Take control of your finances in Germany.

Independent, fee-based financial coaching for English-speaking professionals. No commissions, no complexity, no German required.

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The problem with financial advice in Germany

You earn well. You're building a career. But your money sits in a savings account earning nothing. The German financial system feels impossible to navigate.

The tax code is in German. Insurance options are overwhelming. Most advisors earn commissions on the products they sell, which means their incentives aren't aligned with yours.

And if you're an expat? You have additional layers of complexity. Cross-border tax obligations, pension transfers, investment accounts in multiple countries, and no idea how long you'll actually stay.

How I help

1

Understand

We map your full financial picture: income, expenses, assets, liabilities, insurance, taxes, and goals. Everything in plain English.

2

Plan

I build you a clear, actionable plan tailored to your life in Germany, providing analysis and practical steps.

3

Implement

I guide you through execution. Which accounts to open, which insurance to keep or cancel, how to start investing.

Why me

Fee-based, not commission-based

I charge a flat fee for my coaching. I don't earn commissions on products. My only incentive is that you understand your finances well enough to make decisions yourself.

Expat perspective

I've lived in 15+ countries. I understand cross-border complexity firsthand, not from a textbook.

Technology-powered

I'm building Alba Wealth, an AI-powered financial planning platform. My clients benefit from tools I've built myself.

Systems thinking

I don't sell you one product. I look at the full picture: tax, insurance, investment, pension, lifestyle, and how they all connect.

Alba Wealth

Built with Alba Wealth

I'm building Alba Wealth, an AI-powered financial planning platform designed for people like you. It models your financial life, runs scenarios, and helps you make better decisions with data, not guesswork.

Alba helps you stay on top of and in control of your entire financial life.

Learn more about Alba Wealth →

Is this for you?

This coaching is for you if:

  • You recently moved to Germany and feel overwhelmed by the financial system
  • You earn well but aren't sure you're saving or investing correctly
  • You want to understand German tax, pension, and insurance. In English
  • You're looking for independent advice without commission conflicts
  • You need a financial setup that takes into account uncertainty about where you will live

Ready to take the first step?

Book a free 30-minute consultation. We'll talk about your situation, and I'll tell you honestly whether I can help.

Prefer email? Reach me at hello@davidhamel.co