Because: you want to invest your money and (this time) do everything right!
Fair Advice – Educate – Win
My name is Florian Zekert and I stand for true independent financial advice. When choosing my accreditation, I opted for this elitist form and am thus at your service as a state-approved fee-based investment advisor. With Honorarfinanz AG as a partner, I guarantee you a service at the highest level and you are thus in good hands for the long term with one of the market leaders for fee-based consulting in Germany.
Florian in 40 years ;-) "The Value of a Financial Advisor"
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.
And above all: Thanks to online consulting and the right network, there are no borders. We currently serve clients all over Europe.
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.
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.
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.
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.
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.
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
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
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
Der Beitrag Was ist ein ETF und wie funktioniert er? erschien zuerst auf Honorarfinanz AG.
Der Beitrag Short-ETFs einfach erklärt: So funktionieren sie erschien zuerst auf Honorarfinanz AG.
Der Beitrag Swap-ETFs: Wie funktionieren sie und wie risikoreich sind diese Indexfonds? erschien zuerst auf Honorarfinanz AG.