Financial sovereigntyfor youyour wealthand your family
As an entrepreneur, self-employed professional or executive, benefit from a non-tied financial analysis that protects your wealth, secures your family and is guided solely by your goals. The foundation is the Finanzkraft System, which brings all relevant financial and protection areas together into one holistic framework.
- All financial and protection areas in one holistic system
- Your finances should fit you – not someone else
- Living with predictability instead of gut feeling
- Registered broker · §34d (1) GewO
- Chamber of Commerce Berlin
- Reg. no. D-J52R-FS3NN-44
- Fee-based advice (DMA)
- 120+ clients
- Advising since 2020
- Berlin · DACH-wide
- Personally by Harry Kraft
Newly self-employed
Health insurance, disability cover, reserves – the right order from day one.
Learn more →Private health insurance is getting pricier
Check tariff switch options and long-term contribution development.
Learn more →Retirement provision analysis
What do your existing contracts really deliver – and how big is your gap?
Learn more →Plan my retirement
Your retirement provision in concrete numbers instead of gut feeling.
Learn more →Not more products. More structure.
In around 85 % of my client meetings I see: the problem is rarely individual financial products – it is the missing overall plan.
From my advisory practice · observation from my client meetings
- The private health policy was signed years ago – and never reviewed since.
- Retirement savings run on autopilot, without a clear target.
- Insurances, investments and reserves grew piece by piece over the years.
The real risk rarely sits in a single decision – it sits in the fact that nobody keeps checking whether everything still works together today.
After working together …
- you have a clear overview of your financial strategy and options.
- you feel relief around money and protection.
- you know what happens in a worst case – for you, your family or your business.
- you know your retirement provision in concrete numbers.
- you don't have to rethink financial topics constantly and have a partner at eye level.
This is exactly where holistic financial planning begins.
The Finanzkraft System.
Not isolated products, but a coherent system. Four modules that are aligned – so protection, wealth, retirement and taxes pull in the same direction.
- Step 01
Analyse
We take an honest look at where you really stand.
- Step 02
Numbers & solution
We work out your individual key figures – you should know them before any recommendation is made. Then we recycle as much of the existing setup as possible (doctors would call it 'minimally invasive').
- Step 03
Implementation: digital & simple
We handle your plan fully digitally – no paperwork, just apps.
- Step 04
Ongoing support
I stay by your side – with an annual review and continuous guidance.
Good advice requires your cooperation. You will gather documents, answer questions and set aside a few hours. That is not effort – it's an investment in your future.
Harry William Kraft
Behind the Finanzkraft System there is no call center, but one person: I guide you through all four steps – from the first analysis to the annual review.
30 minutes · free · no obligation
are made in winter."
What held true during my time as a professional cyclist also holds in financial planning: results don't happen in the moment – they're built years in advance. The uncomfortable hours in January decide the race in July.
My job is to get you through that winter. Structure instead of haste. Right decisions instead of many decisions. A partner riding next to you – not selling behind you.
Two principles. Zero compromises.
Once you understand how I work, you understand why clients stay.
- № I
Unleashing financial power
You worked hard to get where you are. Your finances should work just as hard for you. Do they?
- № II
Unrestricted in product selection
Through a free broker collective, I have access as an unaffiliated broker to all companies and service providers in the market.
I don't work with everyone.
Truly professional advice only works when both sides want the same thing.
I work with
- Entrepreneurs who take responsibility
- Self-employed with high standards
- High-performing professionals
- People who think long term
I don't work with
- Product hunters
- Quick-buy shoppers
- "Cheapest tariff" seekers
- Traders chasing tips
Contracts out of the filing cabinet.
Every client gets the simplr app – contracts, claims, chat. All in one place.
- 📱
Your mobile insurance manager
Insurance doesn't need to be complicated. All your contracts in one place – free for my clients.
- ✍︎
Manage & at hand
Manage and edit your contracts whenever, wherever. Important documents always within reach.
- ✨
Simple. Smart. Simplr.
Smart tech, clear overview, direct line – no ballast.
Shared growth.
My business only works when yours does. A real win-win – out of principle and out of self-interest.
