Pension
Will my pension be enough?
AORAES
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Financial advice in Germany in English, Spanish and German
You earn, save and plan.
Does it all fit together?
We connect protection, retirement, investing and life goals in a financial strategy you can understand and review.
Free to startNo documents requiredEN / DE / ES
Institutional context
A trusted financial ecosystem
Established German institutions, considered within a transparent financial-planning process.
Transparency and registrations
You have financial products.
Do they form a strategy?
Before choosing another product, see the whole picture and spot what needs attention.
Protection
What happens if your income stops?
Investing
Does your investment follow your plans?
International life
What changes if you leave Germany one day?
First the whole picture. Then the decisions.
Financial CheckYour financial situation.
Your financial situation.
In one clear view.
A first reading of your stability, protection, retirement, savings, investing and goals.
Start my Financial CheckFree to start Only a few minutesYour financial overview
74 / 100Financial Health
Illustrative exampleNext priorities01 Protect income02 Understand retirement03 Structure investments
Start by yourself
- Financial Check
- Free to start
- No documents required
- A few minutes
Prefer to talk?
- Personal consultation
- 30–45 min · Online
- EN / DE / ES
- No obligation
Human advisoryTechnology shows you the picture.
Technology shows you the picture.
People help you make the decisions.
AORAES combines digital tools with personal guidance, so your financial choices remain connected to your plans, family and international life.
Carlos CarreñoFinancial advisor / FounderLanguagesEN · DE · ESExperience15 years in the German market
International life
Your strategy should adapt to your life.
Germany today, another country tomorrow: your strategy should keep up with your changes.
Germany
Build a strong foundation in Germany.
Career, family and property
Connect your new priorities without starting from scratch.
International flexibility
Understand what changes when you move or your plans change.