Independent Fee-Only Advisor in Munich | Financial Planner
Genuine fee-only advice instead of product sales.
Gain financial clarity and a worry-free retirement – in-person in Munich or online.
Common challenges my clients face
"Will we be able to maintain our standard of living in retirement?"
"Can I retire early?"
"We need a clear plan and structure for our finances."
"Are my financial products worth it?"
"I'm looking for a smart investment strategy."
"I don't know what to do with my inheritance."
"I'm considering buying a property... does that make sense for me?"
Do you have similar questions and want neutral answers? I’m one of the few true fee-only advisors and represent your interests 100%.
Independent, fee-only financial planning
Why financial planning?
A secure future starts with a smart strategy, not just financial products.
We combine clear analysis with your values and goals to create a plan that feels right and gets you where you want to be.
The result: a sense of security, balance, and peace of mind about your financial future.
Why fee-only?
True independence in financial advice can only be achieved on a fee-only basis.
No sales pressure, just your interests first and complete transparency about costs.
And if financial products are needed, they’re arranged 100% commission-free, so you receive unbiased guidance and cost-efficient solutions.
Advisory services
Retirement planning
Get a clear plan for a comfortable retirement.
Know exactly where you stand, balance security with growth, and build the wealth you need for the future.
Enjoy your retirement with confidence and the assurance your family is protected.
Investment
Your investments should give you confidence and peace of mind.
I help you achieve the right mix of growth and security, backed by proven capital market research.
You decide whether to manage your portfolio yourself or let me handle it with a cost-efficient ETF-based approach.
Financial planning
In financial planning, we take a holistic view of your life.
Our 360° analysis shows where you stand and how to position yourself for the best results.
We connect the numbers with your goals to enhance your quality of life, and secure your family’s future.
Why I am a fee-only financial planner
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I believe in a financial world that is fair and transparent. That is why I am a strictly fee-only fiduciary advisor – 100% free of commissions.
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I started my career over 15 years ago in traditional commission-based sales firm in Munich. During that time, I learned a great deal — about the financial industry, its misguided incentives, and about myself. I discovered how I truly want to work: as an independent, fee-only financial advisor in Munich, always in the best interest of my clients.
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Today, my clients benefit from these experiences. I help them make smart financial decisions and get the most out of their financial opportunities.
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I am a strong advocate of holistic financial planning and have been accredited as a Certified Financial Planner (CFP®) since 2015.
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I enjoy spending my free time with my family or relaxing by going for a run in the English Garden or at Starnberger See.
Advisory process
1. Book a meeting
Book a free initial consultation through my online calendar.
4. Advisory
Online or at my Munich office: Following analysis and consultation, you receive clear recommendations.
2. Initial Consultation
Online or at my Munich office: We meet to see if working together makes sense.
5. Implementation
Optional: Need help implementing your strategy? I’m happy to assist, completely commission-free.
3. Offer
You receive a written offer, giving you complete cost transparency.
6. Ongoing support
Optional: Ongoing support provides regular updates to your financial plan and proactive guidance in everyday matters.
FAQs
What exactly is "fee-only" advice? Fee-only advice is the most transparent form of financial planning. As a fee-only advisor, I am paid exclusively by you, the client. I do not receive any commissions or "kickbacks" from banks, insurance companies, or fund providers. This guarantees that my recommendations are 100% independent, objective, and solely in your best interest, free from any conflicts of interest.
How much does the advice cost? The fee depends on the complexity of your situation and the scope of the advice required. Instead of hidden fees wrapped in products, I charge a transparent fee based on the actual value and effort provided. Important to know: The cost of advice is almost always lower than the hidden costs of commission-based products over time. By optimizing your strategy and avoiding expensive products, you typically save multiples of the advisory fee in the long run. You will always receive a written quote before we start, no surprises.
Who is fee-only advice suitable for? It is ideal for anyone seeking independent, transparent financial planning tailored to their life goals. It is particularly valuable for expats and professionals who want to structure their retirement planning in Germany, invest a lump sum, or need a clear strategy for their assets. Whether you are an employee, freelancer, or business owner: if you want a strategy that belongs to you and not a bank, you are in the right place.
Fee-Only Advisor vs. Commission Agent - What’s the difference? The difference lies in who they work for. A commission agent (e.g., at a bank) is paid by selling you a product. If they don't sell, they don't get paid. Their "advice" is often a sales pitch. A fee-only advisor (like me) works exclusively for you. I am legally prohibited from accepting commissions. My only goal is to improve your financial wellbeing. I can recommend the best solution, even if it means buying no product at all.
Do you really receive ZERO money from product providers? Yes, absolutely zero. As a registered "Honorar-Finanzanlagenberater" (according to §34h GewO) and Insurance Consultant (§34d GewO), I am legally prohibited from accepting any third-party payments. This is strictly monitored and audited annually by an independent auditor. You can trust that my loyalty lies 100% with you.
Where does the consultation take place? I am flexible. Over 80% of my consultations now take place conveniently online via video call (Zoom/Teams), which is perfect for busy professionals. However, if you prefer a personal meeting, I would be happy to welcome you to my office in Munich (Neuhausen/Nymphenburg).
What does the CFP® title mean? The Certified Financial Planner (CFP®) designation is the global "gold standard" for financial planners. It represents the highest level of professional competence, ethical integrity, and holistic advisory standards. To hold this title, I completed postgraduate studies at the Frankfurt School of Finance & Management and must adhere to strict ethical guidelines. For you, this means: advice based on the highest international quality standards.
Are advisory fees tax-deductible in Germany? That depends on your specific case. For private individuals, fees for investment advice are generally not tax-deductible under current German law. However, fees related to business assets or specific pension plans (like Rürup) might be. Please consult your tax advisor for a binding statement regarding your situation.