Independence & Structure
The honest answers analytical clients deserve.
Sophisticated expats research before they sign. So instead of vague trust-words, here are the structural questions we get most often, answered in plain language.
The short version
- We are independent insurance brokers (ungebundene Vermittler) licensed under §34d Abs. 1 GewO, not tied to any single insurer or product manufacturer.
- We have no proprietary products. There is no 'Expat Heroes fund' or 'Expat Heroes policy' that we could push. Every product on the table comes from an external provider.
- We do not, however, offer every product on the German market. We apply quality criteria (cost, flexibility, portability, transparency) that filter out a large part of the market, by design.
- Our consultants are compensated through commissions paid by product providers, not by you directly. We never bill the client.
- What protects you is not a label, it's the methodology, the exclusion rules, and the willingness to walk away from a bad product.
Direct Q&A
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Our Methodology
The framework that turns 'commission-based' into something a sceptical client can actually inspect.
ReadInvestment Philosophy
Evidence-based principles. No market timing. No story-stock pitches.
ReadAdvanced Expat Topics
Pension portability, Wegzugsbesteuerung, cross-border retirement.
ReadLet’s talk about your situation
Get to know us with no obligation. Together, we’ll see whether and how we can support you.
Educational content describing our advisory structure. Not financial, tax or legal advice. Concrete recommendations follow a personal consultation.