Would you like to invest your money and get it right this time? So that you no longer have to regret any investment decision, we work 100% independently and commission-free. As state-approved fee-based investment advisors, we work in your interest and at the highest level.
Even if you come from abroad, but you’re living in Europe, we find the tailor made solutions for the best possible investment experience.
Your needs are at the forefront of everything we do. We want you to be empowered to make the right financial decisions to achieve your financial goals much faster and with less stress. With transparency and effective solutions, you will build wealth faster and more securely and, if you wish, with the help of individual investor coaching, you will have a guaranteed positive investment experience! The key to advice without conflict of interest is fee-based advice
Fee-based advisors do not receive any commission from providers!
Good for you – We focus exclusively on your interests. You get a transparent overview of all costs, the advantages and disadvantages, and so you can make informed decisions thanks to our advice.
And for my clients, this means you receive independent investment advice and invest more successfully and relaxed in the long term than 90% of investors in Germany.read more
Florian in 40years ;-) "The Value of a Financial Advisor"
Imagine that your tax advisor is not remunerated by you, but receives a commission from the tax office depending on the amount of your tax liability. How would you feel as a client?
In fact, the financial advisory system of banks and other financial intermediaries in Germany today works the same way on a commission basis.
Financial products are usually sold by bank advisors, insurance agents, brokers or structural distributors. The incentive for the advisor is various forms of commission, which are paid by the product providers upon successful completion of the deal. This creates false incentives and conflicts of interest, which is why consumer protectors have been calling for years for the establishment of fee-based consulting as a real alternative.
Honorarfinanz AG’s fee-based advice is independent, commission-free and honest!
How does fee-based consulting work?
What is making us special?
You receive the guarantee that your fee consultant works for you without any conflict of interest. By law, fees are paid exclusively by our clients.
Our range of services:
Here you can find an
overview about our services
Exchange Traded Fund (=ETF) and index funds
Hardly any other investment vehicle has been able to record such high inflows of funds in recent years as the so-called ETFs. Their extreme cost efficiency and broad diversification into profitable asset classes are appreciated by institutional and private investors alike. But which ETFs do I actually use if I want to build a professional and, above all, profitable long-term investment portfolio? Or do I prefer to use index class funds? But beware: ETFs are only tools and if used incorrectly, it is difficult to achieve your goals with them.
In the field of ETF consulting, we are specialized like hardly any other consulting institute in Germany. No wonder: since advisors do not earn a single cent of commission on ETFs, commission-free fee-based consulting such as we offer is a prerequisite for the consistent and professional use of these tools.
Are you looking for an expert in index-oriented investments? Then feel free to contact us. You can commission us to prepare an investment concept. Afterwards, you decide whether you want to implement it on your own or together with us. This offer is unique.
Check now your advantage and a possible cooperation with us in a
Decades of capital market research provide you with an individual, highly efficient and cost-effective investment concept. Your risk tolerance is precisely determined and you benefit from solutions that were previously only available to large investors.
Our task is to help you as an investor to follow the rules of investing and not to make mistakes during the investment horizon. Only in this way you will reach your financial goals and achieve the real returns of the capital markets.
This is your navigator and dashboard for your financial life journey! In a comprehensive dynamic view, all financial aspects of your situation and goals are included. This allows complex decisions to be made in a well-founded manner. You receive true product-independent advice and gain lasting full control.
Einbrüche des Aktienmarkts absichern. Wer Anleihen-ETFs für sein Portfolio auswählt, macht das vor allem zu Sicherungszwecken und nicht aufgrund einer attraktiven Rendite. Im Vordergrund steht bei ETFs auf Anleihen die sinnvolle Diversifikation des Vermögens.
Anleger suchen gerne nach Signalen, die ihnen den richtigen Zeitpunkt zum Kaufen oder Verkaufen anzeigen. Als gängige Indikatoren für Veränderungen in den erwarteten Aktienrenditen gelten Bewertungsindikatoren wie das zyklisch bereinigte Kurs-Gewinn-Verhältnis, auch als Shiller-KGV bekannt (Englisch: CAPE)1, das im Jahr 1998 von Campbell und Shiller entwickelt wurde. Doch trotz ihrer anhaltenden Beliebtheit finden wir keine 
In Zeiten von Niedrigzinsen und unsicheren Finanzmärkten wünschen sich Anleger Investitionsmöglichkeiten, die Sicherheit und eine starke Rendite miteinander kombinieren. Wer sich auf die Suche nach solchen Anlageprodukten macht, wird schnell bemerken, dass die Auswahl gering ist – denn Sicherheit und Rendite verstehen sich in der Finanzwelt üblicherweise eher gegenteilig. Es gibt aber einen Mittelweg: Exchange 
Florian explains in a competent and friendly way how you can best provide for your old age and which investments are well suited for this according to your own risk profile. Absolutely recommendable!Marco B., Tax advisor, Leipzig
Florian Zekert's advice is highly competent in the matter and very trustworthy. At the same time, he never loses sight of what is especially important to me as an investor. Not for a moment during the detailed consultation process did I hesitate to entrust him with my assets.Kornelius U., Entrepreneur, Leipzig
Mr. Zekert provided us with comprehensive advice, above all it was understandable for us laymen, which was not always easy. We have built up a very good relationship of trust with Mr. Zekert and feel completely secure in our decisions. We would like to thank him for this. Keep it up! We will recommend him to our friends and acquaintances.Johannes H., Master roofer, Grimma