fbpx

Tax efficient Wealth Management made simple

Your Local German Solution

Our English speaking advisors will help you to find your best wealth management options for Germany. Get in touch with us to receive an unconditional consultation.

Fill out the form to arrange your free consultation now.

Our Services

As expats ourselves and with decades of experience, know the German expat market very well.

We are able to highlight and clarify the important areas of consideration when deciding how best to save for your future financial needs.

And most importantly, we have the licenses, products and experience to be able to clearly explain your options available then deliver the appropriate solutions from both a local and international perspective, taking our clients by the hand through each stage of the advice process.

Retirement Savings

Retirement Savings

Make best use of your expatriate advantage by saving efficient for the future, using a combination of international and locally tax-efficient solutions.

Pension Transfer

Pension Transfer

Pension freedom allows you to create better conditions for your accumulated retirement fund. Good advice is therefore essential to ensure the optimum strategy for a secure and comfortable financial future.

Internationle Investments

International Investment

Tax efficient international and local structures from leading financial institutions will ensure you get the best returns on your investment portfolio or bank deposit

Ready to plan your German Wealth Management solution?

Our specialists for pension, investments and savings will be happy to help!

Adriana Pensions Specialist

Adriana Gonzalez

Health Insurance & Pensions Specialist

Adriana is originally from Colombia. She moved to Germany in 2002 and has been in your shoes. She has been a valued member of the team since 2020.

Darren MW Pensions blau

Darren Tarrant

Pensions & Savings Specialist

Darren is one of the most experienced pensions and savings specialists for expats in the DACH region. He’s been in the field for more than 10 years now.

Anja Lampert Health Insurance & Pensions Specialist Pension Planning

Anja Lampert

Health Insurance & Pensions Specialist

Anja is our language talent: she advises fluently in German, English and Italian. She has been a valued member of the team since 2018.

FAQs

Each expat situation is unique and requires a bespoke and individual approach to planning, using the best local and international solutions available. A good place to start is right here! Take a look through the FAQ’s below to find out whether the services we can offer at MW Invest are right for your needs.

The German state pension scheme (Gesetzliche Rentenversicherung) is the cornerstone of pension planning in Germany.   pay for this increasing number of pensioners. The German government is actively encouraging its inhabitants towards private pension planning by a system of mostly tax subsidised, insurance-based solutions:

  • Multiple pension product solutions
  • Significant tax and subsidy benefits
  • Guaranteed return on investments available
  • Large and secure providers
  • All products regulated by the German authorities.
  • All advice covered by our Professional Indemnity Insurance

Unfortunately, very few expats realise that they can also take advantage of these benefits whilst living and working in Germany.

The average stay in Germany for expats is 8.5 years, many stay longer or even permanently. As such, it is very important that your adviser has the licensing and knowledge to be able to advise on both local (German) solutions as well as international investments and products. We often speak with expats that were only advised on international solutions by their current adviser, resulting in many missed years of tax benefits from the German system that would have made a significant difference to the final outcome. At MW Invest we have a different approach.

 

What sets MW invest apart from most international advisers is that we have both German and international licensing. Our advisers therefore have the knowledge and experience to be able to clearly explain the merits of both local and internationals solutions, offering truly holistic financial advice for expats resident in Germany. Once the expat is made fully aware of the features and benefits of each option, we then walk them through the steps of setting up their own bespoke plan.

MW Invest will provide personalized guidance and full explanation on how the German fiscal system can work in your favour. Wherever you are paying taxes it makes sense to fully understand what that tax system can do for you in return. Unfortunately, it is no easy task for the expat to find clear advice in Germany that encompasses both local and international solutions; this is where MW Invest can assist.

For example; an expat living in Germany earning 120,000 per year, married with a spouse, (+ other details as relevant) and looking to save EUR 1,000 each month for the future, would be eligible for at least EUR 350 every month in tax relief were the money to be invested in a tax-efficient German retirement savings product. The average expat in Germany stays for more than eight years, so over this period this particular expat will enjoy a total tax saving of EUR 34272. Compare this to saving the same amount from net (taxed) earnings and it is clear that the impact on the overall retirement plan is significant, especially when also taking into account compound growth on the accumulating capital.*

At MW Invest we especially understand the needs of the expat resident in Germany. The advice process factors in all important considerations such as household income, spouses and dependents, expected length of stay, possible future relocations, existing investments and appetite for risk, which enables us to provide a tailormade and tax-efficient solution for each and every client.

*The above figures showing taxation and benefit levels may vary depending on your personal situation and specific tax rates. For exact figures regarding your personal tax situation please contact your qualified German tax adviser

Our service fully continues once our expat client leaves Germany, whether this is to relocate to another place in the world or to return to their home country. Video calls for review meetings will continue to take place at the same frequency as when the expat was resident in Germany, and any changes, withdrawals or administrative matters can be easily handled online, wherever you are in the world.

 

The service support from international product providers is specifically geared for globally-mobile clients and with local German solutions we only work with large well-known financial institutions. All of this provides the peace of mind knowing that your money remains safe, regulated and in good hands, wherever you move to in the future, with MW Invest always on hand to guide and support you every step of the way.

Basically everyone. Whether you are an EU citizen, a US national or from outside of Europe, we are familiar with the challenges faced by expats of all nationalities and can offer a full financial planning service, looking at both local and international solutions as appropriate.

We mainly give advice in English, German, Spanish, Italian and Hindu.

The initial meeting always free of charge. Thereafter you will be fully informed of any charges relating to a product or fee before being presented with any actual costs. You adviser will make all possible fees clear at the initial consultation, no unpleasant surprises!

Contact us today for a free and confidential initial consultation. We can work with face to face meetings, although most client prefer using video calls (zoom, Teams, etc) for the initial discussion.

Ready to help you

Pension planning is a crucial part of your wealth management, and it’s never too early to start thinking about investing.
MW Expat Solution Services GmbH advisers provide sound advice taking into account all the different needs of our globally minded clients and have expertise in the German insurance market.
Our advisers will examine your long-term goals and guide you through all the options that could work for you, providing regular internal audits of all client portfolios, clarification on national and international decision implications concerning retirement planning and forewarning of eventual regulation changes.