Question 1

Does the consultation cost me anything?

Accepted Answer

No - you don't pay anything for the consultation. As an independent insurance broker and financial investment advisor, I'm compensated solely through commissions paid by the respective provider if you decide to proceed. This happens in the background and has no impact on your costs. My goal is for you to make informed decisions - completely free of sales pressure.

Question 2

How can you provide independent advice if you're paid through commissions?

Accepted Answer

I'm not tied to any specific providers or banks - that's what sets me apart from many traditional advisors. I choose from a wide range of products on the market based on what suits you. Thanks to my experience and our conversations, I can assess very well whether a product makes sense for you - or not. My reputation is built on honesty and long-term trust, not on quick deals.

Question 3

Where does the name 'Geldnavigator' come from?

Accepted Answer

The name 'Geldnavigator' (Money Navigator) was chosen deliberately: it's not just literally about money, but about helping you find the right direction. In a complex financial world, I see myself as your navigator - someone who guides you independently, honestly, and with experience through all the options. You decide where you want to go - I show you the way and help you make smart choices that truly fit your life.

Question 4

What topics can I discuss with you?

Accepted Answer

Whether it's wealth building, retirement planning, insurance, investments in tangible assets or private equity - you can bring any financial topic. Together, we analyze what really matters to you and calmly explore your options. I combine classic strategies with modern, often lesser-known alternatives - always tailored to your personal situation.

Question 5

What happens in the first meeting?

Accepted Answer

We'll have a relaxed conversation about your current situation, your goals, and your questions. You don't need to prepare anything. The goal is for us to get to know each other and for you to get a feel for how I work. In the end, you'll know whether you feel comfortable working with me - and whether we want to continue together.

Question 6

Is the consultation online or in person?

Accepted Answer

The consultation is flexible - however you prefer. We can meet online, at your home, at your workplace, or at a neutral location. You decide what works best for you.

Question 7

How exactly do you earn your money?

Accepted Answer

If you decide on a product after the consultation - such as insurance or an investment - I receive a commission from the provider. This commission is legally regulated and fully transparent for you. I'm only paid if you take action - but without any pressure to sell you something.

Question 8

Do I have to sign anything right away?

Accepted Answer

No. I'll explain everything clearly, and you'll have time to think about it. I'm not a salesperson under pressure - I'm a consultant who wants you to truly understand what you're doing and feel confident about your decisions.

Question 9

Can I start even with a small budget?

Accepted Answer

Absolutely! Building wealth works even with small amounts. The important thing is that you start at all. Together, we'll develop a plan that fits your budget and your life - without overwhelm, but with a clear perspective.

Question 10

How long will we work together?

Accepted Answer

As long as you want. Some clients seek advice once, others I accompany for many years. I'm here whenever something in your life changes - and we'll adjust your financial strategy together. My goal is for you to feel supported over the long term.

Question 11

What sets you apart from my bank or insurance company?

Accepted Answer

I'm independent and don't think in product categories but in solutions. While banks and insurers often only show their own products, I have access to the entire market. I explain the pros and cons in a way that's easy to understand - without jargon, but with experience and a clear stance.

Frequently Asked Questions

Do you have questions about insurance, investments, or mortgage financing?