Pension, health insurance, taxes 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's 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 firstUnderstand how German tax residency and treaties with your home country affect your money.
Cross-border clarityStatutory, occupational and private — portable if you leave.
Leaves with youETF plans, private equity and real estate.
ETF to private marketsEverything managed together, not as scattered products.
Family office approachWhy 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're informed about everything and no question is left unanswered. I'd recommend them again and again.
Straight answers
Yes. Expat Family Office offers English-speaking financial advice for international professionals in Dresden and across Saxony — covering pension, health insurance, tax and investments. We compare across around 250 product partners, and 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 — worth checking before you decide.
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 and portable plans can be built to move with you.
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 German paperwork.
Yes — free and without obligation. We are paid by the providers once we find and set up the right solution, so you never receive an advice invoice from us.
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