Absolutely, our services are always free for you. Like any German mortgage broker, we receive a standard commission from the lender when a mortgage application is successfully processed. This commission is consistently paid by the lender, not by you, the customer. As a privately owned and independent company, we are committed to delivering the best possible results for our clients without compromising our values.

FinanzPro serves as your trusted advisor in achieving a secure financial future. We assist you in assessing your unique pension requirements and identifying the most effective strategies to establish a robust pension. The pension system in Germany is highly intricate. Consequently, we have dedicated ourselves to gaining a comprehensive understanding of it. Our goal is to leverage this knowledge to guide you through the system and provide optimal solutions. Our Pension Plan program features ETF-based private pension insurance options from ERGO. In addition to maintaining low costs, we prioritize selecting ETFs that consistently outperform leading standard stock indices. For further insights into the various pension solutions available in Germany, including their advantages and disadvantages, please refer to our article titled "How do pensions work in Germany?"

You can use Kindergeld to contribute to a ETF based Investment and Pension plans specifically for your child. Investing Kindergeld (child allowance) in ETF-based pension investment schemes offers several advantages, particularly for parents aiming to build long-term savings for their child's future. Here's a breakdown of the benefits:

i) Cost Efficiency ETFs (Exchange Traded Funds) typically have lower management fees compared to actively managed mutual funds. Over time, these cost savings can significantly enhance the value of the investment.Even small amounts of Kindergeld can be invested regularly, allowing parents to contribute incrementally and build an asset for their children over time.

ii) Diversification ETFs provide exposure to a broad range of asset classes, including stocks, bonds, and other securities, often across multiple industries or regions. By investing in an ETF-based pension scheme, you diversify the risk, as the investment is spread across many different assets rather than being concentrated in a few.

iii) Long-term Growth Potential ETFs that track stock market indices (e.g., the MSCI World Index or S&P 500) offer strong long-term growth potential. Historically, stock markets have provided higher returns over extended periods compared to savings accounts or bonds. Since investments are typically held for decades, ETF-based schemes can leverage the power of compound interest to build significant wealth.

iv )Flexibility ETF-based pension schemes often provide more flexibility in terms of how and where the funds are invested. Investors can select ETFs that match their risk tolerance, choosing between equity ETFs for higher growth potential or bond ETFs for more stability.