Financial advisor in Germany – near you, independent & online
Looking for a financial advisor in Germany and in your city, but don’t want to run from bank to bank? With Hypofriend, Pensionfriend, and Investfriend, you can quickly find an independent financial advisor in Germany for home financing, retirement planning, and investing – nationwide, online, and free for you.
Find a financial advisor in Germany, in your region
Many clients search specifically for a financial advisor in Germany in their area – for example, financial advisor Berlin, financial advisor Bavaria, or financial advisor North Rhine-Westphalia. Through our online financial advice in Germany, you connect with an independent financial advisor who understands your situation, knows local specifics, and supports you with topics like home financing, retirement planning, and investing – whether you live in Baden-Württemberg, Hesse, Hamburg, Saxony, or any other federal state in Germany.
How does financial advice in Germany with Hypofriend, Pensionfriend, and Investfriend work?
Our approach is simple: a financial advisor in Germany shouldn’t just sell you any product, but help you make the best decision for your finances. That’s why we collect your income, expenses, equity, and goals together with you. Your financial advisor then uses our technology to find the right solutions – for example the optimal home financing, a sensible retirement strategy, or an investment plan that fits you. Instead of recommending just one provider, we compare over 750 banks and multiple products in Germany, and explain transparently which option truly matches your needs.
Why is it worth comparing financial advisors in Germany?
Just like you should compare interest rates for home financing in Germany, it also pays to compare financial advisors. Traditional bank advisors are tied to their bank’s products, while an independent financial advisor in Germany can compare multiple providers and solutions. Even small differences in strategy, fee structure, or product choice can have a big long-term impact on your wealth. With Hypofriend, Pensionfriend, and Investfriend, you get financial advice in Germany that isn’t driven by individual banks or insurers, but consistently puts your interests first.
What should I look for when choosing a financial advisor in Germany?
A good financial advisor in Germany is independent, explains decisions clearly, and is transparent about how they are paid. Make sure your advisor doesn’t recommend just one product, but compares different scenarios and considers your whole financial situation – income, budget, equity, and plans for family or career. They should be able to advise on home financing, retirement planning, and long-term wealth building, instead of pushing a short-term deal. Our financial advisors support you long term and help you adapt decisions as your life changes.
Do I really need a financial advisor in Germany for my home financing?
In theory, you could try to negotiate your home financing in Germany directly with a few banks. In practice, many people miss important details around repayment, fixed-interest periods, equity ratios, or special repayments – and often end up paying more than necessary. An independent financial advisor in Germany helps you assess how much property is realistic, which monthly rate fits your life, and how to combine interest and repayment strategy wisely. They also show how your home financing fits into your overall financial plan – including retirement planning and wealth building.
How much does a financial advisor in Germany cost – and why is our advice free?
Many people think a good financial advisor in Germany must be expensive. Our model works differently: advice through Hypofriend, Pensionfriend, and Investfriend is free for you as a client. If you decide on a product after the consultation, we receive a fee from the respective provider – similar to other intermediaries. The difference: we work with many banks and product providers in Germany, compare their conditions using our technology, and disclose how we are paid. This way, you can be sure your financial advisor doesn’t just recommend the product with the highest commission, but the one that fits your goals best.
Do our financial advisors compare offers across Germany?
Yes, our financial advisors compare offers across Germany. Whether you live in Berlin, Hamburg, Munich, Cologne, the Ruhr area, or in a rural region – we have access to conditions from over 750 banks in Germany and can show you which solutions make sense where you live. With online video advice, your location doesn’t matter: you get high-quality, independent financial advice in Germany without needing extra in-person appointments.
How do our financial advisors in Germany work behind the scenes?
Our financial advisors use proprietary recommendation software based on models co-developed by our co-founder Dr. Chris Mulder, including work with international institutions. This technology helps compare financing offers, cost structures, and risks objectively in the German market. Every day, we review new financing products and investment options in Germany, analyze conditions and hidden costs, and feed this data into our systems. Your financial advisor combines these analyses with your personal details – such as income, risk preference, and future plans – and then explains clearly which options are best for you in the long run.
Find your financial advisor in Germany online now
Instead of spending hours researching on your own or relying only on your local bank’s recommendation, you can find an independent financial advisor in Germany in just a few clicks. In a free, no-obligation call, we answer your most important questions, give you a clear overview of your options, and show you which next steps make sense – whether it’s about home financing, retirement planning, or investing in Germany.
