, from -42% to +42% taxes. Craft a tax-efficient strategy for optimal financial outcomes. Explore now! 📈
Is Investing (in Germany) Only for the Rich?
Unlocking Investment Opportunities in Germany: Debunking Myths" challenges common misconceptions, revealing how anyone can invest in real estate and more. 🤔
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.
Bitcoin ETF: To the Moon or New Crash?
For a comprehensive understanding of Bitcoin ETFs' impact and implications, delve into this insightful article exploring their historical significance and future prospects.
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.
Building Your Own Real Estate Company (GmbH) in Germany from Scratch
Embark on a strategic journey to establish your own Real Estate GmbH in Germany, optimizing tax benefits and ensuring lasting success in property investment. 🤑
The Property Buying Dilemma in Germany
In the world of real estate investment in Germany, the choice between small and big properties is a pivotal decision. 🤔 You can read more about this in this article.
Is Investing (in Germany) Only for the Rich?
Unlocking Investment Opportunities in Germany: Debunking Myths" challenges common misconceptions, revealing how anyone can invest in real estate and more. 🤔
Real Estate Financing: 11 Common Mortgage Mistakes
Are you looking to buy a property in Germany? If so, you definitely want to avoid these 11 common mortgage mistakes. 😱
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.
Building Your Own Real Estate Company (GmbH) in Germany from Scratch
Embark on a strategic journey to establish your own Real Estate GmbH in Germany, optimizing tax benefits and ensuring lasting success in property investment. 🤑
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!
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.
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.
Maximizing Tax Benefits for Working from Home in Germany
Maximizing Your Tax Benefits: A Comprehensive Guide to Leveraging Home Office Deductions When Working from Home 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!
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.
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
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