What does financial advice cost in Germany, and how does Finance for Expats stay “free”?

Short answer: Financial advice cost in Germany depends on the provider’s model, yet at Finance for Expats we deliver most consultations at no direct charge because product partners pay our fee, not you.

Financial advice cost in Germany can follow two paths: fee-based planners invoice you directly, while commission-based brokers earn from banks, insurers or investment houses once you accept a product. At Finance for Expats we choose the second route but stay independent. We work with multiple lenders and insurers, so our guidance remains unbiased. For everyday needs—opening an English-friendly bank account, choosing health insurance, or structuring a mortgage—our consultation is free; the selected provider compensates us after the contract is issued. When a task falls outside that framework, such as a stand-alone tax return or drafting a German rental agreement, we send you a written, transparent quote first—no surprise invoices.

Because our advisors explain every compensation source in plain English, you always know whether a service is provider-funded or client-funded. That clarity lets you make apples-to-apples comparisons and keeps compliance with German FinVermV (Financial Mediation Ordinance) regulations. Ready to see how free guidance still delivers value? Book a free call and get a cost breakdown tailored to your situation.

Key take-aways:

• Most Finance for Expats consultations are free—providers cover the fee.
• Any paid service (e.g. tax filing) comes with an upfront, fixed quote.
• Multiple provider partnerships keep our recommendations unbiased.