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Independent retirement savings

In our independent retirement planning consultation, financial products are not the primary focus. Our focus is entirely on your personal situation. We want to learn about your dreams and goals for your retirement and what standard of living you aspire to.

The advantages of our
Retirement planning advice for you

Together with you, we'll determine how you can realize your future dreams in retirement. Planning your retirement raises many questions, which you can clarify in a retirement planning consultation with your independent financial advisor. Our retirement planning allows you to simulate your financial future in old age. We'll check whether your current assets and basic pension are sufficient to maintain your desired standard of living. We'll explore strategies to close the pension gap that can arise from the statutory pension insurance. We'll determine which investment strategies are best suited to your retirement years. All these questions will be addressed in detail during our impartial, independent retirement planning consultation.

Our simulation includes various scenarios regarding life expectancy and inflation to identify potential supply gaps.

As a result, we develop solutions to close these pension gaps that meet your personal needs and tax requirements. We simulate the profitability of these solutions and create a customized and precise financial plan to help you achieve your dreams and goals. We help you determine your investor profile and identify the products that best suit you. We support you in securing your retirement and show you how to benefit from commission-free and cost-effective products to look forward to attractive returns for your future.

Customer-oriented solutions

Your advantages in retirement planning advice

If independence is particularly important to you when it comes to retirement planning advice, you've come to the right place. Unlike other financial or pension advisors, our fee-based consultants, who operate throughout Germany, work on a fee basis, not on commission. This means that during your retirement planning consultation, you'll receive only tailor-made investment solutions precisely aligned with your personal financial situation.

The advantages of independent retirement planning advice for consumers are clear:

Individuality: Our neutral retirement planning advice focuses on your needs, rather than on selling products.
Security: Your desired and risk profile is of utmost importance to our fee-based advisors.
Efficiency: We only recommend commission-free products to ensure the best solutions.
Profitability: Our fee-based advisors offer cost-effective capital market products to increase your profitability.

Opt for independent investment advice

Independent retirement planning advice and the 3 pillars

In a holistic retirement planning consultation by a licensed consultant of Honorarfinanz AG, all pillars of retirement provision are analyzed, with a focus on private retirement provision.

Retirement provision in Germany is based on three pillars: statutory, subsidized and private pension provision:

Basic provision with statutory pension insurance and Rürup pension or basic pension.
Subsidized retirement savings plans including company pension schemes (baV) and Riester contracts.
Private retirement provision with private life insurance, private pension insurance and investment in ETFs.

Your benefit from independent advice

With your personal fee-based advisor, you'll gain a comprehensive understanding of your financial situation. This will allow you to get the most benefit from your private retirement planning advice and make long-term plans.

After your personal consultation with one of our fee-based advisors, you will leave with the following insights and a financial plan for your retirement planning:

Knowledge: You know exactly what your finances look like in retirement and what measures you need to take to close any potential gaps in your pension.
Understanding: You will learn which retirement savings concepts are suitable for you and which are the most efficient, as not every concept is suitable for you.
Planning: You will receive an individual retirement savings roadmap up to retirement age, which you can use as a guide to achieve your personal goals.
Implementation: You implement your retirement savings together with us and cost-efficient solutions, so that you can retire later without worries.