Living in Germany?
Make your money work.
Taxes, pension, investing, insurance – explained in plain English. Independent advice across the entire German market.
Check if we can help you3 questions. 60 seconds.
What do you do for a living?
Choose the option that fits best.
How long have you lived in Germany?
This helps us give you more relevant advice.
What are you interested in?
Select all that apply.
Book your free first consultation.
Leave your details and we will call you personally to find a time that suits you.
Thank you, !
Your free first consultation is reserved. We will contact you personally within 24 hours.
Not tied to any bank or insurer.
We work independently and with providers across the entire German market. That means we compare – and recommend what actually fits you, not what one company wants to sell.
- Whole-market access – banks, insurers and investment providers all over Germany.
- Unbiased comparison – options side by side, explained in plain English.
- Your interests first – the plan is built around your goals.
Their products only.
Two young advisors. Zero jargon.
We are Mikel and Christian, the team behind Fructus Finance. We help expats understand how money works in Germany – independent, honest and at eye level. No complicated terms, no pressure, just a clear plan.
Good questions.
Is the first consultation really free?
Yes. The first consultation is 100% free and without any obligation.
Do I need to speak German?
No. We explain everything in plain English, so you understand exactly what you are doing.
I just moved to Germany. Is it too early?
Not at all – the beginning is the best time. Many important decisions (tax class, insurance, pension) are made in your first months.
Are you tied to a specific bank or insurer?
No. We are independent and work with providers across the entire German market, so we can compare and recommend what really fits you.
What happens after I send my details?
We review your answers and call you within 24 hours to schedule your consultation.