Your financial planners with international understanding
Lennard & Joscha
We are Joscha and Lennard – two financial planners with very different life paths, but one common goal: to support people new to Germany with clear and trustworthy financial advice. We know what it's like to start over – and how important good advice is.
New in Germany?
We'll help you navigate the financial jungle.
The German financial system is often considered complex and difficult to understand, even for locals – how much more challenging is it for people new to Germany?
This is precisely where we come in: We accompany our clients step by step on their path to financial security and plan a stable future together. Germany offers a wide variety of options for insurance, retirement planning, and wealth creation. But without the right information and personalized advice, many options can quickly become overwhelming.
Our goal is to create clarity. We explain the available options in a clear, transparent, and equal manner – and work with you to develop tailored strategies that truly fit your life situation. You benefit from our strong network of specialized experts – whether it's tax, insurance, real estate, or legal matters. This allows us to provide you with competent support in all relevant areas.
Health
Statutory health insurance (GKV):
GKV generally only covers medically necessary services – e.g., doctor's visits, hospital stays, or medications.
There are around 95 statutory health insurance companies, some with significantly different premiums and benefits – up to €1,000 difference per year.
Private supplementary insurance (e.g., dental prosthesis or daily sickness benefit) is necessary to meaningfully expand coverage.
Private health insurance (PKV):
As a self-employed person or employee with an annual income of more than €73,800 (2025), you can take out private insurance.
PKV often offers higher benefits and can be more affordable.
Long-term care insurance:
Statutory long-term care insurance is mandatory, but only covers part of the actual costs of care.
Retirement planning
Statutory Pension Insurance (GRV):
Statutory pensions are insufficient in old age; they often only pay about 35% of final income.
For people from abroad, the pension gap is even greater, as they enter the pension system later and thus build up fewer benefits.
Private pension solutions are therefore indispensable – also because there are government subsidies, tax benefits, and employer subsidies.
With the right structure, contributions can also be transferred or paid out if you leave Germany again.
Job security
Occupational disability:
Statutory disability insurance is not sufficient.
Private occupational disability insurance protects your income if you can no longer work due to health reasons.
This coverage is not only essential for your survival – it can also be a prerequisite for obtaining real estate financing.
Unemployment:
In the event of job loss, you will receive wage replacement benefits through statutory unemployment insurance – provided you were previously employed with compulsory insurance.
Accident insurance:
Your employer automatically insures you against accidents at work and on the way to work.
Private accident insurance supplements this protection and covers accidents that occur during leisure time and are not covered by statutory insurance.
Other important safeguards
Personal liability insurance:
You are liable with your personal assets without limitation if you cause damage to third parties.
Liability insurance protects you in such cases.
Home contents insurance:
Covers damage to your home caused by burglary, fire, water damage, or storms.
Legal expenses insurance:
Covers legal and court fees in legal disputes.
Financial planning
Investing & Wealth Building:
Bank accounts often offer interest rates below inflation – your money loses value.
Savings plans in investment portfolios are recommended and can often be subsidized by employers (capital-forming benefits).
Real Estate:
Ownership protects against rent increases in the long term and allows others to co-finance your property.
Whether for personal use or as an investment, real estate is an important building block for wealth creation if well-planned.
Tax Optimization:
With targeted financial planning, you can realize significant tax advantages – especially for retirement savings, real estate, or international income.
Our approach is based on a holistic view of your financial situation and goals. You benefit from our many years of experience and a strong network of professionals.
If you are interested in personal advice, we are happy to assist you. Together we will develop a strategy that is optimally tailored to your needs.
Contact us for a free initial consultation – we look forward to getting to know you.
Successes of our customers
About us:
We know what it's like to start over – and how important good advice is.
As a biotechnologist with a doctorate and a long-time manager at Pfizer, Joscha brings over 16 years of international experience in the healthcare industry. Today, he uses this knowledge to develop customized solutions for our clients, particularly in the areas of healthcare provision and insurance.
Lennard was a competitive athlete for many years, grew up between multiple cultures, and has family roots in Switzerland and the USA. He knows from personal experience what it means to navigate a new system. As a manager, he drives the strategic development and expansion of our consulting services with foresight.
Our vision:
We want to be the first point of contact for internationals in Germany when it comes to financial matters. Our vision is to offer consulting services that transcend boundaries – linguistic, cultural, and professional. We create transparency where uncertainty exists and support people with respect, expertise, and a genuine interest in their long-term success in Germany.
Over 10 years of experience
More than 750 customers reached their goal
Together over 25 team members
Frequently Asked Questions
How much does the consultation cost?
Our consultation is free of charge. We only receive a commission from the respective company if the transaction is successful—that is, if a contract is concluded. There are no additional costs for you.
How does the consultation work?
Our advice is structured, transparent, and individually tailored to your needs:
• Initial consultation: We explain our approach, learn about your goals, and analyze your current financial situation.
• Second consultation: We present a customized plan based on your needs.
• Third consultation: We implement the recommended solutions together.
• Annual service appointment: For review, adjustments, and further planning.
Do I have to live in Germany to receive advice?
No. We also advise people who are still abroad and are planning a move to Germany. Early planning helps maximize financial benefits and avoid mistakes.
In which languages does the consultation take place?
Consultations can be conducted in German or English—whichever is more convenient for you. We attach great importance to explaining complex topics in a simple, clear, and understandable manner.
What topics do you cover?
We provide comprehensive advice on all relevant financial areas in Germany, including:
• Health insurance
• Retirement planning
• Income protection
• Investments & wealth creation
• Investment properties
• Government subsidies & employer benefits
• Tax aspects (in cooperation with specialists)
• Real estate financing
• And much more.
For specialized topics, we rely on a strong network of experienced experts.
Do you work independently or with specific providers?
We work independently with a broad spectrum of companies. This allows us to select individually tailored solutions for your personal situation – objectively and tailored to your needs.
Can I also receive advice digitally?
Yes. Our consultations are also available entirely online – via video call, flexible and location-independent. Ideal if you travel a lot or don't yet live in Germany.
What happens if I don’t stay in Germany permanently?
No problem. We'll tailor your financial planning to work globally – flexibly, sustainably, and without you having to give up everything or start over.
Visit us in the office or stay in touch with us digitally.
© 2025 finance for internationals. Created by RHS Solutions.