Success Stories

Case Studies

Real stories from expats who navigated German finances with confidence.

Client Success Stories

Every client's situation is unique, but these anonymized cases illustrate how the right guidance can make a real difference. Names and identifying details have been changed to protect privacy.

Private Health Insurance

From Confusion to Coverage Confidence

Software Engineer, 32, from the UK

The Situation

Sarah moved to Germany for a senior role at a tech company. Her salary put her above the insurance threshold, giving her the choice between public and private health insurance. She was overwhelmed by contradicting advice online and couldn't find clear information in English about long-term implications.

The Challenge

Sarah was 32, single, healthy, and planning to stay in Germany long-term. She wanted to know: Would PKV save her money? What happens when she has children? What about retirement? She'd heard horror stories about people stuck in expensive private insurance they couldn't afford later in life.

The Strategy

We analyzed Sarah's complete financial picture, including her goals to eventually buy property and have children. I showed her projections comparing PKV vs. GKV over 30+ years, including family scenarios. For her situation—young, healthy, high earner—PKV made clear financial sense, but only with the right plan.

The Outcome

Sarah chose a comprehensive PKV plan with strong provisions for retirement. Her monthly premium is €380, compared to what would be ~€800/month in public insurance at her income level. She has shorter wait times, better coverage, and a clear understanding of how costs will develop over time.

€420
Monthly savings vs GKV
4 days
To specialist appointment
100%
Confidence in decision

Real Estate Financing

First Home in a Foreign Land

Marketing Manager, 38, from the US

The Situation

Michael and his wife had been in Germany for 3 years when they decided to buy an apartment in Munich. They had a substantial down payment saved but no German credit history. Their initial bank inquiries were met with rejections or unfavorable terms.

The Challenge

Michael's income included a significant bonus component, which German banks often discount heavily. His wife worked part-time. Without SCHUFA history, banks viewed them as higher risk despite their excellent credit in the US and solid savings.

The Strategy

I identified three expat-friendly lenders and prepared a comprehensive application package. We documented Michael's income history from his US employer (same company, transferred), presented his bonus history as recurring income, and provided reference letters. I negotiated with lenders on his behalf.

The Outcome

Michael secured a mortgage at 3.2% fixed for 15 years—competitive with what German nationals were receiving. The application process took 6 weeks from first consultation to approval. They're now homeowners in Munich, building equity instead of paying rent.

3.2%
Interest rate secured
6 weeks
To mortgage approval
€450K
Financing obtained

Comprehensive Planning

Building a Financial Foundation

Finance Director, 45, from India

The Situation

Raj relocated to Germany as a Finance Director with his family. Despite his financial expertise, German regulations, products, and tax implications were entirely foreign. He needed to set up insurance, plan for retirement, and consider investment options—all while adjusting to a new country.

The Challenge

At 45 with a family, Raj's decisions had significant long-term implications. His high income gave him options, but also complexity. He was uncertain about staying in Germany permanently, which affected insurance and pension choices. His wife didn't work, so family coverage was essential.

The Strategy

We created a comprehensive plan addressing all areas. For insurance, we chose PKV with family coverage and an international component. We established a private pension plan with tax benefits. We added a gold allocation for diversification. Everything was structured for flexibility if they later relocate.

The Outcome

Three years later, Raj's family has comprehensive protection, a growing retirement fund, and a clear financial roadmap. When regulations changed, we adapted the strategy. When they considered buying property, we were already positioned. They have confidence in their financial future in Germany—or wherever life takes them.

Privacy Note: These case studies are based on real client experiences but names, specific details, and circumstances have been changed to protect client privacy. Individual results vary based on personal circumstances.

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