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

What is an independent financial advisor actually?

The only thing is that the term “independent financial advisor” is not clearly defined in Germany.
Therefore, it is worthwhile for you to take a closer look in advance at who you are entrusting with these important tasks.

It is often not easy for even people from the financial sector to find their way through the various licenses among financial advisors in Germany. Most terms are not protected, and therefore many financial service providers like to call themselves “independent financial advisor”, “independent investment advisor”, “financial coach” and much more. But through Honorarfinanz AG you get real licensed independent financial advice.

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Everything we do is focused on your needs. To empower you 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 desired, with the help of individual investor coaching, you will have a guaranteed positive investment experience!
The key to financial consulting without conflict of interest is fee-based consulting Leipzig.

Get to know us

 

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Honorarfinanz AG stands for independent financial advice = fee-based consulting in Leipzig and Mallorca.

And above all: Thanks to online consulting and the right network, there are no borders. We currently serve clients all over Europe.

YOUR ADVANTAGES:

• Control – You set up your financial plan and don’t 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 overall costs and dramatically increase your bottom line.
• Longevity – Indexed solutions last for generations.
• Time savings – With us as an independent professional on your side, you save yourself a lot of time, stress and therefore money.

Overview of the services

New standards through independent financial advice/honorarium 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, nowadays in Germany, the financial advisory system of banks and other financial intermediaries usually 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 in the event of a successful conclusion. 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.

Make yourselves a picture over the advisor types. Promoted and recommended by the Federal Ministry for Consumer Protection is the website Wegweiser Finanzberatung.

Why pay for independent financial advice at all?

Most financial service providers offer “free advice” – as a service, so to speak. In doing so, they are happy to recommend products with which they can collect handsome fees and the highest possible, sometimes hidden, commissions. By signing the contract, the customer pays significantly more money over the entire term than he or she initially realizes.

In many countries such as the USA, Great Britain and the Scandinavian countries, fee-based advice has long been the norm. The sale of commission-based investment and pension products, on the other hand, is actually prohibited there. Financial experts there give independent advice, for example, on private retirement planning, and then recommend a financial product that is suitable for you as a consumer. The advisor is paid directly by the client on an hourly rate basis or via flat rates.

In Germany, this form of consulting is still rare, to the detriment of clients. Because advisors at financial service providers such as banks, insurance companies and brokers in this country only get paid for brokering products. The advice is apparently free of charge. But if you look closely, you will discover a high degree of non-transparency when it comes to costs. Investors almost always miss their savings targets because the brokered products are unsuitable or too expensive.

Separation of consulting and product sales

Needs-oriented and guaranteed independent financial advice in the interest of the consumer can only be provided if the components of advice and product sales are separated. This separation enables a new dimension of consulting quality for the individual consumer, but also for the (fee-based) consultant. Therefore, find out more about the business model of your personal financial advisor.