Financial organisation
We build a foundation from your income, expenses, debt and reserves.
- Monthly budget
- Emergency fund
- Priorities and goals
AORAES services
You do not need more products. You need a strategy.
Protection, investment, retirement, taxation and housing interact. We analyse them as parts of one system and connect them to the life you want to build.
Personal and family protection
We review risks that could affect your income, family or wealth.
- Personal liability
- Ability to earn income
- Family protection
Saving and investment
We give direction to the money you set aside according to your goal, time horizon and risk tolerance.
- Measurable goals
- Time horizon
- Contribution strategy
Pension
We estimate the potential gap between your retirement income and the lifestyle you want to maintain.
- Review of your Renteninformation
- Illustrative scenarios
- Contributions and follow-up
Housing and financing
We prepare the numbers and key questions before a property decision.
- Buying capacity
- Additional costs
- Financing scenarios
Integrated tax-aware planning
We consider how each decision is structured and taxed within the overall strategy.
- Applicable incentives
- Contribution structure
- Coordination when a Steuerberater is required
How we work together
From a specific question to a decision you understand.
Every stage has a purpose. You know what information we need, what you will receive and when the decision is yours.
Tell us what you want to solve
You send a short request. The team reviews your case and contacts you to arrange a time for the conversation.
Outcome: an appointment and one priority topic.First conversation
We learn about your context, goals and what you have already done. You do not need to prepare documents to get started.
Outcome: an initial view of your priorities.Analysis with context
If you decide to continue, we collect only the information needed and review how your decisions connect.
Outcome: a more complete picture of your situation.A strategy you understand
We compare alternatives, limits, costs and consequences so you can assess the path on an informed basis.
Outcome: clearly explained, ordered next steps.You decide how to proceed
Only then do you decide whether to implement a solution. If you do, we support the documentation and follow-up.
Outcome: informed decisions, with no obligation to purchase.What advice gives you
You leave with more than information. You leave with a plan.
The exact scope depends on your situation, but the goal is always that you understand what you are deciding and what comes next.
Clear priorities
What needs attention now, what can wait and why.
A connected financial picture
Income, protection, savings, retirement and plans within the same context.
Understandable alternatives
Scenarios, costs, limits and consequences explained before you decide.
A path for follow-up
Next steps and reviews when your work, family or goals change.
Our approach
Before recommending, we need to understand.
A solution only makes sense once we understand your situation, goals, available time, international mobility and the risks you can accept.
We consider relevant tax effects within financial planning. When a matter requires independent tax advice, a Steuerberater must be involved.
Find out what you should review first.
Tell us what concerns you. In the first conversation we prioritise the key question and define a clear next step.
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