Four pillars. One foundation.
The four areas I work in — choose one to learn more.
The four areas are connected: income protection is the foundation, health cover shapes your cost base for decades, retirement planning turns income into future purchasing power, and wealth structuring decides the net result. Looking at them together avoids decisions that solve one area at the expense of another.
Disability insurance
The most important insurance of your life.
If the policy wording is bad, even the cheapest tariff won't help. I find the ones that pay out when it matters – and stay by your side when that day comes.
- Needs analysis – not product sales
- Insurability clarified anonymously up front
- Disability cover with rock-solid wording, not just a cheap premium
- In a claim: I stay at your side
Private health insurance
No myths. A decision that holds.
Few areas attract more half-truths than private health insurance. My job: identify solid insurers, check premium stability – and deliver when it counts.
- Insurability checked anonymously up front
- Focus on long-term premium stability
- Tariff landscape demystified
- Support in the claims process
Retirement planning
Smart structure instead of tariff jungle.
Statutory pensions won't be enough. But 1,000 tariffs aren't a solution. I navigate what actually pays off – over decades, not quarters.
- Status-quo analysis of your existing contracts
- Layered strategy based on your life situation
- High-yield, low-cost tariff selection
- Annual review – the strategy breathes with you
Wealth management
Foundation + strategy. Not just ETF.
An ETF portfolio is a foundation – not a strategy. Goal, horizon, risk, asset allocation. Here I work with weitergedacht Anlageberatung as a partner. Niklas Krämer, as founder and managing director, holds portfolio responsibility there and ensures countercyclical risk management.
- Define investment goal & horizon
- Honest test of risk capacity
- Asset allocation by life situation
- Inheritance & gifting