Holistic solutions

Customized products that match you and your needs

Thanks to our multi-sector product diversity, we are able to offer you solutions that are a perfect fit and offer first-class value for money. You benefit from needs-based concepts for your financial security and wealth creation.
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What are your wishes and goals?

Get an initial overview

Everyone has their own dreams, hopes and goals. We help you to put your wishes into practice and to achieve financial goals. Which of the listed wishes and goals are important to you?

Benefit from state subsidies and save taxes
Home ownership
Children's education and training
Retirement planning
Wealth protection
Wealth creation and banking
Healthcare and risk precaution
For the young folks
Increase income
A solution that suits you

Our results

Every customer is different: here you will find just a initial overview of the wide range of possibilities. Together, we will develop a tailor-made concept. This gives you the certainty that your individual contracts are coordinated and that you are not giving away any money.
State subsidies & Tax savings
Home ownership
Children's education and training
Retirement planning
Wealth protection
Wealth creation and banking
Healthcare and risk precaution
For the young folks
Increase income
State subsidies & Tax savings

State subsidies & Tax savings

A key component of our consulting services is the consideration of government subsidies and possible tax savings. Especially in times of low interest rates, it is more important than ever to take advantage of such benefits as a quasi substitute for interest. We show you how. Did you know, for example, that you can use expenses for private long-term care insurance as special tax-reducing expenses? Let's talk about your options.

Basisrente (also known as Rürup pension): benefit from tax advantages

With the tax-subsidized basic pension (Basisrente), all taxpayers can secure their returns extra for old-age provision. For 2021, you can already claim 92 percent of your contributions against tax, and for 2022, the figure is 94 percent. By 2025, the subsidized portion will increase by 2 percentage points each year to 100 percent. You can reinvest the tax savings to build up additional flexible capital for your pension.

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Vermögenswirksame Leistungen (VL): Cash gift from the employer and the state

Have you already found out whether you are entitled to capital formation benefits (VL) from your employer? If so, you can receive up to an additional 40 euros per month to build up your assets. We will be happy to help you choose the right form of investment to suit your goals.
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betriebliche Altersvorge (bAV): Save taxes and social security contributions

Since 2002, every employee has had a statutory right to deferred compensation as part of a company pension plan. In this case, your employer pays a portion of your gross salary directly into a pension scheme. This saves taxes and social security contributions, and at the same time you provide for your retirement.

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Secure your private nursing care insurance: Providing for the future

No one wants to become a long-term nursing care case and be dependent on outside help. But it is a fact that almost 40% of people need care at an advanced age - and many of them need it earlier. The statutory benefits are often insufficient. And if the person in need of care is unable to pay for their own care, their assets have to be exhausted and, if necessary, their children have to chip in. So take precautions in advance - we'll show you how.
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Home ownership

Home ownership

Finally living in your own home! At the latest when you start your own family, this dream becomes very important for many people. The current low-interest phase offers the best conditions for your project - and you should not miss out on the government subsidies. Build lasting wealth instead of paying rent month after month.

Building savings: Make your housing dreams come true

Whether you're planning to build or buy a house or modernize your own home: With building savings, you lay the financial foundation for realizing your housing dreams and remain flexible. Build up your own capital in a targeted manner and secure your entitlement to a home savings loan: at a guaranteed interest rate, independent of interest rate changes on the capital market.
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FingerHaus: Move in and start living

Do you also dream of building a house according to your ideas and wishes? Welcome to FingerHaus, because here every house is unique. FingerHaus stands for excellent quality, diverse house concepts and everything from one source.
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WohnRiester: use state funds for your own property

If you want to live in your own condominium, freehold apartment or house, you can receive state support for the construction or follow-up financing in the form of the Riester subsidy.

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Children's education and training

Children's education and training

The future belongs to our children. The education and training of your children is the cornerstone for a solid path in life. However, the costs for this can be immense. We will show you various strategies for preparing the financing at an early stage. That way, you'll be flexible later and won't have to do without anything.

My plan for the future: Safeguarding your children

Children can very easily miss school or training for a long time due to illness or accidents. With the My Future Plan system (Mein Zukunftsplan), you not only protect your children against incapacity to attend school, disability, occupational disability or need for long-term care, but you can also build up capital for the start of their adult life. With up to nine early payouts, you can then help your child finance their driver's license, training or studies, and first apartment furnishings.

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The Junge Konto by Deutsche Bank

Deutsche Bank's free account is ideal for schoolchildren, trainees or students up to the age of 30. Includes Facebook service, banking app and interest on credit balances.
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Retirement planning

Retirement planning

Everyone wants to retire without financial worries. But this wish will only come true if you do something about it. You won't be able to maintain your standard of living with the state pension alone - so take precautions now and find out more about your options. Take advantage of state subsidies and save on taxes if necessary. We will be happy to explain to you how you can make smart plans and enjoy your retirement.

All types of state-subsidized retirement plans:

Basisrente (also known as Rürup pension): benefit from increasing subsidies.

With the tax-subsidized Basisrente, all taxpayers can secure their additional return for retirement planning. For 2021, you can already claim 92 percent of your contributions for tax purposes, and for 2022 the figure is 94 percent. By 2025, the subsidized portion will increase by 2 percentage points each year to 100 percent. You can reinvest the tax savings to build up additional flexible capital for your pension.

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betriebliche Altersvorge (bAV): Company pension scheme in a classic win-win situation

Since 2002, every employee has had a statutory right to deferred compensation as part of a company pension plan. In this case, your employer pays a portion of your gross salary directly into a pension scheme. This saves taxes and social security contributions, and at the same time you provide for your retirement.

