At Chambervelt, Rooselain and Cie. we see it as our job to build service-bridges for you in all areas of insurance or finance to make your move over to Germany all the more easy and even enjoyable.
When coming to Germany you will detect (or you have already detected from your research before deciding to move) that many things work very differently. It is thus good to have a partner at your side who knows where you come from, how things work at your home and how this translates into what is required, offered or recommended in Germany. We would like to be this partner for you and take the misery out of taking care about all financial issues when moving to Germany.
The top priority for everyone moving to Germany is usually HEALTH INSURANCE, if you are not from a memberstate of the European Union most likely you have to show proof for adequate health insurance before getting your visum approved or getting a residence/work permit. Therefore this topic comes first in line below and it will require some reading from your side in order to understand if your are eligible for public or private health insurance, what advantages or disadvantages these option offer and more. This is definetly a topic where you should employ the help and assistance of an independent advisor because a faulty decision can have grave and costly consequences for you and your purse over time. The topic HEALTH INSURANCE provides general information on the system in Germany, an overview of options depending on your occpuational status and personal situation as well as information tailored directly for employees, freelancer and self-employed or others. Even within the wast fund of information to be found at our website there will be cases not yet covered with the information provided, therefore feel free to contact us for more and free information. If you want some feedback/information from people in the same situation like yours, try www.toytowngermany.com with the WIKI and - evenmore important - chat on health insurance, where we contribute also a lot of free information to the ExPat community regularily under the alias of "Starshollow".
There are a number of other INSURANCES you should discuss with us and consider, for which you'll find information at the sector "INSURANCE BROKER" below the HEALTH INSURANCE section. Here we will first explain what kind of insurances are really important upon arrival and which are good/nice to have. Of course at the end of the day we will have to see what kind of risks you need to cover, depending on your individual situation and personality type, but some are really must-haves, even if they are not required by law like health insurance. The only insurance we do not do anymore is car insurance because this part of the market has become so dominated by online-insurances that there is simply no business to be made in this area for us anymore. If you want us to take care of that too we would need to charge you a fee for our efforts
Once you have established yourself in Germany and the dust from moving to a new place has settled somewhat we shall need to discuss options for PENSION PLANNING. This is important because you pay taxes in Germany, a lot actually, and there are some interesting ways of recuperating some of the taxes into pension plans. This makes even sense if you just stay for a couple of years in Germany.
If you intend to stay longer in Germany or if you bring over funds from sold property or prior investments you might also want to disucss investment options with is. We shall be happy to offer you our highly qualified INVESTMENT ADVICE since this is from the past our area of main expertise as we come from a strong background of private banking and wealth management.
Many ExPats decide, when they know that they stay for longer in Germany, to buy real estate in Germany, either to live in it or simply as good investment for the future. While it is easy to find a real estate agent who speaks English, negotiating with Germany banks about a mortgage can be a real nightmare for someone not used to the German bank's way of doing business which is very different to the way in the UK, Ireland or the US. As an independent MORTGAGE BROKER we take care of this for you, too.
Often ExPats come to us with the request for tax advice. While we are of course qualified to give such advice as we deal with tax issues every day, we are by German law and regulations not allowed to give general tax advice because we are not registered as tax accountants/advisor. Under the section TAX ADVICE we will give you such general information as we can and offer you links to tax advisors we feel we can recommend.
And if you don't want to read so much boring stuff yourself but rather want to see your problems solved as fast and easiest as possible, just get in contact with us by clicking here
