spreeFinanz – Ihre Finanzberatung für Deutsche im Ausland und Ausländer in Deutschland
I accompany you in the critical questions of your financial future: Retirement planning, wealth building, income protection, and investment. Especially for people living between different countries and systems, independent advice is indispensable.
Retirement Planning
Whether you work abroad as a German or have come to Germany as an expatriate – statutory systems are usually not sufficient. I develop individual concepts to close your pension gap and ensure your security across borders.
Wealth Building
International lifestyles require flexible strategies. I support you in building and protecting your wealth – with solutions tailored to your goals and designed to be tax-efficient.
Income Protection
Your income is the foundation for everything. I ensure that you remain protected in the event of illness, disability, or during longer stays abroad – so that you and your family are safeguarded.
Investment
Whether it's safe investments, high-return opportunities, or a mix of both – I help you align your investments internationally. I consider tax peculiarities and provide access to a wide range of investment forms that align with your personal goals.
I offer you independent access to the entire market – ensuring that you receive customized solutions that truly fit your life. My commitment: clear advice, personal guidance, and a financial strategy that provides you with security – both domestically and internationally.
Whether you're a start-up founder, student, employee, entrepreneur, or civil servant, having a private pension plan enhances your financial security for retirement. I'll provide you with professional advice to determine your individual pension needs and find suitable products. You can take advantage of government support, ensure lifetime annuities, and explore promising solutions in detail. I'm excited to assist you with your retirement planning!
Formation of reserves
An essential aspect often overlooked is the creation of reserves as a vital complement to retirement planning. No one likes to think about less pleasant phases of life, but financial reserves can be crucial in cushioning the unforeseen, be it an unexpected loss of income, health problems, or necessary large purchases. Reserves provide you with the freedom to tackle challenges calmly and without haste.
I believe that reserves are not just a safety net but also help you gain composure and confidence in dealing with unforeseen situations. At the same time, well-planned reserves do not bind your assets permanently, offering you a degree of flexibility in their use.
Why Reserves are Important for You
As a freelancer abroad, you're faced with various challenges and uncertainties. Financial security through reserves can help weather income fluctuations or meet substantial business investments. If you're in a dynamic industry, you might decide to learn new skills or seize business opportunities — reserves can be the key to achieving all of this.
How You Can Effectively Build Reserves
Building reserves requires discipline and a systematic approach. Start with small amounts regularly deposited into a separate account. The goal could be to secure income equivalent to at least three to six months of expenses as an emergency reserve.
A fundamental principle in building reserves is to keep them for their primary purposes and not constantly utilize them. This means that deploying your reserve should be strategic and well-thought-out to ensure long-term financial stability.
With Me by Your Side
I am here to support you in developing a well-structured plan for building reserves that meet your individual needs. I can help you find the right balance between investments and safety reserves and create strategies for flexible access when needed. I always consider your personal situation and life plans.
With the right reserve strategy, you can navigate your freelance life with independence and ease — perfectly prepared not just to enjoy your present but also to secure your tomorrow. Let me be your guide, ensuring a tailored approach to your financial wellbeing.