Our Services
Built for expats in Germany.
Most of our clients come to us because of German tax benefits they didn't know existed. We always start there.
Overview
Germany offers powerful, legal tax reduction tools that most expats never hear about. The Basisrente (Rürup pension), ETF insurance wrappers, and real estate depreciation can together reduce your taxable income by tens of thousands of euros per year — permanently.
In Detail
Case Studies
Profile
Software Engineer, US expat, Frankfurt
€110,000 / year
Challenge
Paying 42% marginal tax, no private pension setup, unaware of German-specific tools.
Solution
Basisrente (€25k contribution) + ETF insurance policy (€500/mo) + 1 new-build apartment in Leipzig.
Result
Annual tax saving: ~€12,400. Effective rate dropped from 38% to 27%. Retirement covered across 3 pillars.
Profile
Senior Consultant, British expat, Munich
€145,000 / year
Challenge
Post-Brexit uncertainty on UK pension. No German private pension. High tax burden.
Solution
Maximum Basisrente contribution + monument-protected property in Dresden (Denkmalschutz) + ETF Fondspolice.
Result
Annual tax saving: ~€21,000. Denkmalschutz deductions of €38,000/yr for 8 years. Full retirement independence from UK system.
Profile
IT Architect, Indian expat, Stuttgart
€95,000 / year
Challenge
On a Blue Card visa, no clarity on long-term Germany plans. Sending money home to India, nothing invested locally. No awareness of German pension gap or tax tools. Concerned about what happens to savings if he returns to India.
Solution
ETF Fondspolice (portable on exit, tax-privileged) + Basisrente for years he stays (deductible now, taxed at lower rate at retirement). Clear exit strategy modelled: lump sum vs. annuity options if leaving Germany before 60.
Result
Annual tax saving via Basisrente: ~€9,200. ETF Fondspolice building €800/month. Full portability confirmed: assets remain his regardless of visa or departure. Peace of mind on both tax and exit scenarios.
The Integration