- № I
Referrals as business model
Because my business is built largely on referrals, I depend – purely out of self-interest – on delivering the best possible service. Otherwise I can't grow sustainably.
- № II
Lasting motivation
That keeps me constantly motivated to improve my service and add more value, so my model creates lasting win-win relationships. Meaning: even without my athletic ambition to be the best, you benefit from it
- № III
Viable even without a new contract
PS: Sometimes there is simply nothing to optimise. Even then I can take your existing contracts into my portfolio and receive an ongoing service commission from the providers. Which means: if everything already fits, nothing needs to be changed for the sake of it – I only recommend a change when it objectively benefits you.
What clients say, when I'm not listening.
No curated praise. Original voices from my clients – verbatim, with names and dates.
Harry is a very open and friendly person who leaves a positive impression. In the past I often had negative experiences with advisors who tried to push products on me without being asked. I'm glad to have found an honest advisor in Harry. He always analyses whether taking out an insurance or similar contract really makes sense for me. He responds quickly when I realise just before a trip that I need travel health insurance. For questions where he isn't 100% sure, he draws on a broad network of specialists and uses it to answer all my questions.
- Travel health insurance
- Honest advice
Harry supported me very well in choosing my insurances and investments, especially when it came to protection and future provision for my child. Alongside health insurance, he also showed me sensible investment options specifically designed for children. I really appreciated how patiently and clearly Harry explained everything. You can tell that his clients' concerns genuinely matter to him. Thanks to his competent and honest advice, I feel well taken care of.
- Child protection
- Investments
With Harry William Kraft I truly feel independently and excellently advised. The exchange is very personal, and Harry always takes my individual financial and private situation as well as my life plans into account. You can tell he has a genuine interest in the personal and financial development of the person in front of him, rather than just selling insurance and investments. I particularly appreciate the digital, paperless workflow.
- Investments
- Life planning
I can only recommend Harry's service. Thanks to his support I was able to put my finances on a solid and sustainable foundation and even save costs along the way. Harry advised me competently and comprehensively, so that I now feel secure and well positioned. His expertise and commitment really convinced me!
- Financial planning
- Cost optimisation
I can only speak positively about my investment advisor. The advice was always professional and very personal. He took the time to understand my individual needs and offer tailored solutions. I was particularly impressed by his transparency and clear communication. I feel well taken care of and secure in my investments.
- Investments
- Wealth building
Harry is always reachable and responds quickly to requests. His advice is competent, honest and tailored to my individual needs – I feel I'm in the best hands with him and can highly recommend him!
- All-round advice
- Availability
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Weitere Mandantenstimmen ansehen →The questions that come up before the first call.
No. The first call and the analysis cost you nothing. How I am paid afterwards, I disclose before every recommendation – you decide with that information.
Two ways. On a commission basis my advice costs you nothing extra: the cost is already inside the product – the price is the same or lower than at a comparison portal or directly with the insurer. Or fee-based advice: you pay me a fixed fee and the product is free of those costs. Which route is better for you, we calculate together – open-ended.
Yes. No obligation to any single company, no quota, no sales target. Through a free broker collective I access the entire market and pick what fits you. My recommendation is solely in your interest – otherwise my referral-based business wouldn't work.
Yes, it's firmly part of my advisory philosophy. You pay an agreed fee and in return product-related acquisition costs are reduced or removed. Whether that's the better route for you, I check individually with a financial-mathematical analysis.
Almost always. Many of my current clients already had an advisor. In a first call we check together whether your current strategy still fits your current goals – open-ended, no switching pressure.
How am I paid?
Advice is never free – the only question is whether you know who pays for it. So here it is in full.
Insurance
Paid by the insurer and already priced into the premium – no extra cost for you. Amount disclosed on request.
Investments
Via the cooperation with Weitergedacht – an ongoing fee on the assets advised, no product commissions.
Fee-based advice
For analysis and planning without a product: scope and price agreed in writing beforehand.
Let's talk,
30 minutes.
Ready to take the first step? From "I'll deal with it someday" to "I've got everything under control." That's the difference your decision to book today can make. The intro call is free, lasts 30 minutes and starts with a simple question: where are you right now and where do you want to go? No pressure. No hidden agenda. Just an honest conversation with someone who is exclusively on your side.
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