Riester reform 2027: what happens to your contract now
From 2027, a state-subsidized retirement account is set to replace the old Riester world. What that means for your existing contract and how to decide well now.
Blog
Straight talk on money and provision.
Clear articles on wealth building, retirement planning, precious metals and protection. Without the jargon, straight from my advisory work in Lüdenscheid.
Pension increase 2026: what's really left of 4,24 percent more pension
On 1 July, pensions rise by 4,24 percent. A model case shows how much of it really reaches you after inflation and tax, and what that means for your provision.
Calculating your pension gap: formula, example and free calculator
Needs minus pension minus provision: with a simple formula and an example, you'll find out in two minutes how much you're short each month in retirement.
Money in your account loses value: what inflation does to your savings
Your savings sit safely in your account and still lose a little value every year. Why that happens and how to steer against it calmly.
Mid-year financial check: three questions, one clear next step
In January the resolution was there; by mid-year, often nothing has moved anyway. With three simple questions, you find the one step that makes the difference.
Wealth building for entrepreneurs: how to separate company and personal assets
Your company is your biggest asset, and that's exactly the risk. Here's how, as an entrepreneur, you build personal wealth alongside the business, step by step.
Occupational pension for medical practices: retain your team and provide for yourself
An occupational pension retains your practice team while building your own provision at the same time. Here's how you proceed step by step as a practice owner.
Retirement planning for the self-employed: how to build it without an employer
When you're self-employed, nobody but you pays into your pension. Which building blocks really carry your provision, and in what order to build them.
Private health insurance for the self-employed: what you really pay
Many believe private health insurance (PKV) only pays off for high earners. Yet the decisive factor isn't salary, it's the timing of when you join.
Gold and silver as tangible assets: when precious metals belong in your wealth
When do gold and silver really make sense, and how much is sensible? A calm perspective on tangible assets, savings plan or one-off purchase, and the right allocation.