Plan for today so you can make your own choices tomorrow. With a strategy that fits your life and grows with you.
Retirement planning is more than just a "pension." It’s about financial independence: being able to make decisions for yourself, your family, and your lifestyle. With a plan that’s easy to understand, fits your goals, and works even when your life changes.
That’s exactly why we at Finora develop customized retirement strategies: transparent, flexible, and sustainable in the long term.
Request a free initial consultationYour interests are our top priority. We work without product restrictions and evaluate retirement solutions based on clear criteria:
Costs and Contract Model
Flexibility (contributions, breaks, withdrawals)
Return/Risk Profile (historical & projected based on assumptions)
Pension Factors and Eligibility Requirements
Tax implications within the legal framework
This way, we find solutions that fit your situation—transparent and without any sales pressure.
The statutory pension provides only basic coverage, which is unlikely to be sufficient to maintain one's standard of living. Without personal retirement savings, one's standard of living in old age will drop significantly by the amount of the individual pension gap.
Request an analysis
We compare suitable retirement planning options and use them to build a strategy that fits your lifestyle.
Schedule a free initial consultationDepending on your goals, tax situation, and desired level of flexibility, different solutions may be appropriate. We’ll show you the options and help you determine which one is right for you.
We’ll help you choose the right plan, draft your contract, and set up a sensible ETF structure.
We'll help you build a high-quality, professional ETF portfolio.
We'll help you develop a strategy and select the best property.
For the self-employed, retirement planning is a whole different story: no employer contributions, often fluctuating income, and many tax considerations. We develop a strategy that is efficient, flexible, and practical for everyday life.
We review your coverage (and identify any real gaps) in a clear and prioritized manner.
We’ll show you how retirement planning, investments, and—if applicable—real estate can work together effectively, tailored to your liquidity and tax situation.
Solutions you can scale up or down without everything falling apart.
We understand the typical challenges associated with international careers: moving between countries, different contracts, different currencies, and many unanswered questions about benefits.
We help you sort out what you already have and what makes realistic sense.
You'll get clear, straightforward information about your options, in German or English.
Our plans remain flexible, even if you leave Germany.
Between work and daily life, retirement planning often gets put on the back burner, yet it’s unclear what the government, your employer, and you yourself should contribute. We provide clarity and develop a plan that fits your income, life goals, and need for security—without any complicated hassle.
Start the retirement planning check for employeesRetirement may seem far off, but this is exactly when you have the most influence. We'll help you set the right course early on.
Even small contributions can make a big difference in the long run if the structure is right.
Your income and your plans change. Your retirement plan should scale flexibly.
Our plans combine growth, flexibility, and transparency, and remain adaptable as your life changes.
Cost-conscious & transparently structured
Flexibly adaptable to income, life stages, and family planning
Designed with an international perspective, also useful for plans involving other countries (depending on the product or contract terms)
Effective retirement planning requires strategy, clarity, and flexibility. Let’s analyze your retirement gap and develop a plan that fits your life, both now and in the future.
Schedule a free initial consultation