Financial planning for expats in Germany
Your wealth deserves more than standard financial advice.
Financial planning and wealth strategies for international professionals and executives in Germany. Health insurance, taxes, investments and real estate, brought together in one strategy.
Regulated advice you can verify
Michael Ruppel holds all three licences under the German Trade Regulation Act and is listed in the official DIHK broker register. Check the register
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Insurance brokerReg. no. D-1NY3-SHURH-53
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Investment intermediaryReg. no. D-F-155-11R2-59
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Mortgage intermediaryReg. no. D-W-155-687Y-73
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Free broker500+ product partners, no insurer ties
Clarity, structure and confidence from the start
We provide clear, structured guidance so you can make the right financial decisions from the start, and build a setup that works long-term.
As a financial advisor for expats in Germany, we understand how complex these decisions can be, especially when it comes to health insurance, taxes, and long-term financial planning.
- ?Unsure whether private or public insurance is right for you
- ?Conflicting advice from different sources
- ?Decisions that feel rushed during relocation
- ?Concern about long-term financial impact
Note: We are not the right fit for basic or short-term insurance needs. Our expertise is tailored for those seeking comprehensive, long-term financial planning.
Core areas we support you with
Focused expertise for expats making complex financial decisions in Germany.
Private Health Insurance (PKV)
Expert guidance to choose the right private health insurance, tailored to your income, career path, and long-term plans.
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Financial Planning & Investments
Build a strategy that helps you grow and protect your wealth, aligned with your goals and lifestyle.
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Taxes & Optimization
Reduce unnecessary tax burden with the right structure and access to trusted English-speaking tax advisors.
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Real Estate & Financing
Access property opportunities and financing solutions, with expert support to make confident, well-structured decisions.
Learn moreTrusted Financial Advice for Expats in Germany, Powered by DeFiVo and BVLG
Our expert network, in collaboration with DeFiVo and BVLG, provides personalized financial advice for expats in Germany. From tax planning and legal support to business consulting and insurance guidance, we connect you with professionals who understand the unique challenges of living and working abroad.
One strategy. Everything connected.
Instead of single standard products, we build one connected financial strategy. Insurance, taxes, investments and property affect each other, so we plan them together and bring in specialists where needed.
Health insurance
Your choice between public and private insurance affects your taxable income, retirement costs and how your family is protected, for decades.
A long-term strategy for an expat couple
Anonymized model case. Figures are based on the individual situation of this client and are not a promise of results. Tax effects depend on personal circumstances and current law.
“Trust is earned through clear guidance and long-term results, not product-driven advice.”
Michael Ruppel helps expats bring structure, clarity and confidence to their financial decisions in Germany. He is based in Würzburg and advises clients all over Germany, in German and English.
- 20 years of experience
- Specialist in private health insurance (PKV)
- Free broker, not tied to any insurer
- Combines insurance and investment strategies
A clear and simple process
From your current situation to a structured financial setup in three steps.
Initial free consultation
Understand your current situation, goals and priorities
Needs assessment
Evaluate your insurance, tax and financial planning needs
Personalized strategy
Build an optimized setup to reduce costs and support long-term goals
Trusted by expats making important financial decisions in Germany
Michael is an outstanding finance advisor. His expertise in health and legal insurance was perfectly suited to my needs, as well as his valuable investment guidance. Working with him was effortless and highly professional.
Michael is really insightful. I appreciate his support my time in Germany. It is great to have him in my corner to navigate admin and bureaucracy within finance and insurance. Thank you!
Super advice! Michael gave me the best advice despite my difficult initial situation. He is always positive and friendly and still manages to be factual and super competent – thank you very much!
Competent and patient advice. Mr. Ruppel gave me very good advice and showed a lot of patience. I am happy to recommend him.
Is health insurance mandatory?
Yes. Every resident in Germany must maintain valid health insurance coverage.
Can employees switch to private insurance?
Employees generally become eligible once their annual income exceeds the mandatory insurance threshold.
Do expats need to file taxes in Germany?
Often yes. Many employees and expats receive tax refunds after filing because excess tax may have been withheld during the year.
Take control of your financial setup in Germany
With structured, expert guidance designed for long-term efficiency and security.
