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Financial Advice for Expats in Germany
Clear Strategies for International Wealth
Are you an expat in Germany with significant assets – and the feeling that the financial system here is unnecessarily complex?
You are right.
Germany is one of the most complicated jurisdictions globally when it comes to investing and taxation.
Many expats are not told:
- How they can reduce income taxes and capital gains taxes.
- How they can reduce the cost of investing to build more wealth.
- How they can structure their international investments efficiently across borders.
The result?
Even successful professionals and experienced investors leave a lot of money on the table.
A Different Type of Financial Advice
Honorarfinanz Hamburg advises international clients who want clarity, structure and control over their wealth.
- We are fee-only advisors.
- Our focus is not on selling products.
- We focus on solving complex financial problems.
Specifically:
- Tax-efficient investing under German regulations
- Repatriation of international assets to Germany
- Structured portfolios using equities, bonds and ETFs
- Long-term wealth preservation and growth
- Strategies for US-Citizens and Dual Nationals living in Germany
Why Most Financial Advice in Germany Fails
The majority of financial advice in Germany is not client-centric.
Unlike most advisors in the United States or the United Kingdom over 99 % of financial professionals in Germany work on a commission basis. They are being paid by insurance companies or fund managers to sell their products. Costs are often intransparent and/or hidden.
This creates a structural conflict of interest. Advice cannot be truly independent.
- Expensive products are prioritised
- Costs are often hidden
- Your long-term returns suffer
Honorarfinanz Hamburg operates under a fundamentally different model.
We are one of the very few true fee-only financial advisors in Germany.
- We do not accept commissions
- We do not sell financial products
- We work exclusively in our clients’ interests.
International Experience You Can Rely On – About Achim Teske
Before founding my own advisory firm, I spent over 16 years working for global investment banks in London and Singapore.
Most recently, I was a Managing Director at Barclays Investment Bank, leading the Portfolio Management team for the Asia-Pacific region.
Since 2017 I advise high net worth individuals on how to build and preserve wealth.
Who This Is For
My international clients are typically:
- senior executives, entrepreneurs and professionals
- investors with at least 500,000 euros of investable assets (often significantly more)
They value:
- clear, independent advice
- tax efficiency
- long-term thinking over short-term noise
What You Get
- A clear assessment of your current situation
- Identification of costly inefficiencies
- A structured investment approach tailored to Germany
- Guidance on cross-border and tax-related challenges
Start with a first conversation by booking a call
Your first step towards receiving truly independent advice is your free introductory call. In this conversation, we will clarify:
- whether and how I can help you
- whether your situation benefits from professional advice
- what a potential collaboration could look like