In this podcast I explain the three types of financial advisor in Germany — commission-based, wealth managers and fee-only — and how to find a truly independent financial advisor as an expat. I also show you where to check someone’s licence yourself, and which fee model to insist on.

► Book a free intro call about hourly fee-only financial advice: https://cal.com/huberelias/intro-call

▬ About me and this channel

I’m Elias Huber, a licensed financial advisor in Germany working strictly on an hourly fee (§ 34h GewO — a licence that legally prohibits taking commissions). On the podcast and YouTube channel “Buy and Hold” I cover investing and financial markets. 99 % of the content is in German; this podcast episode is in English.

▬ More

@ Contact: elias[at]huber-honorarberatung.de 🖥️ https://huber-honorarberatung.de/ 🎙️ Podcast: https://buyandhold.podbean.com/

▬ An important noice

► The content of this podcast adoes not constitute individual investment advice, tax advice, or a recommendation to buy or sell any financial product. It is general information only and reflects personal opinions and assessments. The figures, historical data and study results shown were researched to the best of my knowledge, but may contain errors, become outdated, or change in future. Investing in securities carries risk, including the possible total loss of your capital. Any decision taken on the basis of this content is taken at your own risk. No liability is accepted for the accuracy or completeness of the content, or for future developments. Please consult a licensed fee-only advisor or a tax advisor before making investment decisions.

Bei einer Zinstreppe legen Anleger Gelder in Festgelder mit verschiedenen Laufzeiten an. Wann ist das sinnvoll – und was sind die Alternativen?

► Vermögen aufbauen – Info-Gespräch zur Honorarberatung vereinbaren: https://huber-honorarberatung.de/erstgespraech/?utm_source=podcast

▬ Über mich und diesen Podcast

Ich bin Elias Huber und arbeite als Finanzberater rein auf Stundenbasis (mit einer §34h-Zulassung als Honorar-Finanzanlagenberater). In dem Podcast und YouTube-Kanal „Buy and Hold“ dreht sich alles um Geldanlage und Finanzmärkte.

▬ Weitere Infos

📭 Newsletter: www.huber-honorarberatung.de/newsletter @ Kontakt: elias[at]huber-honorarberatung.de 🖥️ www.huber-honorarberatung.de ▶️ https://www.youtube.com/@buy-and-hold/videos

▬ Ein wichtiger Hinweis

► Die Inhalte dieser Podcast-Folge und dieses Kanals stellen keine individuelle Anlageberatung, Steuerberatung oder Empfehlung zum Kauf oder Verkauf von Finanzprodukten dar. Sie dienen ausschließlich der allgemeinen Information und spiegeln persönliche Meinungen und Einschätzungen wider. Die dargestellten Zahlen, historischen Daten und Studienergebnisse wurden nach bestem Wissen recherchiert, können aber Fehler enthalten, veraltet sein oder sich zukünftig ändern. Investitionen in Wertpapiere sind mit Risiken verbunden – einschließlich möglicher Totalverluste. Entscheidungen, die auf Basis der Inhalte getroffen werden, erfolgen auf eigenes Risiko. Es wird keine Haftung für die Richtigkeit, Vollständigkeit oder zukünftige Entwicklung der dargestellten Inhalte übernommen. Bitte ziehe bei Bedarf einen zugelassenen Honorar- oder Steuerberater hinzu, bevor du Anlageentscheidungen triffst.

In this podcast I go through the main investments you will be offered as an expat or foreigner in Germany — property, insurance plans, crypto, mutual funds and ETFs — and explain which ones actually make sense. I also cover how to open a brokerage account as a foreigner and what to look out for when choosing a financial advisor.

► Book a free intro call about hourly fee-only financial advice: https://cal.com/huberelias/intro-call

▬ About me and this channel

I’m Elias Huber, a licensed financial advisor in Germany working strictly on an hourly fee (§ 34h GewO — a licence that legally prohibits taking commissions). On the podcast and YouTube channel “Buy and Hold” I cover investing and financial markets. 99 % of the content is in German; this video is in English.

▬ More

@ Contact: elias[at]huber-honorarberatung.de 🖥️ https://huber-honorarberatung.de/ 🎙️ Podcast: https://buyandhold.podbean.com/

▬ An important noice

► The content of this video and this channel does not constitute individual investment advice, tax advice, or a recommendation to buy or sell any financial product. It is general information only and reflects personal opinions and assessments. The figures, historical data and study results shown were researched to the best of my knowledge, but may contain errors, become outdated, or change in future. Investing in securities carries risk, including the possible total loss of your capital. Any decision taken on the basis of this content is taken at your own risk. No liability is accepted for the accuracy or completeness of the content, or for future developments. Please consult a licensed fee-only advisor or a tax advisor before making investment decisions.