How does the first consultation work?

We offer a free 30-minute video call to understand your situation and goals. No obligation.

Yes. We are not tied to a single provider and recommend solutions that fit you.

Do you advise in English?

Yes. Our advisors work with expats and are fluent in English.

What does ongoing support include?

Regular check-ins, strategy updates, and support with life changes (e.g. relocation, family).

Do you work fee-based or commission-based?

Both — you choose before we start. Most clients take the classic model: the analysis, the plan and the advice are free of charge, there is no plan fee and no invoice, and the advisor is remunerated by the providers of the products you eventually choose — priced into the product, not added on top. If you prefer to pay for the advice directly, we also offer fee-based advice (Honorarberatung) with a transparent fee agreed in advance.

Who can become a client?

Anyone relocating to Germany or already living here — whatever your visa status or how long you plan to stay. We build solutions that stay flexible if you move on.

Do you also do my taxes?

No — tax advice is a separately regulated profession. We connect you with our partner tax advisors through the Taxes section on expatease.de.

Finance & Insurance

Financial Planning – clear, independent, personal

Structured advice for expats in Germany: investments, retirement, insurance. From Horbach Expats, specialized for international professionals.

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Collectively achieved change.

We're changing the market for expats in Germany.

20+

Languages

800+

Events

10,000+

Expats helped

100+

Partners

Independent financial advice — built for expats

Horbach Expats has been specializing for years in independent, personal financial advice for internationals in Germany. From retirement planning and investments to insurance and tax optimization — with clear guidance and always with your long-term goals in mind.

Get your financial advice in a language you feel comfortable in.

Learn more about financial services in your language

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Our service

How we work

You tell us your goals, we translate the German system into a plan you understand — in five steps, from the first call to ongoing service.

1
Reach out
Send us your request — in English, or one of our other languages. We get back to you within one working day.
2
Introductory session
We look at your situation and goals together and check whether we are the right fit. Free, no obligation.
3
Analysis
Our team works in the background: your current contracts, gaps, priorities and what makes sense for an expat.
4
Your roadmap
Clear recommendations on one page — what to do first, what can wait, and why.
5
Implementation & service
We set it up digitally with you and stay at your side: check-ins, updates and support when life changes.

Start with a free intro session →

What we cover

Everything money-related for your life in Germany — one advisor, one plan, and specialists behind it.

🏖️

Retirement planning

Statutory, company and private pension — what counts for expats and what stays with you if you leave.

📈

Investing & wealth

ETF and fund plans, portfolio check, tax-efficient saving in Germany.

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Real estate & financing

Buying in Germany as an expat: equity, financing, the German way of doing it.

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Basic insurances

Health, liability, income protection — the few policies everyone here needs, nothing more.

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Taxes, with partners

We do not give tax advice — you get access to our partner tax advisors on expatease.de.

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Families

Child benefit, parental leave, provision for your kids — planning for two and more.

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Corporate solutions

Company pension and health care for your team — for founders and employers.

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Leaving Germany?

Geographically flexible solutions that move with you — we plan for that from day one.

Independent, transparent, made by expats

Behind Expatease stands HORBACH Expats, part of HORBACH — Germany's market-leading financial planning service since 1983 — with founders who are expats themselves.

Independent

Not tied to a single provider. We choose from 10,000+ investment funds, 500+ banks and 100+ insurers — and recommend what fits you.

No plan fee

The intro session, the analysis and your roadmap are free — there is no fee for the financial plan and no invoice for the advice. You decide which products you take, and only those have a price.

Taxes: with partners

Financial advice and tax advice are two regulated professions. We do the first — and give you access to our partner tax advisors on expatease.de.

Taxes on expatease.de →

What clients say

Google reviews of HORBACH München, translated from German.

All reviews on Google →

★★★★★

"My advisor explained retirement planning and a children’s savings plan to me in detail and in plain terms. I felt in very good hands throughout the whole conversation: he addressed my personal situation, took his time and patiently answered all my questions. What I especially liked was the transparent, honest advice without any pressure. Thanks to his competent support I decided to set up both a retirement plan and a savings plan for my child. I can absolutely recommend it."

Selsa