Independent guidance on insurance and long-term financial planning for expats in Germany.
Working with Germany's leading insurers
* The values shown are based on average results and may vary depending on your individual situation. Find out now what savings and potential are possible in your case.
Everyone plans their education, career, holidays, or even buying a home. Yet one of the most important parts of life is often left to chance: personal finances.
Over the years, decisions about health insurance, investments, taxes, retirement planning, and government benefits are made one by one, without considering how they affect each other.
We create a personalized financial roadmap based on your current situation and your goals in Germany.
We analyze your financial situation, identify opportunities to save money and uncover tax advantages, government incentives, and employer benefits you may be eligible for. Based on these insights, we provide clear, tailored recommendations that help you make informed financial decisions.
The final decision is always yours.
New Country. New Career. Get Your Financial Setup Right.
What I help with
From your first health-insurance decision to long-term wealth planning. Independent guidance, tailored to your situation.
Health insurance is mandatory in Germany. Without coverage, you usually cannot register your address, work legally, study, or obtain a residence permit. I help you understand your public and private options and finding the best fit for your life.
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Get the right insurances from day one. Build and protect your wealth through smart investing and the right strategy. We make sure you’re covered where it matters.
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Germany offers several powerful ways to build wealth and save taxes, but many expats never take full advantage of them. Benefit from tax savings, reduced social security contributions, and additional employer or government subsidy.
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Results
Testimonials
"Till showed me where I wasted money with my setup. We optimised everything and now I'm saving over €1,000 a year."
"Professional, friendly and informative. I can recommend this service to anyone who needs help with insurance matters."
Rated on Google Reviews & golocal
About
After advising many people from all over the world, I asked myself one question. If even native Germans struggle to understand their own financial system, how can we expect someone new to the country to master it alone?
I’ve made it my mission to help them navigate their finances through Germany without a headache.
As the slogan of W&P says: “We bring your lost money back”, my job is done when you have more money than before we started.
Till Deimann · Financial Advisor · W&P Die Wirtschaftsplaner GmbH, Berlin
FAQ
The mandatory starting point is health insurance — without it you cannot legally register your address in Germany. Beyond that, liability insurance (Haftpflichtversicherung) is widely recommended, and depending on your profession and circumstances, disability, dental, or supplementary care cover may also be worth considering. We assess your individual situation and give you a clear overview of what actually applies to you.
No — we work independently across the market. As part of W&P Die Wirtschaftsplaner GmbH, we cooperate with all of Germany's leading insurers, including Barmenia, uniVersa, DKV, Hallesche, and many others. This means we can compare options objectively and recommend what genuinely fits your situation.
It depends on your employment status and income. As an employee, you are typically enrolled in the public system by default — but above a certain income threshold you may be able to switch to private insurance. Both systems come with distinct trade-offs in terms of cost, coverage, and flexibility. We walk you through the key differences so you can make an informed, confident decision.
There is no universal answer — it depends on how long you plan to stay in Germany, your current tax situation, and any retirement provisions you may already have. Germany offers a range of options, from state-subsidised plans (Riester, Rürup) to investment-based strategies. We help you understand what is available and which approach fits your timeline and goals.
It starts with an initial consultation — free of charge and without obligation — where we learn about your situation. Based on this, we prepare a tailored analysis and walk you through our recommendations at a time that suits you. If it makes sense to proceed, we handle the paperwork and remain your dedicated point of contact going forward.
