Services

Living and working internationally can make even ordinary financial decisions more complicated.

Pensions may be spread across different countries. Investment products that were familiar at home may not exist in Germany. Property, taxation, retirement location, and currency can all affect the same long-term plan.

Expat Wealth Compass helps internationally mobile professionals understand these issues, organise their options and identify sensible next steps.

Listed below is a more in-depth explanation of our services.

Financial Clarity Session

A focused one-to-one conversation about the financial questions currently causing you uncertainty.

This may include:

  • Understanding your overall financial position.

  • Identifying gaps in your retirement planning.

  • Clarifying which questions need professional tax, legal or pension advice.

  • Prioritising your next steps.

The aim is not to overwhelm you with information. It is to help you leave the conversation with greater clarity and a practical direction.

Retirement and Pension Review

A structured discussion of the different sources that may support your retirement, including:

  • German government pension.

  • Company pension.

  • Pensions from other countries.

  • Personal investments and savings.

  • Expected retirement income and expenses.

  • Early retirement and retirement location considerations.

This service is particularly useful for expats whose retirement arrangements are spread across more than one country.

Property and Retirement Planning

Property decisions are rarely just about property.

We can expore questions such as:

  • Should you rent or buy?

  • Should you purchase in your home country, host country or a future retirement country?

  • How does a paid-off home affect your retirement income needs?

  • Does a holiday or rental property support your wider financial plan?

  • Are you at risk of becoming property-rich but cash-poor?

The purpose is to help you consider property as one part of a broader financial and lifestyle strategy.

Investment and Portfolio Education

Independent educational guidance to help you understand:

  • How your current investments are structured.

  • Diversification, costs and risk.

  • The difference between income and growth strategies.

  • How German taxation and brokerage arrangements may affect expat investors.

  • Questions to ask before choosing a broker, fund, pension product or investment platform.

Expat Wealth Compass does not sell financial products or accept commissions.