Discover more

Vermögenswirksame Leistungen (VL): Cash gift from the employer

Have you already found out whether you are entitled to capital formation benefits (VL) from your employer? If so, you can receive up to an additional 40 euros per month to build up your assets. We will be happy to help you choose the right form of investment to suit your goals.
Discover more

More solutions

Occupational disability insurance: safeguard the value of your work

The risk of occupational disability is often underestimated. Yet your earning power is your most valuable asset! Statistically, every fourth person becomes unable to work. Mental illnesses are among the most frequent causes. So it also affects supposedly non-hazardous occupational groups such as office workers. And only in the event that you really can no longer work at all - i.e. not even in a profession other than the one you learned - does the state offer a small amount of basic protection. With occupational disability insurance, you protect your income to cover ongoing costs such as supporting your family, paying for housing or your vehicle.

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Fund-linked insurance: high potential returns

The classic annuity insurance offers attractive returns from the currently valid guaranteed interest rate of 0.25 percent plus a surplus participation. However, savers can also choose unit-linked tariffs, which offer the chance of even higher returns thanks to participation in the capital market. Our product partner's innovative concepts offer both benefits in one solution. We help you analyze your personal goals and derive a coherent strategy from them.

Ask us about our:
  • Wealth & Security Plan (VASP) 
  • Wealth & Income plan (VEP)
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Life insurance: the attractive classic

The classic strategy for building up assets and safeguarding surviving dependents. You decide how much of your premiums and saved assets are invested in a security-oriented manner and how much in a return-oriented manner. This allows you to determine your own investment strategy and react flexibly to market situations at any time.
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Private pension insurance: flexible and secure retirement planning

Your life and your demands change. That's why a good private pension insurance is characterized above all by flexibility - in terms of premium payment, adjustment to changing life circumstances and payout. This means you can tailor your protection to your needs at any time - for a secure lifelong pension.

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Secure your private nursing care insurance: Providing for the future

No one wants to become a long-term nursing care case and be dependent on outside help. But it is a fact that almost 40% of people need care at an advanced age - and many of them need it earlier. The statutory benefits are often insufficient. And if the person in need of care is unable to pay for their own care, their assets have to be exhausted and, if necessary, their children have to chip in. So take precautions in advance - we'll show you how.
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Wealth protection

Wealth protection

Life is risk. And when Fortuna strikes, you need good, reliable help. So you can quickly and smoothly cope with a claim in your home, replace your valuables after a burglary and calmly await settlement after a car accident. We analyze your situation precisely, help you close the gaps in your coverage and stand by your side if worse comes to worst.

Coverage concepts: Your optimal all-round protection

An insurance product that includes everything you need to protect yourself and your assets - does that sound interesting to you? That's what the VERMÖGENSSICHERUNGSPOLICE offers you. Modules that complement each other perfectly and therefore fit you exactly. You can also benefit from attractive discounts.


New: Best performance guarantee

You find an insurer who offers better benefits? We offer you the same coverage! If you show us an insurer that offers a greater range of benefits, our product partner will provide the same coverage in the event of a claim as our competitor would, with a few exceptions. The Best Performance Guarantee is valid for 5 years - in the following modules: personal liability, household contents, household glass and residential buildings.
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Liability insurance - if you cause damage

Property damage or personal injury can quickly mean financial ruin for the person who causes it. Personal liability insurance is therefore a must in order to protect yourself from potentially high claims for damages by third parties. Experts and consumer protection agencies strongly recommend this.

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Household contents insurance - so that your possessions are covered

Whether it is a water leakage due to a broken pipe and the associated damage to your furniture or in the worst case even a burglary in which your personal belongings or valuables are stolen. For such damages there is the household insurance, which will compensate you for the financial loss.
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Glass insurance: a smashing idea

The Germans have a saying: "Scherben bringen Glück", or roughly: "shards bring good luck". But broken glass in your own household can quickly become expensive. So take precautions with glass insurance.

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Building insurance for your home

Is your home where your heart is? Then you should insure your home comprehensively against the most important risks with residential building insurance.
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Legal expenses insurance: this is how you get your rights

A dispute in court can quickly cost several thousand Euros. In such situations, it's good to have legal expenses insurance to protect you financially. Don't give up your right to justice just because you can't afford it.
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Car insurance: always safe on the road

For some people, their own car is like a permanent member of the family, with which everyone goes on vacation; for others, it is simply indispensable for getting to work or picking up the kids from school. That's why it's important to ensure that everything runs smoothly in the event of an accident or damage.

Protective cover: Help for all eventualities

If your vehicle unexpectedly gets into an accident or breaks down, a protection cover offers comprehensive services in addition to the motor vehicle insurance, from breakdown assistance to towing and return transport to the hospital.

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Travel insurance: enjoy your vacation

You cannot start a journey for important reasons or you lose your luggage? That is annoying and usually also expensive. With the right travel insurance, you can insure yourself and your fellow travelers, the trip and your luggage against these risks.

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First time travelling inbound Germany? Contact us for a solution. I've got a great tip for you!
Wealth creation and banking
This section coming soon (CW25/CW26) tap here for more information on our blog
Healthcare and risk precaution
This section coming soon (CW25/CW26) tap here for more information on our blog
For the young folks
This section coming soon (CW25/CW26) tap here for more information on our blog
Increase income
This section coming soon (CW25/CW26) tap here for more information on our blog