Make smarter financial decisions in Germany from day one

We advise expats on private health insurance, taxes, and financial planning, helping you avoid costly mistakes and build long-term security.

Make smarter financial decisions in Germany from day one

We advise expats on private health insurance, taxes, and financial planning, helping you avoid costly mistakes and build long-term security.

Designed for Expats

Moving to Germany comes with complex decisions, especially when it comes to health insurance, taxes, and long-term financial planning. 

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.

Designed for Expats

Moving to Germany comes with complex decisions, especially when it comes to health insurance, taxes, and long-term financial planning. 

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.

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.

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.

Trusted expertise you can rely on

Supporting expats across Germany with proven experience and a strong professional network

0

Consultations per year

more than 25

Connected Experts

over 25 years

Experience in Health Insurance

over 500

Companies to select from

100%

Independent

15 +

Nationalities supported

Trusted expertise you can rely on

Supporting expats across Germany with proven experience and a strong professional network

0

Consultations per year

more than 25

Connected Experts

over 25 years

Experience in Health Insurance

over 500

Companies to select from

100%

Independent

15 +

Nationalities supported

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.

Financial Planning & Investments

Build a strategy that helps you grow and protect your wealth, aligned with your goals and lifestyle.

Taxes & Optimization

Reduce unnecessary tax burden with the right structure and access to trusted English-speaking tax advisors.

Real Estate & Financing

Access property opportunities and financing solutions, with expert support to make confident, well-structured decisions.

Trusted 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.

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.

Financial Planning & Investments

Build a strategy that helps you grow and protect your wealth, aligned with your goals and lifestyle.

Taxes & Optimization

Reduce unnecessary tax burden with the right structure and access to trusted English-speaking tax advisors.

Real Estate & Financing

Access property opportunities and financing solutions, with expert support to make confident, well-structured decisions.

Trusted 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.

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

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

Testimonials

Trusted by expats making important financial decisions in Germany

Lorenzo

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.

C. Everitt

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!

Naghmeh S.

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!

Swati R.

Competent and patient advice. Mr. Ruppel gave me very good advice and showed a lot of patience. I am happy to recommend him.

Testimonials

Trusted by expats making important financial decisions in Germany

Lorenzo

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.

C. Everitt (UK)

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!

Naghmeh S.

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!

Swati R.

Competent and patient advice. Mr. Ruppel gave me very good advice and showed a lot of patience. I am happy to recommend him.

FAQ

Clear answers to the most important questions expats have in Germany

Is private health insurance the right choice for me in Germany?

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Do I need to switch to private health insurance as a high-income expat?

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How do I know if my current setup is optimized?

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FAQ

Clear answers to the most important questions expats have in Germany

Is private health insurance the right choice for me in Germany?

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

Do I need to switch to private health insurance as a high-income expat?

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.

How do I know if my current setup is optimized?

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Take control of your financial setup in Germany

With structured, expert guidance designed for long-term efficiency and security

Take control of your financial setup in Germany

With structured, expert guidance designed for long-term efficiency and security