Pension, health insurance, tax basics and investments. The German system explained in plain English, built around your life here and back home.
What we help you with
Public or private (GKV vs. PKV) is often called the single most important financial choice you make in Germany, and it is a lifelong one, not a one-year one. After 55, switching back largely stops being an option. We compare both for your income, age and family, in English.
Hardest to reverse laterThe least talked about, most financially critical cover for working professionals here. If illness stops you working, it pays a monthly income. Protecting your earnings comes before building wealth.
Protect income firstHow German tax residency affects your plan (general information; individual tax advice from a tax adviser).
Cross-border clarityStatutory, occupational and private; we check which plans keep their value if you leave.
Can move with youETF plans, private equity and real estate.
ETF to private marketsEverything coordinated as one plan, not as scattered products.
Family-office approachThree ways, compared
Pick what you could set aside each month and see where the last ten years would have taken it.
Illustrative only, based on historical figures: global shares measured by the MSCI World Net TR in EUR, ten years to December 2025; private markets based on Partners Group Global Value SICAV, since inception in November 2009, institutional share class I in USD; the share class available to private investors has different costs and may differ; currency effects may increase or reduce euro returns; bank interest as a simplified average. Past performance is not a reliable indicator of future results. Figures are before individual taxes and costs. Capital investments carry risk, including loss of capital. Private-market funds are long-term and illiquid: redemptions are limited or excluded and total loss is possible. Prospectus and Key Information Document are available from the provider and from us.
Why people trust the process
I came in with no expectations, simply to inform myself. I was educated transparently and thoroughly across a wide range of topics. What stood out: the advice felt very personal, and the focus was clearly on sharing knowledge, far more than on selling. I felt comfortable from the very start and was superbly looked after throughout.
Comprehensive, competent and easy-to-understand advice from courteous, very friendly people. You get the feeling that everything is an option and nothing an obligation. You are informed about everything and no question is left unanswered. I'd recommend them again and again.
Reviews are published on Google for our office Projekt 1030 and checked under Google's own rules; all reviews are visible via the link. Quotes are excerpts, translated from German where needed.
Straight answers
Yes. Expat Family Office offers English-speaking financial advice for international professionals in Dresden and across Saxony, covering pension, health insurance, tax basics and investments. We select from around 250 product partners of our sales platform, and a licensed partner can approach over 400 banks for financing. The first consultation is free and without obligation.
Only under certain conditions, and after 55 that door largely closes. "I'll just switch back later" is a plan that can quietly expire on your 55th birthday. That's why this is a lifelong decision, not a one-year one. We look at your age, income, health and family before you choose.
It depends on your income and status. Most employees are in public health insurance (GKV); higher earners, the self-employed and some others can choose private cover (PKV), which can mean faster appointments and broader benefits. The choice has long-term consequences, so we compare both for your exact situation.
Usually not, if a double taxation agreement exists. Germany has double-taxation agreements (Doppelbesteuerungsabkommen) with over 90 countries, which decide where each type of income is taxed. Whether your investments and home-country assets are treated favourably depends on the specific treaty, so it is worth checking before you decide. This is general information, not tax advice.
It generally stays credited to you. Statutory pension contributions (Deutsche Rentenversicherung) remain yours and can be paid out later under certain conditions, including from abroad. Private, unsubsidised plans can be built to move with you; subsidised plans (Riester, Rürup, company pension) have restrictions.
Mainly through ETF savings plans, private-market investments and real estate. The right mix depends on your goals, timeline and whether you plan to stay. We set up the strategy in English and handle the paperwork for the products we arrange.
Yes, free and without obligation. You receive no invoice from us. If you implement a solution with us, the provider pays us a commission that is included in the product costs; we disclose its nature and, for investments, the amount before you sign.
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