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Florian Zekert Independent financial advisor
Together we make sure you always have enough money for your dreams
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Florian Zekert Investor coach
With us at your side you will make profitable decisions even in difficult times.
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Florian Zekert Financial Planner
How does your ideal future look like? Start creating your plan and take the best possible action now
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Honorarfinanz AG is known from

Institute for independent financial advice and investment in the Leipzig region.

Independent financial advice and investment – your local fee consultant in the region of Leipzig and Mallorca. Thanks to online consulting and the right network, however, there are no borders, we currently serve clients throughout Europe.

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


  • Control – you set up your financial plan and do not leave your financial future to chance.
  • Transparency – You finally understand your finances.
  • Asset protection – Count on maximum security for your assets.
  • Investor Interest – Focus on your interests as an investor.
  • Evidence – Take advantage of demonstrable, scientific capital market research.
  • Lowest Cost – Let us reduce your total cost of ownership and dramatically increase your bottom line.
  • Longevity – Indexed solutions last for generations.
  • Time Savings – With us as an independent professional on your side, you’ll save yourself a lot of time, stress and therefore money.

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.

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Florian in 40years ;-) "The Value of a Financial Advisor"

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New standards through fee-based consulting

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.

I am a partner of Honorarfinanz AG – the leading institute for independent fee-based investment advice in Germany. We are one of only 17 institutes in Germany that are officially allowed to offer independent investment advice.

Honorarfinanz AG’s fee-based advice is independent, commission-free and honest!
How does fee-based consulting work?
What is making us special?

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Service offer

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:

  • Independent investment advice
  • Retirement and pension planning
  • Financial planning
  • Second opinion for your contracts
  • Depot check

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

free strategic talk

The core topics for your financial success.

Scientific investment advice

Scientific investment advice

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.

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Investor coaching for more return

Investor coaching for more return

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.

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Financial Planning

Financial Planning

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.

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