Pension planning is not even simple, when you are just living and working in one country. Because it requires for some strategic work: first defining your status quo, then determinating your goals for the future and then finally setting up a strategy that is going to help you reach that goal in the future from your today’s starting point. A good and dedicated IFA (independent financial advisor can achieve that for you).
However, Expats face even a somewhat more complicated situation than others because they often have existing pension plans or statepensions in several countries, will now add some new ones here in Germany and need an experienced advisor to make heads and tails out of that convoluted collection of pension plans. Plus: certain foreigners like, for instance, US nationals who live in Germany, find their selection of local pension plans severly limited due to taxation and regulation problems here in Germany or at home.
This is where the experts from C R & Cie. come in as your special advisor: we have a vast experience in advising clients from all over the world who live in Germany. We know what a SIPP or ISA is, how a QROPS-transfer can work (and how, in a neutral and unbiased assessment process it can be determined if such a transfer is actually in your best interest or not). We also have experience in advising clients who have a 401k or Roth-IRA and can help clients who have those to consolidate and to manage them for you.
It all starts, though, with a check of your current status of your financial situation. Added to that will be a discussion of your goals, using for instance as a starting point or simple but neat „Pension Planner Light“ for Expats which you can find and download HERE
Our pension advice for you can be either the standard commission-based approach (which is still the prevailing method in Germany) or an entirely fee-based approach. You can learn more about our fees here: CR&Cie – our services and our fees for you – 2018Jan
Please collect more information about the different German and international pension options by browsing thru the information we provide further below.
Or, if you are done with reading and want to see action, send us a short message HERE