Financial advisor Germany
Your Experts for Tailor-Made Solutions
Transparent advice on retirement planning, wealth accumulation, protection, and much more
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Financial Advice – Your Advantages with Us
Our goal is to show you ways to achieve your financial objectives safely and efficiently. We provide you with expert advice in the areas of retirement planning, protection (e.g., disability and health insurance), investments, and mortgage financing – always tailored to your individual needs.
Your benefit: By taking a holistic view of your finances, you save both time and money. Our advisors tap into a wide range of market offerings and develop solutions that perfectly suit your life situation – whether you are an employee, an entrepreneur, or a freelancer.
Whether compensation is based on commission or fees – you will find out how remuneration works and how our cooperation will proceed later on this page.
For more information about our team and our fundamental consulting philosophy, please visit the About Us page.
Philipp Leyk
Financial Advisor
"I've been serving my international clientele for many years. In doing so, I set the highest quality standards for both myself and my consulting services."
Objectiv
Objectivity should form the foundation of every consultation. That is why we adhere to external criteria such as the financial standard (DIN Norm 77230).
Productfreedom
All of our advisors have the freedom to select products. Every product available on the open market can be utilized, as this is the only way to ensure optimal support.
Transparent
Transparency is a prerequisite for a relationship built on trust, and all of our recommendations are intended to be clear and verifiable for you.
Financial Advice from FragFina? Why us?
As insurance brokers, we at FragFina play a unique role: we represent exclusively the interests of our clients, not those of an insurance company or a bank.
Unlike insurance representatives who are bound to a single provider, or multiple agents who can only rely on the products of their cooperation partners, we have access to the entire range of options freely available on the market.
The Advantages for You as a Client:
- Product-Neutral Selection: We analyze the entire market to find the best solutions for your individual situation.
- Representation of Interests: As your personal advisor, your financial goals and needs are always our top priority.
- Transparency: We clearly inform you about the advantages and disadvantages of products as well as about compensation models.
With FragFina, you have a partner by your side who offers comprehensive advice—whether it’s regarding protection, retirement planning, or wealth accumulation.
What our customers say
Our expertise not only convinces our clients, but various media outlets also rely on our specialist knowledge. Whether as expert commentary, in professional articles, or based on our research data, here are a few excerpts:
- Wirtschaftswoche (Printausgabe 10 (2023)/ "Bei Geld werden Frauen immer mutiger")
- Tagesspiegel (Online/ Zur Not auch ohne Eigenkapital: Ein Experte erklärt, wie Hauskäufer ihre Immobilie am besten finanzieren)
- Das Investment (Online/ Die meisten Finanzkunden würden Beratungshonorar zahlen)
Our Consulting Focus Areas
Retirement Planning
To ensure you can live worry‑free in your later years, we analyze your current situation, calculate your pension gap, and develop individual strategies to close it efficiently.
Wealth Accumulation
We create a customized investment plan—from ETFs and funds to other assets—tailored to your goals and risk profile.
Disability Insurance
We design an individual concept to protect your ability to work, guide you through product selection, and support you with the application process, including health questionnaires.
Health Insurance
Whether statutory or private, we advise you on which health insurance best fits your needs and life situation.
Mortgage Financing
Make your dream of owning a home a reality with optimal financing. We support you from planning through execution.
Much more
Beyond the topics listed above, we advise you on many other relevant matters
The Process, Step by Step
Initial Meeting
In the free introductory consultation, we clarify your expectations, present our approach, and give you the information you need to decide on working together.
Consultation
During the consultation, we analyze your situation, develop customized strategies, and present you with solutions tailored to your goals.
Implementation
We guide you through putting the agreed strategies into action—from product selection to contract processing—and remain at your side every step of the way.
Make use of our free introductory consultation to find out whether our services align with your expectations and needs.
The consultation is non-binding and entirely free of charge.
What Does Financial Advice for Expats Cost
In financial advisory, costs play a central role. Basically, there are two billing models: commission‑based advice and fee‑based advice (or fee‑based brokerage).
With commission‑based advice, costs only arise when a contract is concluded. These fees are included in the premiums and are paid by the insurer to the advisor—not directly by you.
With fee‑based advice (or fee‑based brokerage), contracts without commissions—so‑called net policies—are used. The brokerage fee is paid directly to the advisor.
What do we offer?
The choice is yours: we provide both commission‑based advice with gross policies and fee‑based brokerage with net policies. The latter is handled transparently and directly between you and the advisor. Below you will find a few examples:
Jörg Strüber
Financial Advisor
"My goal is to ensure that both private individuals and companies receive optimal support in order to simplify their financial everyday life and achieve long-term success."
Our Expert Network – The Right Solution for Every Challenge
At FragFina, we strive to provide you with the best possible support in every situation. However, sometimes a query requires such specialized expertise or capacity that we cannot cover it internally. That is where our proven expert network comes into play.
This network is made up of partners with whom we have built a trusting relationship over many years and who meet our high standards of quality. These include professionals from areas such as tax consulting, real estate financing, investment and other specialized fields.
Should your request require the involvement of an expert, we will, of course, inform you transparently. Together with our network partners, we ensure that your concerns are handled professionally and efficiently, always with your best interests in focus.
Frequently asked questions about financial advice
- Our consultants have different academic backgrounds, from business economists to lawyers to engineers, everything is represented.
- In addition, each consultant has completed the IHK training as an insurance specialist § 34d GewO and attended numerous internal training courses and workshops.
- Our consultants are DEFINO-certified specialists for private financial analysis according to DIN 77230.
- In the area of financial investment, each consultant has completed the IHK training as a financial investment specialist according to § 34f GewO. Our consultants use a professional liability umbrella in accordance with § 32 KWG (German Banking Act) in order to be able to offer you all possibilities in the field of financial investments.
- Occupational disability
- Retirement planning (Riester, Rürup, pension insurance)
- Retirement planning
- Company pension plans (direct insurance, pension fund, pension fund, support fund, pension commitment)
- Financial investment (funds, ETF, shares, savings plan, one-time investment, call money)
- Health (statutory health insurance, private health insurance, supplementary dental insurance, inpatient supplement, outpatient supplement, international health insurance)
- Construction financing (loan financing, building savings)
- Property insurance (liability insurance, household insurance, legal protection insurance, residential building insurance)