Tim
Wöltje
Financial Planner for Expats in Germany
Independent guidance on investments, insurance and retirement planning.
§34d/f licensed
Helping international professionals navigate the German financial system.
Independent comparison across banks & insurers.
Consultation in English or German
Investments & wealth building
Health & insurance
Retirement & tax-efficient planning
ABOUT ME
I’m Tim, a financial planner based in Germany.
I am a qualified insurance specialist and financial investment specialist, hold an MBA, and lead a small team of financial advisors. My work focuses on helping international professionals understand the German financial system and make confident, well-informed decisions.
Whether it’s insurance, investments, retirement planning or long-term wealth building, my goal is to make complex financial topics simple, transparent and easy to understand.
No unnecessary jargon and no generic solutions — just personal guidance tailored to your situation, goals and life in Germany.
What My Clients Say
„Tim explained everything in a very clear and simple way. I never felt pressured and finally had the feeling that I understood my options regarding insurance, investments and retirement planning.“
- Rahul, Software Engineer„As an expat in Germany, I found many financial topics confusing. Tim took the time to understand my situation and explained the different options in English without unnecessary jargon. I would definitely recommend the consultation.“
– Priya, Project Manager„The consultation was structured, personal and very helpful. Tim helped me identify gaps in my financial setup and gave me a clear overview of what actually makes sense for my situation in Germany.“
– Daniel, EngineerQuestions you probably have
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My consultation is a good fit for you if three things apply:
You are a international professional and full-time employee or self-employed
You have some money left over at the end of the month — ideally around €1,000 or more.
You want to put that money to work strategically instead of simply leaving it in your bank account.
If the second point doesn’t apply to you yet, feel free to get in touch once that changes. That way, we can make the most of your financial potential.
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The initial consultation is free of charge and without obligation. We first look at your current situation, your goals and the topics that are relevant to you.
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Yes. The consultation can be conducted completely in English. I regularly work with international professionals living and working in Germany.
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Depending on your situation, we can look at topics such as health insurance, income protection, private liability insurance, investments, retirement planning, wealth building and your overall financial structure in Germany.
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Not at all. Many of my clients come to me because the German financial system feels complicated. My job is to explain the important topics in a clear and understandable way, without unnecessary jargon.
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No. I work with a broad range of banks, insurance companies and financial providers. This allows us to compare different solutions and look for options that fit your individual situation.