Financial planning for expats and international professionals
Financial clarity for an international life.
AORAES is a financial-planning service led by Carlos Carreño, financial adviser and founder with 15 years of experience in the German market. When a need falls within another professional field, the relevant involvement is explained and coordinated.
“You know who is reviewing your situation, what they can help you resolve and where their professional remit ends.”
Why we exist
We do more than translate the language. We make the system understandable.
Terms such as Altersvorsorge, Berufsunfähigkeit and Rentenlücke can be difficult even for German speakers. AORAES turns that complexity into an ordered process: understand, analyse, structure and implement.
Financial education is part of our advice. We want every person to understand the system better after a conversation and take an active role in their decisions.
Human advisoryTechnology shows you the picture.
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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
Clarity
We explain the reason for every step and the limits of each estimate.
Strategy
We connect protection, retirement, investment, taxation and housing.
Education
We do not want you to sign anything you do not understand.
Continuity
The plan evolves with your work, family, country and goals.
Transparency
What you can expect from AORAES
- An initial conversation to understand your needs and see whether we can help.
- Explanations in English and the applicable contractual documentation where relevant.
- A clear distinction between educational tools and personal recommendations.
- Which entities and products may be considered depends on the registered intermediation scope and your situation; we do not work from an open-market catalogue.
- No promises of returns and no solution presented as suitable for everyone.
- Coordination with tax professionals when a question falls outside the scope of financial planning.
Before you start
Questions worth answering from the start.
Transparency also means knowing what to expect from the conversation, the tools and the process.
Legal information →01Is the first conversation really free?
Yes. It helps us understand your question, order your priorities and determine whether AORAES can help. It does not oblige you to purchase anything.
02Do I need to be a client or register to use the tools?
No necesitas registrarte para probar una lectura breve. Mi espacio reúne las herramientas completas, guarda tus resultados y permite retomarlos con un solo plan.
03Which documents do I need to prepare?
None for the initial conversation. If you later want to go deeper, the advisor will request only the information needed for your case.
04Is advice available in English?
Explanation and support are available in English. Applicable contractual and legal documents may be provided in German.
05Who reviews my request?
Your request reaches AORAES. Before the conversation, we will confirm who will review your case and be your contact person.
06How is AORAES remunerated?
The initial conversation is free. When a product is arranged, the advisor may receive a commission from the provider. The applicable remuneration is explained before any purchase.
Find out what you should review first.
Get an initial picture of your situation and turn scattered questions into clear priorities.
Free to startNo documents requiredOnly a few minutes
Start financial analysis →