Harry William Kraft — independent financial advice in Berlin
Insurance broker (§34d GewO) and fee-based financial planner (DMA) — private health, disability, retirement and wealth building.
Who sits across from you.
I'm Harry William Kraft, independent broker and financial planner based in Berlin. My clients are entrepreneurs, self-employed professionals and executives across the DACH region – people who don't need another product pitch, but a solid financial strategy.
Before finance, cycling was my profession: ten years at national level, German champion and national team rider. What remains is a working style: think long-term, analyse honestly, execute consistently.
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Decide independently
I work without provider mandates and without sales targets. Every recommendation is based on your situation – not on a product provider's commission structure.
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Advise as I would advise myself
My guiding question on every decision: would I structure this the same way for my own wealth? If not, I don't recommend it to you either.
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Long-term, not transactional
I build mandates that last decades – with annual reviews, clear documentation and one point of contact who knows your history.
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Discipline from competitive sport
Ten years of cycling at national level taught me one thing: results come from structure, repetition and honest assessment. That's exactly how I work in your financial planning.
Out of the industry. On your side.
Nine years inside a DAX corporation. Then the break and the question of purpose. Today fighting for more personal financial power.
From youth club to the national jersey.
Half my life belonged to cycling – from the first laps at a small youth club to the German championship title and the national team.
I got into the sport through my father, a close friend of Günter Haritz, Olympic champion 1972 in Munich. The photo shows me aged 18 at the training camp on Mallorca.
"I never wanted to sell."
Nine years in a DAX corporation, targets hit, even the Winners Circle in Thailand. Still, it never quite felt right. Only later did I understand: selling was never the problem – what I was selling for was.
One scene stuck with me: a client faced a choice – a small package now, or a much larger, more sensible step one quarter later. To me the answer was obvious. To my manager it wasn't: close the small deal now to save the quarterly target.
An artificial deadline distorting a decision that actually belongs to the client. I could never identify with that. That was the break – and the beginning of Finanzkraft.
