The following information gives you an overview of myself and my service portfolio.
The core of my service is the holistic, life-long planning of your finances. To put the planning into practice, I offer you comprehensive advice, brokerage and support services for financial investments, insurance and real estate financing. In all areas I act exclusively on your behalf and in your interest. As an independent financial advisor, I am not bound to any product provider.
My advice is based on your needs, personal circumstances and financial situation. It generally comprises a wide range of investment funds, insurance products and real estate loan offers available on the market.
My status according to the German Trade Regulation Act
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Financial investment advice
Fee-based Financial Investment Advisor (Honorar-Finanzanlagenberater) according to Section 34h (1) of the Trade Regulation Act (Gewerbeordnung; GewO) My license covers the provision of advice on units or shares in domestic open-end investment funds, open-end EU investment funds or foreign open-end investment funds that may be distributed in accordance with the German Investment Code (in accordance with Section 34f (1) No. 1 GewO).
Insurance brokerage
Insurance Broker (Versicherungsmakler) according to Section 34d (1) of the Trade Regulation Act (Gewerbeordnung; GewO)
Real estate loan brokerage
Real Estate Loan Broker (Immobiliardarlehensvermittler) according to Section 34i (1) of the Trade Regulation Act (Gewerbeordnung; GewO); Federal Republic of Germany
Product selection and advice
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Issuers and providers on whose financial products advice is given
I advise on financial investments from the entire breadth of the market existing in Germany, insofar as this is permissible within the framework of my license as a fee-based financial investment advisor according to Section 34h in conjunction with Section 34f of the Trade Regulation Act (Gewerbeordnung).
In principle, I exclusively recommend commission-free investment products such as ETFs. The recommendation and brokerage of a commission product is only considered if a similarly suitable commission-free investment is not available. In this case, I will pass on all commissions and other benefits from the product provider to you immediately and in full (more on this in the section "Compensation").
Advice and product selection within the scope of insurance brokerage
My activity as an insurance broker also includes advice in insurance matters.
In general, I base my advice on a wide range of insurance products offered on the market as well as a wide range of insurers. Should this not be feasible in a particular case, I will expressly point out the limited basis for my advice before you submit your contractual declaration.
Advice and product selection within the scope of real estate loan brokerage
My activity as a real estate loan broker includes providing advice on real estate loans.
I base my recommendation on a wide range of real estate loans offered on the market.
Compensation
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Free initial consultation
The initial consultation is always free of charge. This way we can both check without obligation whether and in which form a cooperation makes sense for you.
For financial investment advice
In connection with investment advice, I am exclusively compensated by you as the investor (fee-based advice).
I do not receive or accept commissions or other benefits from product providers, such as investment companies and banks. If I receive such benefits, for example because a brokered product includes them, I will pass them on to you immediately and in full.
My compensation is made as a:
flat fee (a fixed price agreed in advance) or as a
percentage of the assets under management (AUM) or as a
time-based fee.
This depends on your wishes and needs, especially your goal in the consultation. More details are regulated by a fee agreement made before the consultation.
For insurance brokerage
In the area of retirement planning - insofar as an insurance product is to be used - the remuneration for my work as an insurance broker is on a fee basis. This means that I receive my remuneration in the form of a specifically agreed payment exclusively and directly from you. I do not receive other benefits such as commissions.
In this case, commission-free insurance products are used. This means that no commissions or other remuneration are calculated into the insurance product. Therefore its costs are lower than those of comparable commission-based insurance products.
In the area of other insurances (e.g. health insurance, occupational disability insurance) my remuneration is on a fee or commission basis. Commission basis means that I am paid a commission by the respective insurer for providing advice, brokerage and ongoing service for the insurance contract.
The choice between fee and commission is made on the basis of your preferences and the insurance products available on the market. The range of commission-free products is currently still limited or even non-existent, depending on the category of insurance. Therefore, the most suitable insurance product for you is not always available in a commission-free version. By offering the option of remuneration by means of commission, we achieve a broader, deeper and in some cases simpler access to the market than would be the case if we were strictly limited to commission-free products.
Transparency is important to me. As far as insurances with commissions are used, you will receive information about the amount of my remuneration calculated in it before conclusion of the contract. In addition, you will receive a list of the remuneration paid to me from these insurances at least once a year at our check-up meeting or at any time upon request.
For real estate loan brokerage
In real estate financing, what ultimately matters is that you get financing. That is why I have deliberately chosen a completely success-based compensation. I receive a commission for the successful loan brokerage from the lender. This commission is included in the interest you pay and reflected in the effective interest rate. If a financing should not come off, my service is free of charge.
The amount of my compensation may result in particular from: the gross loan amount, interest payments, premiums. The specific amount has not yet been determined at the time of this information. It will be communicated to you at a later stage in the so-called ESIS Information Sheet, which you will receive in good time before the conclusion of the contract. There may be additional variable compensation based on qualitative characteristics.
Registration in the Broker Register and Registry
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About the Broker Register
The Broker Register is a public online register administered by the Chambers of Commerce and Industry for insurance intermediaries, financial investment intermediaries, fee-based financial investment advisors and real estate loan brokers. It provides free public access to information on those professionals, in particular the possibility to verify their license/permission.
My registrations can be checked by entering the following registration numbers at www.vermittlerregister.info/en or by calling +49 30 20 30 80.
Registration number for the register of financial investment intermediaries
D-H-107-XBS1-28
Registration number for the register of insurance intermediaries
D-850W-NRXIZ-42
Registration number for the register of real estate loan brokers
D-W-107-HHL6-06
Registry
DIHK | Deutsche Industrie- und Handelskammer (German Chamber of Industry and Commerce) Breite Straße 29 10178 Berlin
Competent body for the granting of my licenses
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For the license according to Section 34h of the Trade Regulation Act (financial investment advice)
Bezirksamt Neukölln von Berlin (District Office Neukölln of Berlin) Ordnungsamt (Public Order Office) Karl-Marx-Straße 83-85 12043 Berlin
For the license according to Section 34d of the Trade Regulation Act (insurance brokerage)
Industrie- und Handelskammer zu Berlin (Chamber of Commerce and Industry of Berlin) Fasasenstr. 85 10623 Berlin
For the license according to Section 34i of the Trade Regulation Act (real estate loan brokerage)
Bezirksamt Neukölln von Berlin (District Office Neukölln of Berlin) Ordnungsamt (Public Order Office) Karl-Marx-Straße 83-85 12043 Berlin
Professional liability insurance
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Insurer
I have a professional liability insurance with:
ERGO-Versicherung ERGO-Platz 1 40477 Düsseldorf
Geographical scope
Europe
Sum insured
1.5 million euros per claim, maximum 3.0 million euros per year
Insurance number
SV 75402645-892
Complaints and dispute resolution
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Contact me
My goal is to delight you with my service. If I do not succeed, please come directly to me - we will find a solution:
