Financial planning in Germany, in the language you actually think in.
Felipe Melo Reyes advises internationals in Hanover on investing, health insurance, pensions, taxes, and property — in English, Spanish, or Portuguese. Independent, local, with a background in institutional pension fund strategy and private equity risk management in Chile.
- ✓ First call is free, in your language
- ✓ Independent — compares 100+ insurers, 700+ banks
- ✓ Physically based in Hanover
From Santiago to Hanover — with 10+ years in institutional finance.
Felipe Melo Reyes grew up in Chile and worked inside the country's private pension fund system, one of the most sophisticated in Latin America. He designed strategy and did risk management for a Chilean pension fund community, then moved into private equity, and eventually emigrated to Germany.
That combination — deep institutional finance experience plus the personal experience of arriving in Germany as an expat — is what makes his advice for internationals in Hanover different from what a generic financial advisor can offer.
Internationals building a life in Hanover
Researchers & Academics
Postdocs at Leibniz Universität or the Medizinische Hochschule Hannover navigating the German pension system, PKV vs. GKV, and Riester decisions.
Tech & Engineering Professionals
Software engineers, ML researchers and product managers at Continental, VW Nutzfahrzeuge, TUI, or hidden-champion SMEs in the Hannover region.
Creatives & Freelancers
Sound designers at Sennheiser, journalists at NDR, freelance consultants. Building a sustainable financial base as a Freiberufler in Germany.
Six areas — done systematically, not sold aggressively
Investing in Germany
ETF-Sparplan, Aktien, Fonds. What is different in the German setup? How does Abgeltungssteuer, Freistellungsauftrag and Sparerpauschbetrag actually work? We build long-term portfolios that also respect your home-country tax situation.
Health Insurance: PKV vs. GKV
One of the most consequential decisions expats make in Germany — and the most misunderstood. When does private make sense, when does public? What happens if you leave Germany later? We walk you through the math, not the sales pitch.
Pension Planning
Public pension (gesetzliche Rente), private pension (Riester, Rürup), employer pension (bAV). Which combination makes sense for your income, your stay in Germany, and your plans afterwards?
Cross-Border Financial Planning
How to handle pension entitlements from your home country. How to invest in a way that works whether you stay 5 or 30 years in Germany. Coordination with international tax advisors.
Real Estate & Financing
Buying property in Hannover as an expat. What banks accept, what they need, what makes financing harder — and how we structure it around your situation.
Setting Up a German Financial Life
From Steuer-ID to the right bank account, insurance mix, tax advisor referrals. The practical stuff nobody explains — done systematically over a couple of sessions.
Four steps. No pressure.
Introduction call · 30 min
Free, no obligation. In English, Spanish, or Portuguese. We understand what your situation is, what you actually want, and whether Felipe is the right fit.
Structured analysis · 60–90 min
You share the paperwork you already have. We map your current situation across insurance, investments, pensions, taxes, and property.
Recommendations · written
You get a written summary of what we would change, in what order, and why. In English. You decide whether to implement any of it, with us or on your own.
Long-term partnership
Annual review. Life-event check-ins (job change, marriage, kids, home purchase, return to home country). We stay your point of contact.
What internationals ask most often
Do I need to speak German to work with you?
No. Felipe conducts consultations in English, Spanish, and Portuguese. All documents we produce for you (analysis, recommendations, summaries) are available in English. If you need any German-language paperwork translated or explained, that is part of the service.
How much does the consultation cost?
The introduction call and the first structured analysis are free. If you decide to implement something with us, we earn on the products we place — clearly disclosed, no hidden fees. Fee-based advice (Honorarberatung) is also available on request.
What if I leave Germany in a few years?
Then we build a portfolio that survives your departure. That means: avoiding German-only tax vehicles for the long-term investment part, using flexible international ETFs, keeping pension contributions modular, and setting up structures that can be paused, transferred, or continued from abroad.
Do you work with expats from any country?
Yes. Felipe has particular experience with Latin American expats given his background (Chile, Pension Fund Community, Private Equity, Risk Management), but the practical setup — investing, insurance, pensions, tax — is similar for expats from any country living in Germany.
Where is your office?
Hohenzollernstraße 25, 30161 Hannover — 5 min from Sedanstraße metro, 5 min from A2 Herrenhausen exit. Consultations can be in-person, phone, or video. Most first calls happen by video, then in-person if we work together long-term.
What makes you different from bundeswide expat advisors?
We are physically in Hannover. We know Hannover employers, hospitals, notaries, banks. We can be at your office in Continental or at your Notartermin in-person. Bundeswide advisors serve everyone digitally — we serve fewer people, but with real local presence.
Beratungsgespräch anfragen — wir melden uns bei dir.
Trag dich ein, dann kommen wir innerhalb der nächsten 24-72h auf dich zu — telefonisch oder per WhatsApp, ganz wie es dir lieber ist. Solltest du doch keine Hilfe mehr brauchen, schreib uns das einfach. Wir sind nicht nachtragend und haben selber eine Abneigung gegen penetrante Hotlines und Verkäufer.
Antwort innerhalb von 72 Stunden · Erstgespräch kostenfrei & unverbindlich · Termine in der Hohenzollernstraße, telefonisch oder per Video