Corporate Financial Advisory in Germany
Two services: managing your corporate cash, and teaching your employees how the German financial system works.
Idle cash loses value to inflation. I invest your company’s excess liquidity into secure, yield-generating vehicles so your capital keeps its value while staying accessible.
I help you separate short-term operating cash from reserves you won’t need for months or years. Each layer gets a strategy that fits its purpose so you stay liquid for daily needs and productive with the rest.
Your balance sheet reserves shouldn’t sit still. I position them in high-grade, low-volatility instruments that generate a yield competitive with inflation, without compromising the safety your business depends on.
Your internal risk rules set the boundaries. Capital preservation comes first, always. Within that, I find the yield opportunities that fit your governance, your timeline, and your tolerance for volatility.
The German social system is complex, and your employees have questions your HR team can’t always answer. I run expert sessions on insurance, retirement, and investing, clear, practical, and built for the workplace.
The result: less stress for your employees, fewer repetitive questions for HR, and a workforce that understands the benefits you already provide.
A clear walkthrough of how Germany’s five social insurance pillars actually work: health, pension, unemployment, accident, and long-term care. Employees learn what their contributions buy them, where the statutory pension falls short, and how to make informed choices about private coverage and tax benefits.
A practical guide to growing capital within the German tax and investment framework. I cover how state, corporate, and private savings fit together, which investment vehicles are tax-efficient, and how to use allowances like the Sparerpauschbetrag to keep more of what you earn.
I work with your HR team to identify the topics your employees actually need, whether that’s navigating the health insurance system, structuring a tax-efficient investment plan, or planning for retirement. Each session is built for your workforce, not a generic template.