Our Services

Our core expertise?
High-skilled multilingual financial planning for expats living in Germany.

  • personalized consultation services – in person or digital
  • providing financial education through multilingual events

Change the market with us:

  • B2B partnership for your community
  • join our team

Financial Planning

Digital, holistic and multilingual financial consulting is a must-have for Expats coming to and/or living in Germany. Make the most out of your money today and tomorrow!

For company owners and HR personnel - we help you provide company pension and health care for your team.

Join our Team and change the market with us!

Your journey with us

1. Reach out

Leave us a request and the language of your choice. Tell us how we can be of help and what areas of financial planning you wish assistance with. We will reach out to you to schedule an introductory session.

2. Introductory Session

The goal of the meeting is for you to evaluate what value we can offer to your planning, and for us to see if we would be a good fit in long-term planning. We set your personal goals and an implementation timeline as well as how we want to work with each other.

3. Analysis

You can sit back and relax. Here's what happens in the background: our team of experts analyzes your individual situation qualitatively and quantitatively - to offer you the best possible solutions to get you to where you want to be, maximize your assets, and prevent any risks.

4. Roadmap Presentation

Next time we sit together we will walk you through our professional recommendations to craft and improve your financial plan. We decide together on what pieces of the roadmap suit you best as well as its implementation based on your personal needs and timeline.

5. Implementation

We implement the options of your choice and keep paperwork to a minimum. Completely digital and hassle-free.Congrats, you're officially a client!

6. Service and Optimization

Financial planning is dynamic. We sit together regularly to update your roadmap and accompany you through different life stages as well as make you aware of any relevant changes on the macroenvironment that could affect your planning. We're in it for the long run.

What is financial planning?

RETIREMENT PLANNING

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INHERITANCE & ESTATE

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PORTFOLIO OPTIMIZATION

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INVESTMENT & WEALTH MANAGEMENT

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BASIC INSURANCES

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CORPORATE SOLUTIONS

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REAL ESTATE & RENTAL PROPERTIES

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FINANCIAL PLANNING FOR FAMILIES

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PARTNERSHIPS

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online workshops • live events • meet and greets • IG lives • investment & wine • podcast • YouTube series • collaborations • networking event • brunch & planning • key-note presentation • online meetups •

• podcast • YouTube series • collaborations • networking event • brunch & planning • key-note presentation • online meetups

Events

Getting to know and being part of our community

Our teams offer a myriad of online events as well as live events for networking and educational purposes all across Germany. Follow us on Eventbrite and LinkedIn to stay up to date!

online workshops • live events • meet and greets • IG lives • investment & wine • podcast • YouTube series • collaborations • networking event • brunch & planning • key-note presentation • online meetups •

• podcast • YouTube series • collaborations • networking event • brunch & planning • key-note presentation • online meetups

FAQ

Quite simple. You reach out to us and we set up an appointment for us to get to know each other and find out if a collaboration makes sense for both sides. Should we decide to work together, the next step is to tailor your individual solutions to get you to where you want to be. Digital or in person, we make recommendations and you call the shots – guaranteeing a hassle-free and high-returns process.

If you are an expat either relocating to Germany or living in Germany – then we can help you. Send us a request and we can take it from there.

Financial advice and fiscal advice are two sides of the same coin, but they are uniquely regulated professions. In the same way a tax advisor cannot provide financial advice, we cannot assist you with your taxes. Our clients, however, have exclusive access to our partnerships with tax advisors Germany-wide.

For non-community members, creating a financial plan has a one-time cost of 95€. There are no additional costs on-top for implementing the financial instruments of your choice, as this is legally regulated. Want to know more? Book an initial consultation – we’re happy to look at your individual situation.

HORBACH GmbH was founded in 1983 under the premise that every person deserves economic protection and financial freedom. The company is Germany’s market-leading financial planning service with over 1k self-employed consultants all across the country catering to German academics and students. In Munich HORBACH Expats three co-founders decided that as expats themselves they wanted to change the market for further expats in the market. Backed by the experience and resources of Germany’s market leader in financial planning, HORBACH Expats is the company’s fastest-growing consultancy area. We provide multilingual financial planning focused on the financial needs of expats. 

Here you can visit the German site.

Here’s how you can join us in changing the market

Over 10k investment funds, 500+ banks and credit institutions, +100 insurance providers, Additionally we have a broad portfolio of rental properties and alternative investments. Our expertise helps us make an educated recommendation for your individual situation, everytime, in every field.

Same financial instruments as for Germans. The question is not what can you invest in but what suits your individual situation – including your residence permit status, the agreements between the countries of your nationalities and Germany, your sustainability preferences, your beliefs etc. It’s a tailored approach.

absolutely. As expats consultants we specialize in geographically-flexible solutions. Start planning here.

Yes 🙂 We’re familiar with navigating through the unique challenges of being a US American in Germany. If you are an American you should definitely receive professional advice for your portfolio and wealth management. Leave us a request here.

No. We can however approach your investments holistically and create a portfolio for you without the need to trade your money for you.

There are four basic ones (workforce, private liability, health & nursing care, pension) that are must-haves for every person living in Germany. These are the areas where statutory insurance is by far not sufficient. Depending on our individual situation additional insurances are either compulsory or strongly recommended. Missing any? Send us a consultancy request.