Good decisions in the right order
Most people in Germany know they should sort out their finances. The system is complicated, the language does not help and it is hard to know who to trust.
I help expats, academics and professionals get a clear picture of their finances. No jargon. No pressure. In plain English.
"Competent, honest, and patient. He takes plenty of time and explains even complex topics in a way that is easy to understand." — Kim T., Client
- Which insurance you actually need, and which you don't
- How to start investing with a clear, long-term plan
- Retirement planning that fits your real situation
- Cashflow, accounts, and tax-aware structure
- The right next step, not everything at once
Most expats make good decisions. Just in the wrong order.
They start investing before they have the right insurance. They pick a pension before understanding the tax system. They open accounts without a structure.
That is not their fault. It is a system that nobody explains properly.
That is exactly what I am here for.
Financial decisions that actually fit together
Financial Setup & Structure
Build the right foundation: account structure, cashflow system, and a clear overview of where your money goes and why.
Insurance with Context
Understand which insurance matters, what you can skip, and how the German system works, without the sales pressure.
Investing & Wealth Building
Start investing with clarity: portfolio construction, tax awareness, and a plan that fits your goals and timeline.
Real Estate & Financing
Navigate the path to buying property in Germany, from affordability checks to financing strategy.
Retirement Planning
Build a retirement plan that accounts for your specific situation, including the German pension system and tax-optimized options.
Cashflow & Account Structure
Set up a system where your money works for you, automatically, clearly, and without micromanagement.
From confusion to clarity in three steps
We look at your situation
In a first conversation, we map out where you are, what questions matter most, and what you have already done right.
We set the right priorities
Together, we identify what to do first, what can wait, and where wrong decisions tend to get expensive later.
We build your setup
You get a clear, practical financial structure aligned with your goals, your life in Germany, and the things that actually matter.
Living in Germany
A Practical Guide for Expats
New to Germany? Start here.
A practical guide to the topics that feel confusing when you first arrive, from financial basics and insurance to bureaucracy and everyday life.
- How the financial system works in Germany
- Insurance explained without the jargon
- Bureaucracy, registration, and key processes
- Practical advice for your first year and beyond
Trusted by clients across Germany
"Customer for almost a year now and really happy with the service so far. His suggestions are always intended to support you in what's your focus right now."
"Competent, honest, and patient. He takes plenty of time for consultations and explains even complex topics in a simple way that's easy for beginners to understand."
"He helped me a lot in understanding the good and bad side of stocks, investing as well as insurances. And he speaks English very well — so no problem at all!"
Hi, I'm Jonas.
I noticed early on that most people do not make bad decisions. They make good decisions in the wrong order because nobody showed them the full picture.
Since 2019 I have worked with doctors, engineers, researchers and international professionals across Germany. I advise in English and German and I take as much time as it takes. Sometimes that means explaining the same thing five times. That is fine.
My job is not to sell you something. It is to make sure you understand what you are deciding and why.
Let's Talk →Not ready to talk yet? Start with the free guide.
Get a practical checklist that helps you understand the right order of financial decisions in Germany. No pressure, no commitment.
Common questions
Yes. I work with clients in both English and German. Most of my expat clients prefer English. That is completely fine.
Yes. The first conversation is about creating clarity. Understanding your situation, your priorities, and what actually matters. No cost, no pressure.
No. I also work with students, academics and professionals in Germany more broadly. But expats are one of my main focus groups because they face a unique set of challenges.
If you want personal guidance, book a conversation. If you prefer to learn first, start with the free guide or the book. There is no wrong starting point.
Not necessarily. The content is also useful if you are preparing for a move or planning your next steps from abroad.